United Security Bancshares (NASDAQ:UBFO) and U.S. Bancorp (NYSE:USB) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, risk, profitability, valuation, dividends and earnings.
Risk and Volatility
United Security Bancshares has a beta of 0.41, indicating that its stock price is 59% less volatile than the S&P 500. Comparatively, U.S. Bancorp has a beta of 1.06, indicating that its stock price is 6% more volatile than the S&P 500.
Valuation & Earnings
This table compares United Security Bancshares and U.S. Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|United Security Bancshares||$41.22 million||4.39||$14.02 million||N/A||N/A|
|U.S. Bancorp||$25.78 billion||3.31||$7.10 billion||$4.10||13.07|
U.S. Bancorp has higher revenue and earnings than United Security Bancshares.
United Security Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 4.1%. U.S. Bancorp pays an annual dividend of $1.48 per share and has a dividend yield of 2.8%. U.S. Bancorp pays out 36.1% of its earnings in the form of a dividend. U.S. Bancorp has increased its dividend for 8 consecutive years.
This table compares United Security Bancshares and U.S. Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Security Bancshares||34.22%||13.74%||1.62%|
Institutional & Insider Ownership
24.4% of United Security Bancshares shares are held by institutional investors. Comparatively, 74.6% of U.S. Bancorp shares are held by institutional investors. 21.5% of United Security Bancshares shares are held by company insiders. Comparatively, 0.2% of U.S. Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
This is a summary of current ratings and recommmendations for United Security Bancshares and U.S. Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Security Bancshares||0||0||0||0||N/A|
U.S. Bancorp has a consensus target price of $58.06, suggesting a potential upside of 8.31%. Given U.S. Bancorp’s higher possible upside, analysts plainly believe U.S. Bancorp is more favorable than United Security Bancshares.
U.S. Bancorp beats United Security Bancshares on 9 of the 15 factors compared between the two stocks.
United Security Bancshares Company Profile
United Security Bancshares operates as the holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. Its loan portfolio comprises real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural and installment loans. The company also offers cashier's check, traveler's check, money order, foreign draft, online and mobile banking, safe deposit box, payroll direct deposit, and interactive teller and ATM services. As of January 23, 2019, it operated through 11 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Oakhurst, San Joaquin, and Taft, California. The company was founded in 1987 and is headquartered in Fresno, California.
U.S. Bancorp Company Profile
U.S. Bancorp, a financial services holding company, provides various financial services in the United States. It operates in five segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products, as well as credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as cash and investment management, ATM processing, mortgage banking, and brokerage and leasing services. The company offers its products and services through operating a network of 3,018 banking offices principally operating in the Midwest and West regions of the United States, as well as through online services and over mobile devices. It also operates a network of 4,681 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.
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