WSFS Financial (NASDAQ:WSFS) vs. United Security Bancshares (NASDAQ:UBFO) Critical Analysis
WSFS Financial (NASDAQ:WSFS) and United Security Bancshares (NASDAQ:UBFO) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, valuation, dividends, risk, institutional ownership, analyst recommendations and profitability.
This is a summary of recent ratings and target prices for WSFS Financial and United Security Bancshares, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Security Bancshares||0||0||0||0||N/A|
Institutional & Insider Ownership
80.9% of WSFS Financial shares are held by institutional investors. Comparatively, 23.6% of United Security Bancshares shares are held by institutional investors. 2.4% of WSFS Financial shares are held by company insiders. Comparatively, 21.5% of United Security Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Earnings & Valuation
This table compares WSFS Financial and United Security Bancshares’ gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|WSFS Financial||$455.51 million||5.17||$134.74 million||$3.55||12.52|
|United Security Bancshares||$41.22 million||4.22||$14.02 million||N/A||N/A|
WSFS Financial has higher revenue and earnings than United Security Bancshares.
WSFS Financial pays an annual dividend of $0.48 per share and has a dividend yield of 1.1%. United Security Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 4.3%. WSFS Financial pays out 13.5% of its earnings in the form of a dividend.
Volatility & Risk
WSFS Financial has a beta of 1.09, suggesting that its stock price is 9% more volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500.
This table compares WSFS Financial and United Security Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Security Bancshares||33.99%||14.45%||1.68%|
WSFS Financial beats United Security Bancshares on 8 of the 14 factors compared between the two stocks.
About WSFS Financial
WSFS Financial Corporation operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB that provides various banking services in the United States. It operates through three segments: WSFS Bank, Cash Connect, and Wealth Management. The company offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as jumbo certificates of deposit. It also provides a range of loans, which comprise residential real estate loans; commercial real estate mortgage loans; commercial construction loans to developers; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion, and other business purposes; and consumer credit products, such as home improvement, automobile, and other secured and unsecured personal installment loans, as well as home equity lines and unsecured lines of credit. In addition, the company offers cash management, trust, and wealth management services. Further, it markets various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; provides investment advisory services to high net worth individuals and institutions; and offers mortgage and title services. Additionally, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering, armored carrier management, and ATM processing equipment sales, and deposit safe cash logistics services. As of March 1, 2019, it operated 76 offices, including 45 in Delaware, 29 in Pennsylvania, 1 in Virginia, and 1 in Nevada. WSFS Financial Corporation was founded in 1832 and is headquartered in Wilmington, Delaware.
About United Security Bancshares
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.
Receive News & Ratings for WSFS Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for WSFS Financial and related companies with MarketBeat.com's FREE daily email newsletter.