Head-To-Head Analysis: First Merchants (NASDAQ:FRME) Versus BANCO DO BRASIL/S (OTCMKTS:BDORY)
Head-To-Head Analysis: First Merchants (NASDAQ:FRME) Versus BANCO DO BRASIL/S (OTCMKTS:BDORY)
BANCO DO BRASIL/S (OTCMKTS:BDORY – Get Rating) and First Merchants (NASDAQ:FRME – Get Rating) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, valuation, risk, profitability, analyst recommendations, earnings and institutional ownership.
Banco do Brasil/S(OTCMKTS：BDORY-GET Rating)和First Merchants(納斯達克：FRME-GET Rating)都是金融公司，但哪一項業務更優越？我們將根據這兩家公司的股息、估值、風險、盈利能力、分析師建議、收益和機構持股情況對它們進行比較。
Insider and Institutional Ownership
內部人與機構持股
72.4% of First Merchants shares are owned by institutional investors. 1.2% of First Merchants shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
First Merchants 72.4%的股份由機構投資者持有。First Merchants 1.2%的股份由公司內部人士持有。強大的機構持股表明，對衝基金、大型基金管理公司和捐贈基金相信，一隻股票的長期表現將好於大盤。
Profitability
盈利能力
This table compares BANCO DO BRASIL/S and First Merchants' net margins, return on equity and return on assets.
此表比較了Banco do Brasil/S和First Merchants的淨利潤率、股本回報率和資產回報率。
| Net Margins | Return on Equity | Return on Assets | |
| BANCO DO BRASIL/S | 13.00% | 16.44% | 1.23% |
| First Merchants | 32.28% | 11.04% | 1.31% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 巴西銀行/S | 13.00% | 16.44% | 1.23% |
| 第一商家 | 32.28% | 11.04% | 1.31% |
Analyst Ratings
分析師評級
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BANCO DO BRASIL/S | 0 | 0 | 1 | 0 | 3.00 |
| First Merchants | 0 | 0 | 2 | 1 | 3.33 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 巴西銀行/S | 0 | 0 | 1 | 0 | 3.00 |
| 第一商家 | 0 | 0 | 2 | 1 | 3.33 |
First Merchants has a consensus price target of $47.75, indicating a potential upside of 20.31%. Given First Merchants' stronger consensus rating and higher possible upside, analysts plainly believe First Merchants is more favorable than BANCO DO BRASIL/S.
First Merchants的一致目標價為47.75美元，表明潛在漲幅為20.31%。考慮到First Merchants更強的共識評級和更高的可能上行空間，分析師們顯然認為First Merchants比Banco do Brasil/S更有利。
Dividends
分紅
BANCO DO BRASIL/S pays an annual dividend of $0.16 per share and has a dividend yield of 2.0%. First Merchants pays an annual dividend of $1.28 per share and has a dividend yield of 3.2%. BANCO DO BRASIL/S pays out 9.9% of its earnings in the form of a dividend. First Merchants pays out 37.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Merchants has increased its dividend for 12 consecutive years. First Merchants is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Banco do Brasil/S的年度股息為每股0.16美元，股息率為2.0%。First Merchants的年度股息為每股1.28美元，股息率為3.2%。Banco do Brasil/S以股息的形式支付收益的9.9%。First Merchants以股息形式支付其收益的37.5%。這兩家公司的派息率都很健康，應該能夠在未來幾年用收益來支付股息。First Merchants連續12年增加股息。考慮到其更高的收益率和更長的股息增長記錄，First Merchants顯然是更好的股息股票。
Risk and Volatility
風險和波動性
BANCO DO BRASIL/S has a beta of 0.71, suggesting that its stock price is 29% less volatile than the S&P 500. Comparatively, First Merchants has a beta of 1.13, suggesting that its stock price is 13% more volatile than the S&P 500.
Banco do Brasil/S的貝塔係數為0.71，表明其股價的波動性比標準普爾500指數低29%。相比之下，First Merchants的貝塔係數為1.13，這表明其股價的波動性比標準普爾500指數高13%。
Earnings and Valuation
收益和估值
This table compares BANCO DO BRASIL/S and First Merchants' revenue, earnings per share and valuation.
