Direct comparison between First Horizon (NYSE:FHN) and Ballston Spa Bancorp (OTCMKTS:BSPA)


Prime Horizon (NYSE: FHNGet a rating) and Ballston Spa Bancorp (OTCMKTS: BSPAGet a rating) are both finance companies, but which company is superior? We’ll compare the two companies based on the strength of their profitability, dividends, earnings, risk, analyst recommendations, valuation and institutional ownership.

Institutional and insider ownership

79.6% of First Horizon’s shares are held by institutional investors. By comparison, 2.4% of Ballston Spa Bancorp’s shares are held by institutional investors. 1.6% of First Horizon shares are held by insiders. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a stock will outperform the market over the long term.

Profitability

This table compares the net margins, return on equity and return on assets of First Horizon and Ballston Spa Bancorp.

Net margins Return on equity return on assets
first horizon 30.72% 13.82% 1.24%
Ballston Spa Bancorp N / A N / A N / A

Dividends

First Horizon pays an annual dividend of $0.60 per share and has a dividend yield of 2.7%. Ballston Spa Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.4%. First Horizon pays 35.7% of its earnings as a dividend.

Analyst Notes

This is a summary of current recommendations and price targets for First Horizon and Ballston Spa Bancorp, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
first horizon 0 9 0 0 2.00
Ballston Spa Bancorp 0 0 0 0 N / A

First Horizon currently has a consensus price target of $21.29, indicating a potential downside of 5.40%. Given First Horizon’s likely higher upside, analysts clearly believe that First Horizon is more favorable than Ballston Spa Bancorp.

Benefits and evaluation

This table compares the gross revenue, earnings per share and valuation of First Horizon and Ballston Spa Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
first horizon $3.25 billion 3.71 $999.00 million $1.68 1:39 p.m.
Ballston Spa Bancorp N / A N / A N / A N / A N / A

First Horizon has higher revenues and profits than Ballston Spa Bancorp.

Risk and Volatility

First Horizon has a beta of 1.14, meaning its stock price is 14% more volatile than the S&P 500. In comparison, Ballston Spa Bancorp has a beta of -0.2, meaning its stock price is 120% less volatile than the S&P 500.

Summary

First Horizon beats Ballston Spa Bancorp on 9 out of 10 factors compared between the two stocks.

About Premier Horizon (Get a rating)

First Horizon Corporation operates as a bank holding company for First Horizon Bank which provides various financial services. The Company operates through three segments: Regional Bank, Specialized Bank and Corporate. It offers general banking services to consumers, businesses, financial institutions and governments. The company also ensures the subscription of eligible banking securities and other fixed income securities eligible for subscription by financial subsidiaries; sells loans and derivatives; and offers consulting services. In addition, it offers various services, such as mortgage banking; title insurance and loan closing; brokerage; correspondent bank; national check clearing and remittance processing; trust, fiduciary and agency; financing of equipment; and financial advisory and investment services. Additionally, the Company sells mutual funds and retail insurance products; and credit cards. It operates approximately 500 banking offices in 22 states under the First Horizon Bank brand; and 400 banking centers in 12 states under the FHN Financial brand in the United States. The company was formerly known as First Horizon National Corporation and changed its name to First Horizon Corporation in November 2020. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

About Ballston Spa Bancorp (Get a rating)

Ballston Spa Bancorp logoBallston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank which provides a range of banking, finance, trust, brokerage and other financial services to businesses, municipalities and individuals in the United States. The company offers individual checking, savings, money market, health savings and retirement accounts, as well as certificates of deposit; lending products, such as mortgages and real estate, construction, auto, boat, recreational vehicle, personal loans, small business, term loans and commercial real estate loans, as well as lines of credit and government programs; and debit and credit cards. It also provides personal investment services, which include annuities, education savings plans, mutual funds, and life insurance and long-term care products; investment and asset management; curatorship; estate settlement; guardian; and wealth management services. Additionally, the company offers cash management services; and merchant and payment processing services, as well as online and mobile banking, e-statements and mobile wallets. It operates through thirteen branches in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville and Wilton counties. The company was founded in 1838 and is based in Ballston Spa, New York.



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