Banco Comercial Portugues (OTCMKTS:BPCGY – Get Rating) and VersaBank (NASDAQ:VBNK – Get Rating) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, valuation, institutional ownership, earnings, profitability, risk and analyst recommendations.
Analyst Ratings
This is a breakdown of current ratings for Banco Comercial Portugues and VersaBank, as reported by MarketBeat.
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Banco Comercial Portugues alerts:
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
| Banco Comercial Portugues | 0 | 0 | 1 | 0 | 3.00 |
| VersaBank | 0 | 0 | 2 | 0 | 3.00 |
VersaBank has a consensus price target of $9.00, suggesting a potential upside of 17.34%. Given VersaBank's higher possible upside, analysts clearly believe VersaBank is more favorable than Banco Comercial Portugues.
Insider & Institutional Ownership
30.2% of VersaBank shares are held by institutional investors. 5.3% of VersaBank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Profitability
This table compares Banco Comercial Portugues and VersaBank's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
| Banco Comercial Portugues | N/A | N/A | N/A |
| VersaBank | 17.14% | 6.54% | 0.79% |
Dividends
Banco Comercial Portugues pays an annual dividend of $0.01 per share and has a dividend yield of 0.5%. VersaBank pays an annual dividend of $0.07 per share and has a dividend yield of 0.9%. VersaBank pays out 11.5% of its earnings in the form of a dividend.
Earnings & Valuation
This table compares Banco Comercial Portugues and VersaBank's top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
| Banco Comercial Portugues | N/A | N/A | N/A | N/A | N/A |
| VersaBank | $102.93 million | 2.03 | $17.60 million | $0.61 | 12.57 |
VersaBank has higher revenue and earnings than Banco Comercial Portugues.
Summary
VersaBank beats Banco Comercial Portugues on 9 of the 10 factors compared between the two stocks.
About Banco Comercial Portugues
(Get Rating)
Banco Comercial Portugues SA provides banking activities and financial services. Its operating segment consists of Retail Banking segment activity includes the Retail activity of Banco Comercial Portuguas in Portugal, operating as a distribution channel for products and services from other companies of the Group and the Foreign business segment. Corporate & Investment Banking segment includes corporate network in Portugal, specialized monitoring division, investment banking unit and activity of the Bank's international division. Private Banking and Asset Management segment comprises the private banking network in Portugal and subsidiary companies which are specialized in the asset management business. Non-core Business Portfolio segment includes the business granted for securities-backed landing, loans collateralized with other assets, subsidized mortgage loans, construction subcontractors. Foreign Business segment comprises the operations outside Portugal, in particular Poland, Mozambique, Angola, Cayman Isl
About VersaBank
(Get Rating)
VersaBank provides various banking products and services in Canada and the United States. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, daily interest savings accounts, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; and commercial banking services comprising commercial real estate, public sector/infrastructure financing, condominium financing, and residential mortgages. In addition, it offers cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.
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