Friday, June 27, 2014

Top Supermarket Companies To Invest In Right Now

Whole Foods Market, Inc. (NASDAQ: WFM) may have just telegraphed the peak of the growth trends in organic and high-priced groceries. For years we have argued that investors need to think of Whole foods as a luxury goods destination rather than being in an industry dominated by low-margin supermarket stores. Now Whole Foods is finding again that growing pains come in measured steps, and the trends elsewhere may have even started catching up to the company.

In the latest quarterly earnings report, Whole Foods showed that same-store sales were up a mere 5.9%. That is great for other chains, but investors demand more of this luxury food giant.

The latest quarterly earnings came to $121 million, or $0.32 per share. Revenue growth was only 2% to $2.98 billion. We had estimates pegged at $0.31 in earnings per share, but the revenue expectations were $3.04 billion. That 2% sales growth was represented as being from the 13-week period last year and an increase of 11% on a comparative 12-week basis, so growth is perhaps better than it sounds on the surface.

Top Beverage Stocks To Own Right Now: ICICI Bank Ltd (IBN)

ICICI Bank Limited (the Bank), incorporated on January 5, 1994, is a banking company. The Bank, together with its subsidiaries, joint ventures and associates, is a diversified financial services group providing a range of banking and financial services, including commercial banking, retail banking, project and corporate finance, working capital finance, insurance, venture capital and private equity, investment banking, broking and treasury products and services. It operates under four segments: retail banking, wholesale banking, treasury and other banking. Retail Banking includes exposures of the Bank, which satisfy the four criteria of orientation, product, granularity and low value of individual exposures for retail exposures. Wholesale Banking includes all advances to trusts, partnership firms, companies and statutory bodies, which are not included under Retail Banking. Treasury includes the entire investment portfolio of the Bank. Other Banking includes hire purchase and leasing operations and other items. As of March 31, 2012, the Bank had 17 subsidiaries. During the fiscal year ended March 31, 2013, the Company added 348 branches and 1,475 automated teller machines (ATMs) to its network, taking its branch and ATM count to 3,100 and 10,481 respectively at March 31, 2013.

Retail Banking

The branch network serves as an integrated channel for deposit mobilization, selected retail asset origination and distribution of third-party products, as well as the focal point for customer service. During fiscal 2011, the Bank continued its focus on increasing the proportion of low-cost retail deposits in its funding base. During fiscal 2011, its retail disbursements increased as it focused on opportunities in residential mortgages, vehicle finance and construction equipment finance. The Company also continued to focus on cross-selling new products and products of its life and general insurance subsidiaries to its existing customers. As of March 31, 2013, its ATMs offer services such a! s opening fixed deposits, payment of credit card and utility bills, payment of insurance premium, mobile re-charges and ultra fast cash.

Small Enterprises

The Company offers banking solutions to small and medium enterprises across industry segments. The Company supports the growth of the small and medium enterprises sector while adopting a cluster-based financing approach for enterprises with a homogeneous profile in industries, such as infrastructure, engineering, information technology, education, life-sciences and agri-based businesses. The Company also offers supply chain financing solutions to the channel partners of large corporates.

Corporate Banking

The Bank offers a suite of corporate banking products, including rupee and foreign currency debt, working capital credit, structured financing, loan syndication and commercial banking products and services. The Company also puts in place product specific teams with a view to focus on designing financial solutions for clients spread across structured finance, project finance, loan syndication and markets. The relationship team also works with its Markets Group to assist customers in devising and executing risk management strategies to address foreign currency, interest rate and liquidity risks. Its loan syndication franchise enables the Bank to structure, underwrite and syndicate rupee and foreign currency debt with Indian and offshore investors. The Bank has built robust sector-specific syndication skills across project finance, merger and acquisition (M&A) financing and structured finance to provide optimal financing solutions.

International Banking

The Company�� international banking business is focused on meeting the foreign currency needs of its Indian corporate clients and partnering them in their global expansion, taking select trade finance exposures linked to imports to India. ICICI Bank has subsidiaries in the United Kingdom, Russia and Canada, branches in the U! nited Sta! tes, Singapore, Bahrain, Hong Kong, Sri Lanka, Dubai International Finance Centre and Qatar Financial Centre and representative offices in the United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The Bank�� wholly owned subsidiary, ICICI Bank UK PLC, has 11 branches in the United Kingdom and a branch each in Belgium and Germany. ICICI Bank Canada has nine branches. ICICI Bank Eurasia Limited Liability Company has one branch.

