Glacier Bancorp (GBCI) versus Fidelity Southern (LION) Head to Head Analysis
Fidelity Southern (NASDAQ: GBCI) and Glacier Bancorp (NASDAQ:GBCI) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, earnings, analyst recommendations, institutional ownership, profitability, valuation and risk.
Institutional and Insider Ownership
69.2% of Fidelity Southern shares are held by institutional investors. Comparatively, 82.2% of Glacier Bancorp shares are held by institutional investors. 20.2% of Fidelity Southern shares are held by insiders. Comparatively, 0.4% of Glacier Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This table compares Fidelity Southern and Glacier Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Fidelity Southern||$292.93 million||2.32||$39.79 million||$1.31||19.09|
|Glacier Bancorp||$487.26 million||7.90||$116.37 million||$1.75||26.01|
Glacier Bancorp has higher revenue and earnings than Fidelity Southern. Fidelity Southern is trading at a lower price-to-earnings ratio than Glacier Bancorp, indicating that it is currently the more affordable of the two stocks.
This is a breakdown of current ratings and target prices for Fidelity Southern and Glacier Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Fidelity Southern currently has a consensus target price of $25.50, indicating a potential upside of 1.96%. Glacier Bancorp has a consensus target price of $42.40, indicating a potential downside of 6.85%. Given Fidelity Southern’s higher probable upside, research analysts plainly believe Fidelity Southern is more favorable than Glacier Bancorp.
Volatility & Risk
Fidelity Southern has a beta of 0.93, meaning that its share price is 7% less volatile than the S&P 500. Comparatively, Glacier Bancorp has a beta of 1.43, meaning that its share price is 43% more volatile than the S&P 500.
Fidelity Southern pays an annual dividend of $0.48 per share and has a dividend yield of 1.9%. Glacier Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.3%. Fidelity Southern pays out 36.6% of its earnings in the form of a dividend. Glacier Bancorp pays out 59.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Glacier Bancorp has increased its dividend for 6 consecutive years. Glacier Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
This table compares Fidelity Southern and Glacier Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Glacier Bancorp beats Fidelity Southern on 14 of the 17 factors compared between the two stocks.
About Fidelity Southern
Fidelity Southern Corporation operates as the holding company for Fidelity Bank that provides financial products and services primarily for individuals, and small and medium-sized businesses in the United States. The company accepts noninterest-bearing demand and interest-bearing demand accounts, including money market accounts and savings deposits; and time deposits. It also offers various loans, such as commercial and industrial loans, commercial real estate loans, indirect automobile loans, real estate construction loans, and real estate mortgage loans, as well as consumer loans, including automobile loans, residential mortgage and home equity loans, and secured and unsecured personal loans. In addition, the company offers Internet banking services comprising online bill pay and mobile deposit, and Internet cash management services; and wealth management services, including trust administration, investment management, financial and estate planning, and specialized lending and banking. Further, it provides cash management, remote deposit, and international trade services; and merchant services and credit cards. Additionally, the company operates an insurance agency that offers consumer credit related insurance products; and issues trust preferred securities. As of December 31, 2017, it owned 56 and leased 10 retail bank branches; and leased approximately 30 loan production offices. Fidelity Southern Corporation was founded in 1973 and is headquartered in Atlanta, Georgia.
About Glacier Bancorp
Glacier Bancorp, Inc. operates as the holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers deposit products, including non-interest bearing deposits, interest bearing negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposits, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; second mortgage loans; home equity loans consisting of 1-4 family junior lien mortgages, and first and junior lien lines of credit secured by residential real estate; and agriculture loans. Further, the company provides mortgage origination services. As of December 31, 2017, it operated in 145 locations in Montana, Idaho, Utah, Washington, Wyoming, Colorado, and Arizona. The company was incorporated in 2004 and is headquartered in Kalispell, Montana.
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