United Security Bankshares (NASDAQ: UBFO – Get a rating) and ETFs (New York Stock Exchange: ETFs – Get a rating) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, dividends, earnings, profitability, institutional ownership, valuation and risk.
Risk and Volatility
United Security Bancshares has a beta of 0.72, suggesting its stock price is 28% less volatile than the S&P 500. Comparatively, ETF has a beta of 1.11, suggesting its stock price is 11% more volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and recommendations for United Security Bancshares and ETFs, as reported by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| United Security Bancshares | 0 | 0 | 0 | 0 | N / A |
| ETFs | 0 | 2 | 3 | 0 | 2.60 |
ETF has a consensus target price of $13.62, suggesting a potential upside of 12.26%. Given the likely higher upside of ETFs, analysts clearly think ETFs are more favorable than United Security Bancshares.
Insider and Institutional Ownership
37.0% of United Security Bancshares shares are held by institutional investors. Comparatively, 71.3% of the ETF’s shares are held by institutional investors. 20.4% of United Security Bancshares shares are held by insiders. By comparison, 0.9% of ETF shares are held by insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company is poised for long-term growth.
Profitability
This table compares the net margins, return on equity and return on assets of United Security Bancshares and ETFs.
| Net margins | Return on equity | return on assets | |
| United Security Bancshares | 26.16% | 9.45% | 0.86% |
| ETFs | 27.34% | 8.06% | 1.03% |
Valuation and benefits
This table compares United Security Bancshares and ETF revenue, earnings per share (EPS), and valuation.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| United Security Bancshares | $41.12 million | 3.23 | $10.10 million | $0.65 | 12.02 |
| ETFs | $1.34 billion | 3.19 | $405.00 million | $1.10 | 11.03 |
FNB has higher revenue and profit than United Security Bancshares. ETF trades at a lower price-to-earnings ratio than United Security Bancshares, indicating that it is currently the more affordable of the two stocks.
Dividends
United Security Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 5.6%. ETF pays an annual dividend of $0.48 per share and has a dividend yield of 4.0%. United Security Bancshares pays 67.7% of its profits as a dividend. The ETF pays out 43.6% of its earnings as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years.
Summary
FNB beats United Security Bancshares on 10 out of 15 factors compared between the two stocks.
United Security Bancshares Company Profile (Get a rating)
United Security Bancshares operates as a bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to businesses and the professional community, as well as individuals in California. The Company accepts a variety of deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable promissory withdrawal accounts, money market accounts and term deposit certificates. It also offers real estate, commercial and industrial mortgages, building construction and consumer loans, as well as agricultural, installment and student loans. In addition, the Company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier’s checks, cash management, travelers checks, money orders and services. foreign draft, as well as ATMs and ATM services. As of January 26, 2022, it operated 12 full-service branches in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin and Taft. The company was founded in 1987 and is based in Fresno, California.
ETF Company Profile (Get a rating)
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, businesses, governments and small and medium-sized businesses. The Company operates through three segments: Community Banking, Wealth Management and Insurance. It offers commercial banking solutions, including corporate and small business banking, real estate finance, corporate credit, capital market and lease finance services. The Company also provides consumer banking products and services, such as deposit products, mortgage and consumer loan services, as well as mobile and online banking; and wealth management services including personal and corporate trust services including the administration of estates of deceased persons and trusts; securities brokerage and investment advisory services, mutual funds and annuities; and commercial and personal insurance and reinsurance products, as well as mezzanine financing options for small and medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, DC and Virginia. FNB Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.
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