United Security Bancshares (NASDAQ:UBFO) and Farmers Capital Bank (NASDAQ:FFKT) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, earnings, institutional ownership, valuation, dividends and profitability.
This is a breakdown of recent ratings and price targets for United Security Bancshares and Farmers Capital Bank, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Security Bancshares||0||0||0||0||N/A|
|Farmers Capital Bank||0||1||0||0||2.00|
United Security Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 4.2%. Farmers Capital Bank pays an annual dividend of $0.50 per share and has a dividend yield of 0.9%.
Valuation and Earnings
This table compares United Security Bancshares and Farmers Capital Bank’s gross 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||4.31||$14.02 million||N/A||N/A|
|Farmers Capital Bank||N/A||N/A||N/A||N/A||N/A|
United Security Bancshares has higher revenue and earnings than Farmers Capital Bank.
This table compares United Security Bancshares and Farmers Capital Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Security Bancshares||34.22%||13.87%||1.64%|
|Farmers Capital Bank||N/A||N/A||N/A|
Institutional & Insider Ownership
24.8% of United Security Bancshares shares are owned by institutional investors. Comparatively, 53.5% of Farmers Capital Bank shares are owned by institutional investors. 23.2% of United Security Bancshares shares are owned by insiders. Comparatively, 3.2% of Farmers Capital Bank shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
United Security Bancshares beats Farmers Capital Bank on 6 of the 8 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.
Farmers Capital Bank Company Profile
Farmers Capital Bank Corporation is a bank holding company headquartered in Frankfort, Kentucky. Their bank affiliate United Bank & Capital Trust Company operates 34 banking locations in 21 communities throughout Central and Northern Kentucky.
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