The Company develops products and service offerings to meet the requirements of the Non Resident Indian (NRI) community. The Bank launched I-Express, an instant cross-border money transfer option for NRIs through its select partners in the Middle East. The I-Express facility offers the remitter an option of visiting any partner outlet for instant credit into the beneficiary account maintained with ICICI Bank in India, at no extra cost. The Company also launched Fixed Rupee on Money2India.com, a facility that enables NRIs to send the exact rupee amount remittance to India since the exchange rate is confirmed at the time of initiating the remittance.

Inclusive and Rural Banking

Inclusive and Rural Banking include offering credit to the rural market through the Bank's branches and dedicated field teams and financial inclusion through business correspondents. The Bank focuses on improving its product and service offerings to meet the requirements of all participants in the rural market, including farmers, traders, commission agents, small processors and other medium agri-corporates. The Bank focuses on building capacity to implement its financial inclusion plan. The Bank also focused on opening accounts for routing benefit payments under various government schemes and has received the mandate for opening accounts of individuals under these schemes in certain states.

The Bank has also identified 25 business correspondents having a network of over 7,500 customer service points, to service these cust! omers. Th! e Bank provides basic financial services to the unbanked and underbanked

population comprising small and marginal farmers, daily wage labourers, beneficiaries of government. Around 47% of the Bank�� branches are in rural and semi-urban areas

Treasury

The Bank provides provide foreign exchange and derivative products and services to customers through its Markets Group. These products and services include foreign exchange products for hedging currency risk, foreign exchange and interest rate derivatives, such as options and swaps and bullion transactions.

Advisors' Opinion:
  • [By Selena Maranjian]

    Finally, Caxton Associates' biggest closed positions included Sprint Nextel�and JPMorgan Chase. Other closed positions of interest include India-based ICICI Bank (NYSE: IBN  ) . In April, the bank reported double-digit profit increases and rising ROE. Analysts at Zacks downgraded the bank earlier this month, though, citing deterioration of its credit quality and expected steep operating expenses.

  • [By Chuck Carnevale]

    ICICI Bank Limited-ADR (IBN)

    My second featured aggressive financial is ICICI Bank Limited-ADR (IBN), an ADR (American Depository Receipt) headquartered in India. This company is the largest private sector bank in India. Current low valuation is what most attracted me to this aggressive selection. However, I believe that prospective investors should carefully consider the amount of price volatility that has historically occurred with their share price. Nevertheless, for those dividend growth investors with a stomach for risk, this company may be worth taking a closer look at.

Top Supermarket Companies To Invest In Right Now: Community Bank System Inc (CBU)

Community Bank System, Inc., incorporated on April 15, 1983, which wholly owns five subsidiaries: Community Bank, N.A. (the Bank), Benefit Plans Administrative Services, Inc. (BPAS), CFSI Closeout Corp. (CFSICC), First of Jermyn Realty Company, Inc. (FJRC) and Town & Country Agency LLC (T&C). The Bank operates as a community bank providing a range of banking and financial services to retail, commercial, and municipal customers. As of December 31, 2012, the Bank operates 179 full-service branches throughout 35 counties of Upstate New York, where it operates as Community Bank, N.A. and five counties of Northeastern Pennsylvania, where it is known as First Liberty Bank & Trust, offering a range of commercial and retail banking services. BPAS provides administration, consulting and actuarial services to sponsors of employee benefit plans. In December 2013, the Company announced that it has acquired eight branch-banking locations across its Northeast Pennsylvania markets from Bank of America, N.A.Five of the branches are located in Luzerne County, one is located in Lackawanna County and two are located in Carbon County.

On July 20, 2012, the Bank completed its acquisition of 16 retail branches in Central, Northern and Western New York from HSBC Bank USA, N.A. (HSBC), acquiring approximately $106 million in loans and $697 million of deposits. On September 7, 2012, it completed its acquisition of three branches in Western New York from First Niagara Bank, N.A. (First Niagara), acquiring approximately $54 million of loans and $101 million of deposits.

Lending Activities

As of December 31, 2012, the Bank�� loan portfolio included consumer mortgage loans, business lending, Consumer indirect, Consumer direct and Home equity. Consumer indirect and direct loans consist of personal loans originated both in the branch network and in automobile, marine and recreational vehicle dealerships. Approximately 68% of loans outstanding as of December 31, 2012, were made to consumers ! borrowing on an installment, line of credit or residential mortgage loan basis. The consumer mortgage portion of the Company�� loan portfolio is comprised of fixed (98%) and adjustable rate (2%) residential lending and includes no exposure to subprime, Alt-A or other higher-risk mortgage products. The combined total of general-purpose business lending, including agricultural-related and dealer floor plans, as well as mortgages on commercial property, is characterized as the Company�� business lending activity.

