South Plains Financial (NASDAQ:SPFI) and Sberbank of Russia (OTCMKTS:SBRCY) Financial Contrast

Sberbank of Russia (OTCMKTS:SBRCY) and South Plains Financial (NASDAQ:SPFI) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, profitability, valuation and earnings.

Dividends

Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. South Plains Financial pays an annual dividend of $0.60 per share and has a dividend yield of 1.7%. South Plains Financial pays out 20.5% of its earnings in the form of a dividend.

Insider & Institutional Ownership

0.1% of Sberbank of Russia shares are held by institutional investors. Comparatively, 55.0% of South Plains Financial shares are held by institutional investors. 25.4% of South Plains Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Sberbank of Russia and South Plains Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sberbank of Russia	40.80%	21.45%	2.97%
South Plains Financial	17.20%	11.75%	1.17%

Analyst Ratings

This is a breakdown of recent ratings and price targets for Sberbank of Russia and South Plains Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sberbank of Russia	0	0	0	0	0.00
South Plains Financial	0	0	3	0	3.00

South Plains Financial has a consensus target price of $42.67, suggesting a potential upside of 18.75%. Given South Plains Financial’s stronger consensus rating and higher probable upside, analysts plainly believe South Plains Financial is more favorable than Sberbank of Russia.

Risk & Volatility

Sberbank of Russia has a beta of 1.56, suggesting that its stock price is 56% more volatile than the S&P 500. Comparatively, South Plains Financial has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500.

Valuation & Earnings

This table compares Sberbank of Russia and South Plains Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A
South Plains Financial	$288.97 million	2.04	$49.72 million	$2.92	12.30

Sberbank of Russia has higher revenue and earnings than South Plains Financial.

Summary

Sberbank of Russia beats South Plains Financial on 8 of the 14 factors compared between the two stocks.

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.

About South Plains Financial

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company was founded in 1941 and is headquartered in Lubbock, Texas.