Stonegate Bank (SGBK) versus National Penn Bancshares (NASDAQ:NPBC) Critical Comparison

National Penn Bancshares (NASDAQ: NPBC) and Stonegate Bank (NASDAQ:SGBK) are both financials companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, valuation, profitability, institutional ownership, analyst recommendations, dividends and risk.

Institutional & Insider Ownership

58.8% of Stonegate Bank shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings for National Penn Bancshares and Stonegate Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
National Penn Bancshares 0 0 0 0 N/A
Stonegate Bank 0 3 0 0 2.00

Stonegate Bank has a consensus target price of $49.00, indicating a potential upside of 5.69%. Given Stonegate Bank’s higher possible upside, analysts plainly believe Stonegate Bank is more favorable than National Penn Bancshares.

Profitability

This table compares National Penn Bancshares and Stonegate Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
National Penn Bancshares 32.36% 9.98% 1.21%
Stonegate Bank 25.68% N/A N/A

Valuation & Earnings

This table compares National Penn Bancshares and Stonegate Bank’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
National Penn Bancshares N/A N/A N/A N/A N/A
Stonegate Bank $109.67 million 6.48 $33.24 million $2.17 21.36

Stonegate Bank has higher revenue and earnings than National Penn Bancshares.

Dividends

Stonegate Bank pays an annual dividend of $0.32 per share and has a dividend yield of 0.7%. National Penn Bancshares does not pay a dividend. Stonegate Bank pays out 14.7% of its earnings in the form of a dividend.

National Penn Bancshares Company Profile

National Penn Bancshares, Inc. is a bank holding company. The Company provides financial services, principally through National Penn Bank, its national bank subsidiary. The Company’s financial services affiliates consist of National Penn Wealth Management, N.A., including its National Penn Investors Trust Company (NPITC) division; National Penn Capital Advisors, Inc.; Institutional Advisors, LLC, and National Penn Insurance Services Group, Inc., including its Higgins Insurance and Caruso Benefits divisions. It operates through the Community Banking segment. Through the Community Banking segment, it offers commercial banking, consumer banking and other services which include specialized investment and insurance businesses. It serves communities throughout a 14-county market area in Pennsylvania: Berks, Bucks, Carbon, Centre, Chester, Delaware, Lancaster, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Philadelphia and Schuylkill. It also serves the Cecil County, Maryland area.

Stonegate Bank Company Profile

Stonegate Bank (the Bank) is a state chartered commercial bank in the State of Florida. The Bank provides a full range of banking services to individual and corporate customers from its branch locations in Southeast and West Florida. The Bank provides personal banking, business banking and wealth management services. The Bank’s loans portfolio includes commercial real estate, construction and land development, residential real estate, commercial and consumer loans. Its personal banking services include checking account, money market, savings account, certificate of deposits, individual retirement accounts, consumer loans and residential mortgage loans. It also offers card services, such as credit cards and debit cards. Its wealth management services include asset management, trust services, estate planning, insurance planning and retirement planning for business owners.

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