Yirendai (YRD) Competitors

Customers Bancorp (NYSE:CUBI) and Yirendai (NYSE:YRD) are both small-cap banking companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, analyst recommendations, media sentiment, dividends, risk, earnings, valuation and institutional ownership.

Which has preferable earnings & valuation, CUBI or YRD?

Yirendai has higher revenue and earnings than Customers Bancorp. Yirendai is trading at a lower price-to-earnings ratio than Customers Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Customers Bancorp	$648.24M	3.06	$181.47M	$3.97	15.83
Yirendai	$5.98B	0.09	$216.77M	$2.14	2.85

Do insiders & institutionals have more ownership in CUBI or YRD?

89.3% of Customers Bancorp shares are held by institutional investors. Comparatively, 2.0% of Yirendai shares are held by institutional investors. 8.7% of Customers Bancorp shares are held by insiders. Comparatively, 42.2% of Yirendai shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Which has more risk and volatility, CUBI or YRD?

Customers Bancorp has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500. Comparatively, Yirendai has a beta of 0.72, suggesting that its stock price is 28% less volatile than the S&P 500.

Is CUBI or YRD more profitable?

Yirendai has a net margin of 22.48% compared to Customers Bancorp's net margin of 10.51%. Yirendai's return on equity of 14.33% beat Customers Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Customers Bancorp	10.51%	11.64%	0.89%
Yirendai	22.48%	14.33%	10.65%

Does the media prefer CUBI or YRD?

In the previous week, Customers Bancorp had 8 more articles in the media than Yirendai. MarketBeat recorded 8 mentions for Customers Bancorp and 0 mentions for Yirendai. Customers Bancorp's average media sentiment score of 0.93 beat Yirendai's score of 0.00 indicating that Customers Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Customers Bancorp	Positive
Yirendai	Neutral

Do analysts prefer CUBI or YRD?

Customers Bancorp presently has a consensus target price of $65.33, suggesting a potential upside of 3.97%. Given Customers Bancorp's stronger consensus rating and higher possible upside, research analysts plainly believe Customers Bancorp is more favorable than Yirendai.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Customers Bancorp	0 Sell rating(s)	5 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	2.56
Yirendai	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

Customers Bancorp beats Yirendai on 11 of the 17 factors compared between the two stocks.