BANCO DO BRASIL/S (OTCMKTS:BDORY – Get Rating) and Southern First Bancshares (NASDAQ:SFST – Get Rating) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, earnings, valuation, profitability, analyst recommendations and risk.
Risk and Volatility
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, Southern First Bancshares has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500.
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Earnings and Valuation
This table compares BANCO DO BRASIL/S and Southern First Bancshares' top-line revenue, earnings per share and valuation.
| 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 |
| Southern First Bancshares | $110.27 million | 3.11 | $46.71 million | $5.12 | 8.38 |
BANCO DO BRASIL/S has higher revenue and earnings than Southern First Bancshares. BANCO DO BRASIL/S is trading at a lower price-to-earnings ratio than Southern First Bancshares, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares BANCO DO BRASIL/S and Southern First Bancshares' net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
| BANCO DO BRASIL/S | 13.00% | 16.44% | 1.23% |
| Southern First Bancshares | 36.78% | 14.93% | 1.37% |
Insider & Institutional Ownership
79.4% of Southern First Bancshares shares are owned by institutional investors. 7.3% of Southern First Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for BANCO DO BRASIL/S and Southern First Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
| BANCO DO BRASIL/S | 0 | 0 | 1 | 0 | 3.00 |
| Southern First Bancshares | 0 | 0 | 1 | 0 | 3.00 |
Southern First Bancshares has a consensus target price of $50.00, suggesting a potential upside of 16.55%. Given Southern First Bancshares' higher possible upside, analysts plainly believe Southern First Bancshares is more favorable than BANCO DO BRASIL/S.
Summary
Southern First Bancshares beats BANCO DO BRASIL/S on 9 of the 12 factors compared between the two stocks.
About BANCO DO BRASIL/S
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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.
About Southern First Bancshares
(Get Rating)
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
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