Reviewing Bogota Financial (NASDAQ:BSBK) & Credit Agricole (OTCMKTS:CRARY)

Bogota Financial (NASDAQ:BSBK) and Credit Agricole (OTCMKTS:CRARY) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, institutional ownership, valuation, profitability, analyst recommendations, earnings and dividends.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Bogota Financial and Credit Agricole, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bogota Financial	0	1	0	0	2.00
Credit Agricole	0	4	1	0	2.20

Volatility & Risk

Bogota Financial has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500. Comparatively, Credit Agricole has a beta of 0.64, suggesting that its share price is 36% less volatile than the S&P 500.

Earnings and Valuation

This table compares Bogota Financial and Credit Agricole”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bogota Financial	$44.78 million	2.60	$2.09 million	$0.21	43.43
Credit Agricole	$31.76 billion	1.59	$8.00 billion	$1.12	7.39

Credit Agricole has higher revenue and earnings than Bogota Financial. Credit Agricole is trading at a lower price-to-earnings ratio than Bogota Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Bogota Financial and Credit Agricole’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bogota Financial	6.00%	1.83%	0.29%
Credit Agricole	23.39%	31.64%	1.14%

Insider & Institutional Ownership

11.6% of Bogota Financial shares are held by institutional investors. Comparatively, 0.6% of Credit Agricole shares are held by institutional investors. 3.7% of Bogota Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Credit Agricole beats Bogota Financial on 9 of the 13 factors compared between the two stocks.

About Bogota Financial

Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States. It offers deposit accounts, including demand accounts, savings accounts, money market accounts, and certificate of deposit accounts. The company also provides one-to four-family residential real estate loans, and commercial real estate and multi-family loans; consumer loans, such as home equity loans and lines of credit; commercial and industrial loans; and construction loans; and buys, sells, and holds investment securities. It operates through various offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as through a loan production office in Spring Lake, New Jersey. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.

About Credit Agricole

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking Regional Banks; French Retail Banking – LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.