Financial Contrast: First Republic Bank (OTCMKTS:FRCB) & Grupo Aval Acciones y Valores (NYSE:AVAL)

Grupo Aval Acciones y Valores (NYSE:AVAL) and First Republic Bank (OTCMKTS:FRCB) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, dividends, profitability, institutional ownership, risk, analyst recommendations and valuation.

Volatility & Risk

Grupo Aval Acciones y Valores has a beta of 0.98, meaning that its share price is 2% less volatile than the S&P 500. Comparatively, First Republic Bank has a beta of 1.72, meaning that its share price is 72% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for Grupo Aval Acciones y Valores and First Republic Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Grupo Aval Acciones y Valores	0	0	0	0	N/A
First Republic Bank	0	0	0	0	N/A

Earnings and Valuation

This table compares Grupo Aval Acciones y Valores and First Republic Bank”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Grupo Aval Acciones y Valores	$8.97 billion	0.26	$147.80 million	$0.09	22.00
First Republic Bank	$6.75 billion	0.00	$1.67 billion	N/A	N/A

First Republic Bank has lower revenue, but higher earnings than Grupo Aval Acciones y Valores.

Profitability

This table compares Grupo Aval Acciones y Valores and First Republic Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Grupo Aval Acciones y Valores	1.30%	1.46%	0.15%
First Republic Bank	N/A	N/A	N/A

Institutional & Insider Ownership

0.2% of Grupo Aval Acciones y Valores shares are held by institutional investors. Comparatively, 0.0% of First Republic Bank shares are held by institutional investors. 0.7% of First Republic Bank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Grupo Aval Acciones y Valores beats First Republic Bank on 6 of the 9 factors compared between the two stocks.

About Grupo Aval Acciones y Valores

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. It offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. The company also provides commercial loans comprising general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans, such as payroll loans, personal loans, automobile and other vehicle loans, credit cards, overdrafts, leases, and general purpose loans; and microcredit and mortgage loans. In addition, the company offers pension and severance fund management services; investment banking, including services relating to capital markets, mergers and acquisitions, and project finance transactions; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing and brokerage transactions, real estate escrow services, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution services, and payment and collection services. Further, it is involved in equity investments in various sectors, including infrastructure, energy and gas, agribusiness, and hospitality; and treasury operations. The company was incorporated in 1994 and is headquartered in Bogotá, Colombia. Grupo Aval Acciones y Valores S.A.

About First Republic Bank

As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.