Investment Activities

As of December 31, 2012, the Bank�� investment securities included held-to-maturity, available-for-sale and Other securities. As of December 31, 2012, its held-to-maturity portfolio included U.S. Treasury and agency securities, Obligations of state and political subdivisions, Government agency mortgage-backed securities, Corporate debt securities and Other securities. Its Other Securities included Federal Home Loan Bank common stock, Federal Reserve Bank common stock and Other equity securities.

Sources of Funds

The Bank utilizes a variety of funding sources to support the earning asset base. Overall funding is comprised of three primary sources that possess a variety of maturity, stability, and price characteristics: deposits of individuals, partnerships and corporations (IPC deposits), municipal deposits that are collateralized for amounts not covered by FDIC insurance (public funds) and external borrowings. The various types of deposits offered by the Bank include Noninterest checking deposits, Interest checking deposits, Regular savings deposits, Money market deposits and Time deposits. Borrowing sources for the Company include the Federal Home Loan Bank of New York (FHLBNY) and Federal Reserve Bank of New York, as well as access to the brokered certificate of deposit (CD) and repurchase markets through relationships with primary market security dealers.

Subsidiary Activities

The Compan! y�� sub! sidiary, BPAS owns three subsidiaries, Benefit Plans Administrative Services LLC (BPA), a provider of defined contribution plan administration services; Harbridge Consulting Group LLC (Harbridge), a provider of actuarial and benefit consulting services, and Hand Benefits & Trust Company (HB&T), a provider of Collective Investment Fund administration and institutional trust services. HB&T owns two subsidiaries, Flex Corp. (Flex), a provider of administration, servicing and marketing of various flexible employee benefit programs and Hand Securities, Inc. (HSI), an introducing broker dealer. The Company also wholly owns two unconsolidated subsidiary business trusts formed for the purpose of issuing mandatorily redeemable preferred securities.

The Bank owns subsidiaries, such as CBNA Insurance Agency, Inc. (CBNA Insurance), CBNA Preferred Funding Corporation (PFC), CBNA Treasury Management Corporation (TMC), Community Investment Services, Inc. (CISI), First Liberty Service Corp. (FLSC), Nottingham Advisors, Inc. (Nottingham), Brilie Corporation (Brilie), and Western Catskill Realty, LLC (WCR). CBNA Insurance is a full-service insurance agency offering primarily property and casualty products. PFC primarily acts as an investor in residential real estate loans. TMC provides cash management, investment, and treasury services to the Bank. CISI provides broker-dealer and investment advisory services. FLSC provides banking-related services to the Pennsylvania branches of the Bank. Nottingham provides asset management services to individuals, corporate pension and profit sharing plans, and foundations. Brilie and WCR are inactive companies.

Advisors' Opinion:
  • [By GURUFOCUS]

    Community Bank System Inc. (CBU) operates as the bank holding company for Community Bank, N.A. that provides banking and financial services to retail, commercial, and municipal customers. August 21st the company increased its quarterly dividend 3.7% to $0.28 per share. The dividend is payable October 10, 2013 to shareholders of record as of September 16, 2013. The yield based on the new payout is 3.3%.

Top Supermarket Companies To Invest In Right Now: RMP Energy Inc (OEXFF.PK)

RMP Energy Inc. (RMP) is a crude oil and natural gas company. The Company is engaged in the exploration for, development and production of natural gas, crude oil and natural gas liquids (NGLs) reserves within the provinces of Alberta and Saskatchewan, Canada. RMP conducts its operations in the Western Canadian Sedimentary Basin, primarily in the provinces of Alberta and Saskatchewan. The Company�� principal properties include Gilby, Pine Creek, Kaybob, Waskahigan, Ante Creek, Ricinus, Gordondale, Resthaven/Bilbo and Big Muddy. The Gilby property is located 110 kilometers southwest of Edmonton, Alberta. Kaybob property is located 250 kilometers northwest of Edmonton, Alberta and consisted of 31 producing and non-producing gas wells as of December 31, 2011. In November 2013, RMP Energy Inc closed the purchase of complementary Montney light oil assets located in its core areas of Ante Creek and Waskahigan in West Central Alberta. Advisors' Opinion:
  • [By Value Digger]

    As peers, I selected Artek Exploration (ARKXF.PK), RMP Energy (OEXFF.PK), Synergy Resources (SYRG) and Magnum Hunter Resources (MHR). The first two firms trade also on the main Toronto board under the tickers RTK.TO and RMP.TO respectively. These peers comply with the following criteria:

Top Supermarket Companies To Invest In Right Now: Holcim Ltd (HOLN)

