Critical Review: Wilshire Bancorp (WIBC) and Univest Co. of Pennsylvania (UVSP)
Wilshire Bancorp (NASDAQ: WIBC) and Univest Co. of Pennsylvania (NASDAQ:UVSP) are both financials companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, valuation, profitability and risk.
Wilshire Bancorp pays an annual dividend of $0.24 per share. Univest Co. of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. Wilshire Bancorp pays out 32.9% of its earnings in the form of a dividend. Univest Co. of Pennsylvania pays out 52.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Earnings & Valuation
This table compares Wilshire Bancorp and Univest Co. of Pennsylvania’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Univest Co. of Pennsylvania||$182.57 million||4.52||$19.50 million||$1.53||18.59|
Univest Co. of Pennsylvania has higher revenue and earnings than Wilshire Bancorp. Wilshire Bancorp is trading at a lower price-to-earnings ratio than Univest Co. of Pennsylvania, indicating that it is currently the more affordable of the two stocks.
This is a summary of recent recommendations and price targets for Wilshire Bancorp and Univest Co. of Pennsylvania, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Univest Co. of Pennsylvania||0||2||1||0||2.33|
Univest Co. of Pennsylvania has a consensus price target of $32.67, indicating a potential upside of 14.82%.
This table compares Wilshire Bancorp and Univest Co. of Pennsylvania’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Univest Co. of Pennsylvania||18.71%||8.35%||0.99%|
Institutional & Insider Ownership
65.2% of Univest Co. of Pennsylvania shares are held by institutional investors. 3.6% of Univest Co. of Pennsylvania shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Univest Co. of Pennsylvania beats Wilshire Bancorp on 6 of the 10 factors compared between the two stocks.
About Wilshire Bancorp
Wilshire Bancorp, Inc. (Wilshire) is a bank holding company, which offers a range of financial products and services primarily through its subsidiary, Wilshire Bank (the Bank), a California state-chartered commercial bank. The Bank has over 35 full-service branch offices in Southern California, Texas, Alabama, Georgia, New Jersey and the greater New York City metropolitan area. It also has approximately six loan production offices (LPOs) of which over four are utilized primarily for the origination of loans under the small business administration (SBA) lending program located in California, Colorado, Georgia and Washington, and approximately two are utilized primarily for the origination of residential mortgage loans located in Southern California. The Company has approximately $3.84 billion in total loans (net of deferred fees and including loans held-for-sale) and over $3.84 billion in deposits.
About Univest Co. of Pennsylvania
Univest Corporation of Pennsylvania is the bank holding company of Univest Bank and Trust Co. (the Bank). The Bank is a Pennsylvania state-chartered bank and trust company. The Company’s business segments include Banking, Wealth Management and Insurance. The Banking segment provides financial services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking services and equipment lease financing. The Wealth Management segment offers trust and investment advisory services, guardian and custodian of employee benefits and other trust and brokerage services, as well as a registered investment advisory managing private investment accounts for both individuals and institutions. The Insurance segment includes a full-service insurance brokerage agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions, personal insurance lines and human resources consulting.
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