Analyzing Clarkston Financial (CKFC) and United Security Bancshares (UBFO)
Clarkston Financial (OTCMKTS:CKFC) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, dividends, valuation and analyst recommendations.
This is a breakdown of recent ratings for Clarkston 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|
Valuation & Earnings
This table compares Clarkston Financial and United Security Bancshares’ gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Clarkston Financial||$8.43 million||2.78||$170,000.00||N/A||N/A|
|United Security Bancshares||$37.24 million||4.46||$8.63 million||N/A||N/A|
United Security Bancshares has higher revenue and earnings than Clarkston Financial.
This table compares Clarkston 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||29.64%||12.17%||1.47%|
Institutional & Insider Ownership
25.1% of United Security Bancshares shares are owned by institutional investors. 35.8% of Clarkston Financial shares are owned by company insiders. Comparatively, 23.2% of United Security Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
United Security Bancshares pays an annual dividend of $0.40 per share and has a dividend yield of 4.1%. Clarkston Financial does not pay a dividend.
Risk and Volatility
Clarkston Financial has a beta of -0.2, suggesting that its share price is 120% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.2, suggesting that its share price is 80% less volatile than the S&P 500.
United Security Bancshares beats Clarkston Financial on 10 of the 11 factors compared between the two stocks.
Clarkston Financial Company Profile
Clarkston Financial Corporation operates as a bank holding company for Clarkston State Bank, provides a range of banking products to retail and commercial customers in Michigan. The company offers checking, savings, money market, time deposit, and demand deposit accounts, as well as CDs and IRAs; commercial loan products, such as commercial real estate loans, small business administration loans, construction loans, equipment/fixed asset acquisition loans, lines of credit, letters of credit, and working capital and term loans; and consumer loan products, including auto loans, boat loans, motorcycle and RV loans, home equity lines of credit, and home equity loans, as well as credit cards. It also provides overdraft protection, cash management, and credit card merchant processing services; safe deposit boxes and sweep accounts; and check imaging, telephone banking, mobile banking, online banking, and wire transfer, and automated transaction machine services. The company operates through two full service branches. Clarkston Financial Corporation was founded in 1998 and is based in Waterford, Michigan.
United Security Bancshares Company Profile
United Security Bancshares (California) is a holding company, which engages in the provision of banking and financial services. It offers checking and savings accounts, deposits, mortgage loans, credit and debit cards, safe deposit boxes, automated teller machines, wire transfers, money market accounts, mobile banking, and wealth management services. The company was founded in March 2001 and is headquartered in Fresno, CA.
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