Comparison between Banner (NASDAQ:BANR) and University Bancorp (OTCMKTS:UNIB)


Banner (NASDAQ:BANR – Get Rating) and University Bancorp (OTCMKTS:UNIB – Get Rating) are both small cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.

Insider and Institutional Ownership

85.0% of Banner’s shares are held by institutional investors. 1.5% of Banner shares are held by insiders. By comparison, 63.7% of University Bancorp’s shares are held by insiders. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares the net margins, return on equity and return on assets of Banner and University Bancorp.

Net margins Return on equity return on assets
Banner 32.46% 12.47% 1.24%
Bancorp University N / A N / A N / A

Valuation and benefits

This table compares revenue, earnings per share (EPS), and valuation of Banner and University Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Banner $616.92 million 3.20 $201.05 million $5.71 10.05
Bancorp University N / A N / A N / A N / A N / A

Banner has higher revenue and profit than University Bancorp.

Analyst Notes

This is a breakdown of current ratings and target prices for Banner and University Bancorp, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Banner 0 2 0 1 2.67
Bancorp University 0 0 0 0 N / A

Banner currently has a consensus price target of $65.33, suggesting a potential upside of 13.90%. Given Banner’s likely higher upside, research analysts clearly believe that Banner is more favorable than University Bancorp.

Dividends

Banner pays an annual dividend of $1.76 per share and has a dividend yield of 3.1%. University Bancorp pays an annual dividend of $0.75 per share and has a dividend yield of 4.3%. Banner pays 30.8% of its profits as a dividend. Banner has increased its dividend for 1 consecutive years.

Risk and Volatility

Banner has a beta of 1.03, meaning its stock price is 3% more volatile than the S&P 500. Comparatively, University Bancorp has a beta of 0.47, meaning its stock price is 53% less volatile than the S&P 500.

Summary

Banner beats University Bancorp on 9 out of 12 factors compared between the two stocks.

Company profile banner (Get a rating)

Banner Corporation operates as a bank holding company for Banner Bank which provides commercial banking and financial products and services to individuals, businesses and public sector entities in the United States. It accepts various deposit instruments, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, regular savings accounts and certificates of deposit, as well as cash management services and savings plans. pension saving. The Company also offers commercial real estate loans, including real estate loans for homeowners, investment properties and multi-family residential properties; loans for construction, land and land development; residential mortgages; commercial business loans; agricultural loans; and consumer and other loans, such as home equity lines of credit, car, boat and recreational vehicle loans, and loans secured by deposit accounts. In addition, it is engaged in mortgage banking business through the origination and sale of one to four family and multi-family residential loans, as well as small business administration loans. Additionally, the company provides electronic and digital banking services. As of December 31, 2021, it operated 150 branches and 18 loan origination offices located in Washington, Oregon, California, Idaho and Utah. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington.

Company Profile University Bancorp (Get a rating)

University Bancorp, Inc. operates as a bank holding company for University Bank which provides various personal, commercial and community banking services in the United States. It offers checking, NOW, savings, money market, term deposit and certificate of deposit accounts. The Company’s consumer loans include home equity, short-term, auto, personal and recreational vehicle loans, as well as home equity lines of credit; and commercial real estate, equipment, small business and not-for-profit loans, and working capital lines of credit. In addition, the company offers a currency exchange service; online banking and bill payment; online replenishment checks; bank transfer; and courier services, as well as credit card and ATM services. In addition, it offers life, health, property and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.



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