Holcim Ltd (Holcim) is a Switzerland-based holding company that specializes in the manufacture, distribution and marketing of building materials. The Company operates four business segments, including Cement, Aggregates, Other construction materials and services, and Corporate. The Cement segment is engaged in the development of cement and comprises clinker and other cementitious materials, among others. The Aggregates business segment includes crushed stone, gravel and sand. The Other construction materials and services business segment comprises ready-mix concrete, concrete products, asphalt, construction and paving, and trading, among others. Additionally, other construction materials and services segment provides environmental services, including waste management, among others. The Corporate segment is engaged in holding activities and general management. It operates through subsidiaries in Asia Pacific, Latin America, Europe, North America, Africa and Middle East regions. Advisors' Opinion:
  • [By Sofia Horta e Costa]

    Holcim Ltd. (HOLN) lost 0.9 percent to 68.15 francs in Zurich. Bank of America Corp.�� Merrill Lynch unit cut its rating on the world�� largest cement maker to underperform, similar to a sell recommendation, from neutral. Merrill Lynch cited the company�� exposure to emerging markets.

Top Supermarket Companies To Invest In Right Now: Suntory Beverage & Food Ltd (STBFY)

Suntory Beverage & Food Limited is principally engaged in the manufacture and sale of beverages and food. The Company operates in two geographical segments. The Domestic segment is engaged in the manufacture and sale of various soft drinks within Japan, such as coffee drinks, mineral water, green tea drinks, tea drinks, carbonated drinks, fruit juice drinks, functional beverages, milk beverages, and food for specified health use, as well as syrup for general and business usage. The International segment is engaged in the manufacture and sale of carbonated drinks, fruit juice drinks, health food, seasoning, tea-based beverages and others, with operations in Europe, Oceania, Asia and the Americas. As of May 29, 2013, the Company had 80 subsidiaries and 10 associated companies. On October 15, 2013, the Company acquired Lucozade Ribena Suntory Limited. On December 12, 2013, the Company acquired Suntory Beverage & Food Europe Limited. Advisors' Opinion:
  • [By Charles Sizemore]

    Let�� start with Suntory Beverage & Food Limited (STBFY),which recently completed its acquisition of�Beam Inc., formerly the purest play on bourbon. Beam was the owner of the eponymous Jim Beam brand, as well as the higher-end Maker�� Mark and Knob Creek and the lower-end Old Crow.�Suntory is Japan�� leading spirits company, though most Americans will be unfamiliar with its Japanese whisky brands, such as Yamazaki and Hakushu. (Note for booze snobs: Japanese whisky��ike Scotch and Canadian whisky��s correctly spelled ��hisky.��American bourbon, Tennessee whiskey and Irish whiskey are correctly spelled ��hiskey.��

  • [By John Udovich]

    Whiskey has become increasingly cool and popular thanks to the whole cocktail movement, something that�� good for big whiskey stocks like Suntory Beverage & Food Limited (OTCMKTS: STBFY), Diageo plc (NYSE: DEO) and Brown-Forman Corporation (NYSE: BF.B) who�also produce a wide variety of�liquors and beverages. In fact,�a recent episode of the�Daily Ticker�cited these stats from a USA Today article:

Top Supermarket Companies To Invest In Right Now: Robert Half International Inc.(RHI)

Robert Half International Inc. provides staffing and risk consulting services in North America, South America, Europe, Asia, and Australia. Its Accountemps division offers temporary staffing in the fields of accounting, tax, and finance. The company?s OfficeTeam division places temporary and full-time office and administrative personnel, ranging from word processors to office managers. Its Robert Half Finance & Accounting division specializes in the placement of full-time accounting, financial, tax, and banking personnel. The company?s Robert Half Technology division specializes in providing information technology contract consultants; and placing full-time employees in the areas, ranging from multiple platform systems integration to end-user support, including specialists in programming, networking, systems integration, database design, and help desk support. Its Robert Half Legal division places temporary and full-time employees in attorney, paralegal, legal administrati ve, and legal secretarial positions. The company?s Robert Half Management Resources division offers senior level project professionals in the accounting and finance fields comprising chief financial officers, controllers, and senior financial analysts for various tasks, such as financial systems conversions, expansion into new markets, business process reengineering, and post-merger financial consolidation. Its Creative Group division serves clients in the areas of advertising, marketing, and Web design; and places project consultants in various positions consisting of creative directors, graphics designers, Web content developers, Web designers, media buyers, and public relations specialists. The company?s Protiviti division provides experts specializing in risk, advisory, and transactional services. Robert Half International was founded in 1948 and is based in Menlo Park, California.

Advisors' Opinion:
  • [By Mark Hulbert]

    Apple�� profitability is in the middle of the pack among nonfinancial companies in the S&P 500 (SPX) �. The most profitable, according to AQR Capital Management, a money-management firm in Greenwich, Conn., with more than $80 billion in assets, is staffing firm Robert Half International (RHI) �, whose gross profitability is 119%. In second place is cosmetics giant Est茅e Lauder (EL) �, at 114%.

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