Financial Comparison: First Seacoast Bancorp (NASDAQ:FSEA) versus Bankinter (OTCMKTS:BKNIY)

First Seacoast Bancorp (NASDAQ:FSEA) and Bankinter (OTCMKTS:BKNIY) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, valuation, analyst recommendations, dividends, risk, institutional ownership and earnings.

Volatility & Risk

First Seacoast Bancorp has a beta of 0.16, indicating that its share price is 84% less volatile than the S&P 500. Comparatively, Bankinter has a beta of -0.18, indicating that its share price is 118% less volatile than the S&P 500.

Institutional and Insider Ownership

38.4% of First Seacoast Bancorp shares are held by institutional investors. 7.8% of First Seacoast Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares First Seacoast Bancorp and Bankinter’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Seacoast Bancorp	0.15%	0.07%	0.01%
Bankinter	24.27%	18.20%	0.90%

Analyst Ratings

This is a breakdown of current recommendations and price targets for First Seacoast Bancorp and Bankinter, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Seacoast Bancorp	0	1	0	0	2.00
Bankinter	1	3	2	0	2.17

Earnings and Valuation

This table compares First Seacoast Bancorp and Bankinter”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Seacoast Bancorp	$15.93 million	5.08	-$850,000.00	($0.04)	-429.62
Bankinter	$5.27 billion	3.31	$1.23 billion	$1.46	13.30

Bankinter has higher revenue and earnings than First Seacoast Bancorp. First Seacoast Bancorp is trading at a lower price-to-earnings ratio than Bankinter, indicating that it is currently the more affordable of the two stocks.

Summary

Bankinter beats First Seacoast Bancorp on 9 of the 13 factors compared between the two stocks.

About First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.

About Bankinter

Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, professional, basic, and management accounts; deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.