Head-To-Head Analysis: Banco Itau Chile Spon (NASDAQ:ITCLY) and Esquire Financial (NASDAQ:ESQ)

Esquire Financial (NASDAQ:ESQ) and Banco Itau Chile Spon (NASDAQ:ITCLY) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, earnings, analyst recommendations, risk and profitability.

Profitability

This table compares Esquire Financial and Banco Itau Chile Spon’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Esquire Financial	31.38%	20.12%	2.51%
Banco Itau Chile Spon	10.54%	10.65%	0.91%

Dividends

Esquire Financial pays an annual dividend of $0.60 per share and has a dividend yield of 0.9%. Banco Itau Chile Spon pays an annual dividend of $0.17 per share and has a dividend yield of 5.5%. Esquire Financial pays out 12.1% of its earnings in the form of a dividend. Banco Itau Chile Spon pays out 25.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Institutional & Insider Ownership

54.7% of Esquire Financial shares are owned by institutional investors. Comparatively, 22.2% of Banco Itau Chile Spon shares are owned by institutional investors. 18.9% of Esquire Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent recommendations for Esquire Financial and Banco Itau Chile Spon, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Esquire Financial	0	1	1	1	3.00
Banco Itau Chile Spon	0	0	0	0	N/A

Esquire Financial presently has a consensus target price of $69.00, suggesting a potential upside of 3.78%. Given Esquire Financial’s higher probable upside, equities analysts plainly believe Esquire Financial is more favorable than Banco Itau Chile Spon.

Earnings & Valuation

This table compares Esquire Financial and Banco Itau Chile Spon”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Esquire Financial	$121.64 million	4.54	$41.01 million	$4.97	13.38
Banco Itau Chile Spon	$3.99 billion	0.50	$423.68 million	$0.66	4.70

Banco Itau Chile Spon has higher revenue and earnings than Esquire Financial. Banco Itau Chile Spon is trading at a lower price-to-earnings ratio than Esquire Financial, indicating that it is currently the more affordable of the two stocks.

Summary

Esquire Financial beats Banco Itau Chile Spon on 12 of the 15 factors compared between the two stocks.

About Esquire Financial

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal industry and small businesses, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, such as short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified ISO customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, medical expenses, living expenses, payment of outstanding bills, or other consumer needs; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans, as well as merchant services. In addition, it offers cash management, cash sweep, online and mobile banking, individual retirement accounts, and working capital lines of credit. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

About Banco Itau Chile Spon

Banco Ita? Chile provides banking services principally in Chile and Colombia. It provides wholesale and corporate banking; real estate and construction and retail, private, companies and personal banking services, as well as treasury and other financial services. Banco Ita? Chile, formerly known as Ita? Corpbanca, is based in Santiago, Chile.