Sberbank of Russia (OTCMKTS:SBRCY) and CrossFirst Bankshares (NASDAQ:CFB) Critical Comparison

CrossFirst Bankshares (NASDAQ:CFB) and Sberbank of Russia (OTCMKTS:SBRCY) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, valuation, risk, earnings and profitability.

Valuation and Earnings

This table compares CrossFirst Bankshares and Sberbank of Russia”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CrossFirst Bankshares	$261.78 million	3.01	$78.55 million	$1.56	10.25
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A

Sberbank of Russia has higher revenue and earnings than CrossFirst Bankshares.

Analyst Ratings

This is a summary of current ratings and recommmendations for CrossFirst Bankshares and Sberbank of Russia, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CrossFirst Bankshares	0	0	3	0	3.00
Sberbank of Russia	0	0	0	0	0.00

CrossFirst Bankshares presently has a consensus target price of $19.33, indicating a potential upside of 20.91%. Given CrossFirst Bankshares’ stronger consensus rating and higher possible upside, equities research analysts clearly believe CrossFirst Bankshares is more favorable than Sberbank of Russia.

Profitability

This table compares CrossFirst Bankshares and Sberbank of Russia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CrossFirst Bankshares	15.18%	11.06%	1.08%
Sberbank of Russia	40.80%	21.45%	2.97%

Risk & Volatility

CrossFirst Bankshares has a beta of 1.07, meaning that its share price is 7% more volatile than the S&P 500. Comparatively, Sberbank of Russia has a beta of 1.56, meaning that its share price is 56% more volatile than the S&P 500.

Institutional & Insider Ownership

56.3% of CrossFirst Bankshares shares are owned by institutional investors. Comparatively, 0.1% of Sberbank of Russia shares are owned by institutional investors. 9.3% of CrossFirst Bankshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

About CrossFirst Bankshares

CrossFirst Bankshares, Inc. operates as the bank holding company for CrossFirst Bank that provides various banking and financial services to businesses, business owners, professionals, and its personal networks. The company offers commercial and industrial loans, including enterprise value lending; commercial real estate loans; construction and development loans, such as home builder lending; residential real estate, multifamily real estate, energy, SBA, and consumer loans; and credit cards. It also provides deposit banking products, including personal and business checking and savings accounts; treasury management services; money market accounts; certificates of deposits; negotiable order of withdrawal accounts; automated teller machine access; and mobile banking and international banking services, as well as non-interest-bearing demand deposits and interest-bearing deposits, including transaction accounts. In addition, the company acquires brokered deposits, internet subscription certificates of deposit, and reciprocal deposits. Further, it holds investments in marketable securities. The company serves its clients though branch network, as well as digital banking products. It has full-service banking offices in Kansas, Missouri, Oklahoma, Texas, Arizona, Colorado, and New Mexico. CrossFirst Bankshares, Inc. was founded in 2007 and is headquartered in Leawood, Kansas.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.