Centerstate Bank (NASDAQ:CSFL) vs. Citigroup (NASDAQ:C) Head to Head Survey

Centerstate Bank (NASDAQ:CSFL) and Citigroup (NYSE:C) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, risk, profitability, dividends, earnings and analyst recommendations.

Dividends

Centerstate Bank pays an annual dividend of $0.44 per share and has a dividend yield of 2.0%. Citigroup pays an annual dividend of $1.80 per share and has a dividend yield of 2.7%. Citigroup pays out 27.1% of its earnings in the form of a dividend. Centerstate Bank has raised its dividend for 3 consecutive years and Citigroup has raised its dividend for 4 consecutive years. Citigroup is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider and Institutional Ownership

61.4% of Centerstate Bank shares are held by institutional investors. Comparatively, 76.0% of Citigroup shares are held by institutional investors. 1.8% of Centerstate Bank shares are held by insiders. Comparatively, 0.1% of Citigroup shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Centerstate Bank and Citigroup’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Centerstate Bank 27.51% 10.11% 1.58%
Citigroup 18.32% 10.05% 0.94%

Valuation & Earnings

This table compares Centerstate Bank and Citigroup’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Centerstate Bank $565.76 million 5.12 $156.43 million N/A N/A
Citigroup $97.12 billion 1.58 $18.05 billion $6.65 10.01

Citigroup has higher revenue and earnings than Centerstate Bank.

Analyst Ratings

This is a summary of recent recommendations and price targets for Centerstate Bank and Citigroup, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Centerstate Bank 0 0 4 0 3.00
Citigroup 0 2 17 0 2.89

Centerstate Bank currently has a consensus price target of $28.75, suggesting a potential upside of 29.62%. Citigroup has a consensus price target of $79.39, suggesting a potential upside of 19.31%. Given Centerstate Bank’s stronger consensus rating and higher possible upside, equities analysts plainly believe Centerstate Bank is more favorable than Citigroup.

Risk & Volatility

Centerstate Bank has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500. Comparatively, Citigroup has a beta of 1.72, indicating that its stock price is 72% more volatile than the S&P 500.

Summary

Centerstate Bank beats Citigroup on 8 of the 15 factors compared between the two stocks.

Centerstate Bank Company Profile

CenterState Bank Corporation operates as the holding company for CenterState Bank, N.A. that provides various consumer and commercial banking services to individuals, businesses, and industries. The company accepts various deposit products, such as savings, demand, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and time deposits. Its loan products include real estate loans to individuals and businesses for the purchase, improvement of, or investment in real estate; construction of single-family residential and commercial units; and development of single-family residential building lots. The company's loan products also comprise commercial loans to small-to-medium sized businesses for working capital, equipment purchases, and various other business purposes; and consumer loans consisting of loans to individuals for various consumer purposes, as well as business purpose loans. It also offers mutual funds, annuities, and other investment products. In addition, the company sells fixed income securities; and provides hedging, loan brokerage, correspondent bank deposits, safe-keeping, bond accounting, asset/liability consulting, international wires, clearing and corporate checking account, and other correspondent banking related services. As of December 31, 2018, it operated 126 full service banking offices throughout Florida, Georgia, and Alabama; 1 loan production office in Florida; and 1 loan production office in Macon, Georgia. The company was formerly known as CenterState Banks, Inc. and changed its name to CenterState Bank Corporation in September 2017. CenterState Bank Corporation was founded in 1989 and is headquartered in Winter Haven, Florida.

Citigroup Company Profile

Citigroup Inc., a diversified financial services holding company, provides various financial products and services for consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment provides wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed income research, corporate and consumer loans, investment banking and advisory services, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2018, it operated 2,410 branches in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

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