Oak Ridge Financial Services (OTCMKTS:BKOR) and UBS Group (NYSE:UBS) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.
Valuation and Earnings
This table compares Oak Ridge Financial Services and UBS Group’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Oak Ridge Financial Services||$20.16 million||1.97||$2.89 million||N/A||N/A|
|UBS Group||$43.95 billion||1.20||$1.07 billion||$1.07||12.83|
This is a summary of recent ratings and recommmendations for Oak Ridge Financial Services and UBS Group, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Oak Ridge Financial Services||0||0||0||0||N/A|
UBS Group pays an annual dividend of $0.69 per share and has a dividend yield of 5.0%. Oak Ridge Financial Services does not pay a dividend. UBS Group pays out 64.5% of its earnings in the form of a dividend.
Insider & Institutional Ownership
7.8% of Oak Ridge Financial Services shares are owned by institutional investors. Comparatively, 35.0% of UBS Group shares are owned by institutional investors. 25.6% of Oak Ridge Financial Services shares are owned by company insiders. Comparatively, 1.0% of UBS Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Risk & Volatility
Oak Ridge Financial Services has a beta of 0.36, meaning that its stock price is 64% less volatile than the S&P 500. Comparatively, UBS Group has a beta of 1.3, meaning that its stock price is 30% more volatile than the S&P 500.
This table compares Oak Ridge Financial Services and UBS Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Oak Ridge Financial Services||15.77%||N/A||N/A|
UBS Group beats Oak Ridge Financial Services on 9 of the 13 factors compared between the two stocks.
Oak Ridge Financial Services Company Profile
Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. The company accepts various deposit products, such as checking accounts, savings accounts; and provides home loans, refinancing, reverse mortgages, home equity loans, business term loans, and business lines of credit, as well as credit cards. It also offers overdrafts, investment products, cash management services, remote deposit capturing services; interactive teller machines; online, telephone, and mobile banking services; and E-Statements. In addition, the company provides insurance services, including personal, life, homeowners, personal umbrella, vacation home, condo/renters, automobile, motorcycle, watercraft, flood recreational vehicle, worker compensation, builder's risk, business property, commercial auto, liability, crime and employee theft, inland marine equipment, professional, and wealth protection insurance services. It operates through a network of branches in Greensboro, Summerfield, and Oak Ridge, North Carolina. The company was founded in 2000 and is based in Oak Ridge, North Carolina.
UBS Group Company Profile
UBS Group AG, together with its subsidiaries, provides financial advice and solutions worldwide. It operates through five divisions: Wealth Management, Wealth Management Americas, Personal & Corporate Banking, Asset Management, and Investment Bank. The Wealth Management division offers advisory and financial services to wealthy private clients. This segment provides banking and lending solutions, wealth planning, investment management solutions, and corporate finance advice. The Wealth Management Americas division offers wealth management solutions designed to address the needs of high and ultra high net worth clients. This division operates the United States and Canadian wealth management businesses; and international business booked in the United States. The Personal & Corporate Banking division provides financial products and services to private, corporate, and institutional clients in Switzerland. The Asset Management division offers investment management products and services comprising equities, asset allocation and currency investment strategies, hedge funds, fixed income products, real estate strategies, and infrastructure and private equity products; multi-manager hedge fund solutions and advisory services; and customized multi-asset solutions and advisory services. The Investment Bank division provides advisory, debt and equity capital market, and financing solutions, as well as risk management services, such as corporate lending and associated hedging for wealth management, personal and corporate banking, and asset management businesses serving the corporate, institutional, and wealth management clients. This division also offers cash, derivatives, and financing; foreign exchange, precious metals, rates, and credit; and securities research services. The company was formerly known as UBS AG and changed its name to UBS Group AG in December 2014. UBS Group AG was founded in 1862 and is headquartered in Zurich, Switzerland.
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