DNB Bank ASA (OTCMKTS:DNBBY) versus Esquire Financial (NASDAQ:ESQ) Head to Head Survey

DNB Bank ASA (OTCMKTS:DNBBYGet Rating) and Esquire Financial (NASDAQ:ESQGet Rating) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, profitability and earnings.

Institutional and Insider Ownership

0.1% of DNB Bank ASA shares are held by institutional investors. Comparatively, 51.2% of Esquire Financial shares are held by institutional investors. 18.5% of Esquire Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Dividends

DNB Bank ASA pays an annual dividend of $1.62 per share and has a dividend yield of 8.2%. Esquire Financial pays an annual dividend of $0.36 per share and has a dividend yield of 1.0%. DNB Bank ASA pays out 89.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Esquire Financial pays out 13.9% of its earnings in the form of a dividend.

Valuation and Earnings

This table compares DNB Bank ASA and Esquire Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
DNB Bank ASA $7.12 billion 4.32 $2.95 billion $1.82 10.90
Esquire Financial $65.56 million 4.59 $17.92 million $2.59 14.39

DNB Bank ASA has higher revenue and earnings than Esquire Financial. DNB Bank ASA is trading at a lower price-to-earnings ratio than Esquire Financial, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

DNB Bank ASA has a beta of 1.33, suggesting that its share price is 33% more volatile than the S&P 500. Comparatively, Esquire Financial has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and price targets for DNB Bank ASA and Esquire Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
DNB Bank ASA 1 4 5 0 2.40
Esquire Financial 0 0 0 0 N/A

DNB Bank ASA presently has a consensus target price of $201.67, suggesting a potential upside of 916.72%. Given DNB Bank ASA’s higher possible upside, research analysts plainly believe DNB Bank ASA is more favorable than Esquire Financial.

Profitability

This table compares DNB Bank ASA and Esquire Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
DNB Bank ASA 39.63% 10.10% 0.82%
Esquire Financial 29.41% 15.73% 1.88%

Summary

Esquire Financial beats DNB Bank ASA on 8 of the 15 factors compared between the two stocks.

About DNB Bank ASA

(Get Rating)

DNB Bank ASA provides financial services for retail and corporate customers in Norway and internationally. The company offers personal banking products and services, including savings and investment products; loans, such as home mortgages, and car and consumer loans; pet, home and property, travel, and personal insurance products, as well as insurance products for vehicles; retirement savings products; foreign exchange and treasury activities; and Internet and mobile banking services, as well as cards. It also provides business banking products and services comprising savings and investment products consisting of savings accounts, fixed rate deposits, exchange traded products, bonds and commercial papers, asset management, and equity services; financing, such as installment loans, overdraft facility, bank guarantees, leasing, factoring, and trade and export financing services; transaction banking services; research, commodities, bonds and commercial papers, corporate finance, debt capital market, equities, foreign exchange and interest rates, and securities services; and Internet services, including online equity trading, online FX trading, e-confirmation, equities execution, and investor and margin accounts, as well as pension services. In addition, the company provides investment banking services, such as mergers and acquisition, and equity and debt capital market services; foreign exchange, interest rates, equities, commodities, fixed income, research, private equity, and securities services; and corporate banking services. Further, it offers private banking services. The company offers its products and services to various sectors, including energy; financial institutions; healthcare; manufacturing; packaging and forest products; seafood; shipping, offshore, and logistics; and telecom, media, and technology. DNB Bank ASA was founded in 1822 and is headquartered in Oslo, Norway.

About Esquire Financial

(Get Rating)

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. As of January 25, 2022, the company operated a full-service branch in Jericho, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

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