Critical Contrast: Oxford Bank (OTCMKTS:OXBC) versus Banco Santander (Brasil) (NYSE:BSBR)

Oxford Bank (OTCMKTS:OXBC) and Banco Santander (Brasil) (NYSE:BSBR) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, earnings, analyst recommendations, valuation, profitability and risk.

Risk & Volatility

Oxford Bank has a beta of 0.39, indicating that its share price is 61% less volatile than the S&P 500. Comparatively, Banco Santander (Brasil) has a beta of 1.04, indicating that its share price is 4% more volatile than the S&P 500.

Valuation and Earnings

This table compares Oxford Bank and Banco Santander (Brasil)”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oxford Bank	N/A	N/A	$12.06 million	$4.50	7.33
Banco Santander (Brasil)	$43.60 billion	0.43	$1.89 billion	$0.79	6.32

Banco Santander (Brasil) has higher revenue and earnings than Oxford Bank. Banco Santander (Brasil) is trading at a lower price-to-earnings ratio than Oxford Bank, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

4.5% of Oxford Bank shares are held by institutional investors. Comparatively, 14.5% of Banco Santander (Brasil) shares are held by institutional investors. 0.1% of Banco Santander (Brasil) shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and target prices for Oxford Bank and Banco Santander (Brasil), as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oxford Bank	0	0	0	0	N/A
Banco Santander (Brasil)	0	0	1	0	3.00

Profitability

This table compares Oxford Bank and Banco Santander (Brasil)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oxford Bank	N/A	N/A	N/A
Banco Santander (Brasil)	N/A	N/A	N/A

Summary

Banco Santander (Brasil) beats Oxford Bank on 6 of the 8 factors compared between the two stocks.

About Oxford Bank

Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.

About Banco Santander (Brasil)

Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. The company operates through Commercial Banking and Global Wholesale Banking segments. It offers local loans, commercial financing options, development bank funds, and cash management services; export and import financing, guarantees, structuring of asset services. In addition, the company provides financing and advisory services for infrastructure projects and capital markets instruments, as well as offers equity transactions and mergers and acquisitions services. Further, it offers foreign exchange products, derivatives, and investments to institutional investors, corporate clients, and individuals. Additionally, the company provides research services, as well as offers brokerage services for corporate, institutional, and individual investors. Furthermore, it provides deposits and other bank funding instruments, and debit and credit cards. The company provides financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil. The company operates as a subsidiary of Banco Santander, S.A.