CR AGRICOLE S A/ADR (OTCMKTS:CRARY) and Idaho Independent Bank (OTCMKTS:IIBK) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.

Insider and Institutional Ownership

0.4% of CR AGRICOLE S A/ADR shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for CR AGRICOLE S A/ADR and Idaho Independent Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CR AGRICOLE S A/ADR 0 1 2 0 2.67
Idaho Independent Bank 0 0 0 0 N/A

Dividends

CR AGRICOLE S A/ADR pays an annual dividend of $0.27 per share and has a dividend yield of 4.6%. Idaho Independent Bank does not pay a dividend. CR AGRICOLE S A/ADR pays out 32.9% of its earnings in the form of a dividend.

Volatility & Risk

CR AGRICOLE S A/ADR has a beta of 1.47, indicating that its share price is 47% more volatile than the S&P 500. Comparatively, Idaho Independent Bank has a beta of -0.15, indicating that its share price is 115% less volatile than the S&P 500.

Valuation & Earnings

This table compares CR AGRICOLE S A/ADR and Idaho Independent Bank’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CR AGRICOLE S A/ADR $23.19 billion 1.44 $5.17 billion $0.82 7.17
Idaho Independent Bank N/A N/A $10.06 million N/A N/A

CR AGRICOLE S A/ADR has higher revenue and earnings than Idaho Independent Bank.

Profitability

This table compares CR AGRICOLE S A/ADR and Idaho Independent Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CR AGRICOLE S A/ADR 22.28% 6.75% 0.27%
Idaho Independent Bank N/A N/A N/A

Summary

CR AGRICOLE S A/ADR beats Idaho Independent Bank on 9 of the 11 factors compared between the two stocks.

CR AGRICOLE S A/ADR Company Profile

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail and corporate customers, banks and financial institutions, government agencies, and local authorities. The company is based in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.

Idaho Independent Bank Company Profile

Idaho Independent Bank, a state-chartered bank, provides commercial banking services to individual and business customers in Idaho. The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as credit and debit cards; and loans comprising home mortgage loans, construction loans, home equity lines of credit, auto loans, personal lines of credit, business term loans, operating lines of credit, commercial real estate loans, secured personal loans, commercial real estate loans, and small business loans, as well as agricultural equipment loans, farm acquisition loans, and government guaranteed loans. It also provides cash management services, including express deposit, wire transfers, automated clearing house, sweep accounts, imaging, positive pay, and other payment services, as well as merchant services. In addition, the company offers online banking, bill pay, overdraft opt-in/out, e-statements, cashier's check, safe deposit box, and mobile banking services. It operates through three branches in Boise, as well as branches in Coeur d'Alene, Hayden, Meridian, Nampa, Caldwell, Mountain Home, Ketchum, and Star, Idaho. Idaho Independent Bank was founded in 1993 and is based in Coeur d'Alene, Idaho.

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