United Security Bancshares (NASDAQ:UBFO) and UMB Financial (NASDAQ:UMBF) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, valuation, risk and earnings.
Insider & Institutional Ownership
25.1% of United Security Bancshares shares are owned by institutional investors. Comparatively, 88.1% of UMB Financial shares are owned by institutional investors. 23.2% of United Security Bancshares shares are owned by insiders. Comparatively, 10.3% of UMB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
United Security Bancshares pays an annual dividend of $0.40 per share and has a dividend yield of 4.0%. UMB Financial pays an annual dividend of $1.16 per share and has a dividend yield of 1.7%. UMB Financial pays out 30.9% of its earnings in the form of a dividend. UMB Financial has raised its dividend for 13 consecutive years.
Volatility & Risk
United Security Bancshares has a beta of 0.19, meaning that its share price is 81% less volatile than the S&P 500. Comparatively, UMB Financial has a beta of 0.89, meaning that its share price is 11% less volatile than the S&P 500.
Earnings & Valuation
This table compares United Security Bancshares and UMB Financial’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|United Security Bancshares||$37.24 million||4.57||$8.63 million||N/A||N/A|
|UMB Financial||$1.04 billion||3.24||$247.10 million||$3.75||18.05|
UMB Financial has higher revenue and earnings than United Security Bancshares.
This table compares United Security Bancshares and UMB Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Security Bancshares||29.64%||12.17%||1.47%|
This is a breakdown of current ratings and target prices for United Security Bancshares and UMB Financial, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Security Bancshares||0||0||0||0||N/A|
UMB Financial has a consensus target price of $74.50, suggesting a potential upside of 10.09%. Given UMB Financial’s higher probable upside, analysts plainly believe UMB Financial is more favorable than United Security Bancshares.
UMB Financial beats United Security Bancshares on 8 of the 15 factors compared between the two stocks.
About United Security Bancshares
United Security Bancshares (California) is a holding company, which engages in the provision of banking and financial services. It offers checking and savings accounts, deposits, mortgage loans, credit and debit cards, safe deposit boxes, automated teller machines, wire transfers, money market accounts, mobile banking, and wealth management services. The company was founded in March 2001 and is headquartered in Fresno, CA.
About UMB Financial
UMB Financial Corporation, a bank holding company, provides various banking and other financial services. It operates through two segments, Bank and Asset Servicing. The Bank segment offers a range of banking services to commercial, retail, government, and correspondent bank customers through its branches, call center, Internet banking, and ATM network. Its services comprise traditional commercial and consumer banking, treasury management, leasing, foreign exchange, merchant bankcard, wealth management, brokerage, insurance, capital markets, investment banking, corporate trust, and correspondent banking. The Asset Servicing segment provides services to the asset management industry, including a range of investment products, such as mutual funds, alternative investments, and managed accounts. Its services include fund administration, fund accounting, investor services, transfer agency, distribution, marketing, custody, alternative investment services, and collective and multiple-series trust services. The company operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
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