此表比較了Banco do Brasil/S和First Merchants的收入、每股收益和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BANCO DO BRASIL/S | $24.14 billion | 0.96 | $3.65 billion | $1.61 | 5.04 |
| First Merchants | $555.96 million | 4.25 | $205.53 million | $3.41 | 11.64 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 巴西銀行/S | 241.4億美元 | 0.96 | 36.5億美元 | $1.61 | 5.04 |
| 第一商家 | 5.5596億美元 | 4.25 | 2.0553億美元 | $3.41 | 11.64 |
BANCO DO BRASIL/S has higher revenue and earnings than First Merchants. BANCO DO BRASIL/S is trading at a lower price-to-earnings ratio than First Merchants, indicating that it is currently the more affordable of the two stocks.
Banco do Brasil/S的收入和收益高於First Merchants。Banco do Brasil/S的市盈率低於First Merchants，表明它目前是兩隻股票中更負擔得起的一隻。
Summary
摘要
First Merchants beats BANCO DO BRASIL/S on 14 of the 18 factors compared between the two stocks.
First Merchants在兩隻股票比較的18個因素中有14個超過了Banco do Brasil/S。
About BANCO DO BRASIL/S
關於巴西銀行/S
(Get Rating)
(獲取評級)
Banco do Brasil S.A. provides banking products and services for individuals, companies, and public sectors in Brazil and internationally. The company's Banking segment offers various products and services, including deposits, loans, and services to retail, wholesale, and public sector markets, as well as to micro-entrepreneurs and the low income population. Its Investments segment engages in the intermediation and distribution of debts in the primary and secondary markets; equity investment activities; and rendering of financial services. The company's Fund Management segment is involved in the purchase, sale, and custody of securities, as well as the management of portfolios, and investment funds and clubs. Its Insurance, Pension and Capitalization segment provides life, property, and automobile insurance products, as well as private pension and capitalization plans. The company's Payment Methods segment is involved in the funding, transmission, processing, and settlement of transactions through electronic means. Its Other segment engages in the provision of credit recovery and consortium administration services; development, manufacturing, leasing, and integration of digital electronic systems and equipment, peripherals, programs, inputs, and computing supplies; intermediation of air tickets; and lodging and organization of events. Banco do Brasil S.A. was founded in 1808 and is headquartered in Brasalia, Brazil.
Banco do Brasil S.A.為巴西和國際的個人、公司和公共部門提供銀行產品和服務。該公司的銀行部門向零售、批發和公共部門市場以及微型企業家和低收入人羣提供各種產品和服務，包括存款、貸款和服務。其投資部門從事一級和二級市場債務的中介和分配；股權投資活動；以及提供金融服務。該公司的基金管理部門涉及證券的購買、銷售和託管，以及投資組合、投資基金和俱樂部的管理。其保險、養老金和資本化部門提供人壽保險、財產和汽車保險產品，以及私人養老金和資本化計劃。該公司的支付方法部門涉及通過電子手段進行交易的資金、傳輸、處理和結算。它的其他部門從事提供信貸回收和財團管理服務；開發、製造、租賃和整合數字電子系統和設備、外圍設備、程序、投入和計算用品；機票中介；以及活動的住宿和組織。巴西銀行成立於1808年，總部設在巴西布拉薩利亞。
About First Merchants
關於第一商家
(Get Rating)
(獲取評級)
First Merchants Corporation operates as the financial holding company for First Merchants Bank that provides community banking services. It accepts time, savings, and demand deposits; and provides consumer, commercial, agri-business, and real estate mortgage loans, as well as public finance. The company also offers personal and corporate trust; brokerage and private wealth management; and letters of credit, repurchase agreements, and other corporate services. It operates 109 banking locations in Indiana, Illinois, Ohio, and Michigan counties. The company also offers its services through electronic and mobile delivery channels. First Merchants Corporation was founded in 1893 and is headquartered in Muncie, Indiana.
First Merchants Corporation是First Merchants Bank的金融控股公司，提供社區銀行服務。它接受定期、儲蓄和活期存款，並提供消費者、商業、農業企業和房地產抵押貸款，以及公共財政。該公司還提供個人和公司信託；經紀和私人財富管理；以及信用證、回購協議和其他公司服務。它在印第安納州、伊利諾伊州、俄亥俄州和密歇根縣經營着109個銀行網點。該公司還通過電子和移動交付渠道提供服務。First Merchants Corporation成立於1893年，總部設在印第安納州芒西市。
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