Lakeland Bancorp (NASDAQ:LBAI – Get Rating) and Bank of Hawaii (NYSE:BOH – Get Rating) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, valuation, profitability, earnings, risk, institutional ownership and analyst recommendations.
This is a breakdown of current ratings and price targets for Lakeland Bancorp and Bank of Hawaii, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Bank of Hawaii||0||1||0||0||2.00|
Lakeland Bancorp presently has a consensus price target of $17.50, suggesting a potential downside of 4.89%. Bank of Hawaii has a consensus price target of $80.33, suggesting a potential upside of 2.31%. Given Bank of Hawaii’s higher possible upside, analysts clearly believe Bank of Hawaii is more favorable than Lakeland Bancorp.
Valuation & Earnings
This table compares Lakeland Bancorp and Bank of Hawaii’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Lakeland Bancorp||$279.68 million||4.26||$95.04 million||$1.56||11.79|
|Bank of Hawaii||$698.07 million||4.50||$253.37 million||$5.53||14.20|
Bank of Hawaii has higher revenue and earnings than Lakeland Bancorp. Lakeland Bancorp is trading at a lower price-to-earnings ratio than Bank of Hawaii, indicating that it is currently the more affordable of the two stocks.
This table compares Lakeland Bancorp and Bank of Hawaii’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Bank of Hawaii||31.88%||18.37%||0.99%|
Volatility and Risk
Lakeland Bancorp has a beta of 0.83, suggesting that its stock price is 17% less volatile than the S&P 500. Comparatively, Bank of Hawaii has a beta of 1.01, suggesting that its stock price is 1% more volatile than the S&P 500.
Institutional and Insider Ownership
57.7% of Lakeland Bancorp shares are held by institutional investors. Comparatively, 74.3% of Bank of Hawaii shares are held by institutional investors. 4.7% of Lakeland Bancorp shares are held by insiders. Comparatively, 2.1% of Bank of Hawaii shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Bank of Hawaii beats Lakeland Bancorp on 11 of the 17 factors compared between the two stocks.
About Lakeland Bancorp
Lakeland Bancorp, Inc. operates as the bank holding company for Lakeland Bank that offers various banking products and services for individuals and small to medium sized businesses. The company provides commercial banking services, including savings, money market, and time accounts, as well as demand deposits. It is also involved in lending services, including commercial real estate loans, commercial and industrial loans, short and medium term loans, lines of credit, letters of credit, inventory and accounts receivable financing, real estate construction loans, residential mortgage loans, Small Business Administration (SBA) loans, and merchant credit card services; financing solutions to small and medium-sized companies; online banking, mobile banking, and wire transfer services; and cash management services, such as remote capture of deposits and overnight sweep repurchase agreements. In addition, it provides consumer banking services, which include checking accounts, savings accounts, interest-bearing checking accounts, money market accounts, certificates of deposit, online banking, secured and unsecured loans, consumer installment loans, mortgage loans, and safe deposit services. Further, the company offers investment advisory services for individuals and businesses; and securities brokerage services, including mutual funds and variable annuities, as well as commercial title insurance services and life insurance products. As of December 31, 2021, it operated 48 branch offices located throughout Bergen, Essex, Morris, Ocean, Passaic, Somerset, Sussex, and Union counties in New Jersey and in Highland Mills, New York; operated six New Jersey regional commercial lending centers in Bernardsville, Iselin, Jackson, Montville, Teaneck and Waldwick; and one New York commercial lending center to serve the Hudson Valley region. The company was incorporated in 1969 and is headquartered in Oak Ridge, New Jersey.
About Bank of Hawaii
Bank of Hawaii Corp. operates as a bank holding company, which engages in the provision of financial services. It operates through the following segments: Retail Banking, Commercial Banking, Investment Services and Private Banking, and Treasury and Other. The Retail Banking segment offers financial products and services to consumers and small businesses. The Commercial Banking segment includes corporate banking, commercial real estate loans, commercial lease financing, auto dealer financing, and deposit products. The Investment Services and Private Banking segment comprises private banking and client banking services, trust services, investment management, and institutional investment advisory services. The Treasury and Other segment consists of corporate asset and liability management activities. The company was founded in 1897 and is headquartered in Honolulu, HI.
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