United Security Bancshares (NASDAQ:UBFO) and Intesa Sanpaolo (OTCMKTS:ISNPY) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, dividends, valuation and earnings.
Valuation and Earnings
This table compares United Security Bancshares and Intesa Sanpaolo’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|United Security Bancshares||$46.46 million||3.05||$15.17 million||N/A||N/A|
|Intesa Sanpaolo||$52.10 billion||1.05||$4.66 billion||N/A||N/A|
Intesa Sanpaolo has higher revenue and earnings than United Security Bancshares.
This is a summary of recent ratings for United Security Bancshares and Intesa Sanpaolo, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Security Bancshares||0||0||0||0||N/A|
Volatility and Risk
United Security Bancshares has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500. Comparatively, Intesa Sanpaolo has a beta of 1.44, meaning that its share price is 44% more volatile than the S&P 500.
Insider & Institutional Ownership
24.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 0.9% of Intesa Sanpaolo shares are held by institutional investors. 21.8% 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 company is poised for long-term growth.
This table compares United Security Bancshares and Intesa Sanpaolo’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Security Bancshares||24.63%||8.47%||0.97%|
United Security Bancshares beats Intesa Sanpaolo on 6 of the 10 factors compared between the two stocks.
United Security Bancshares Company Profile
United Security Bancshares operates as the bank 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. It also offers real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company provides online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 27, 2021, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.
Intesa Sanpaolo Company Profile
Intesa Sanpaolo S.p.A. provides various banking products and services. It operates through Banca dei Territori, Corporate and Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance segments. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services. It also provides consumer credit, e-money, and payment systems; wealth management and private banking services. The company serves individuals, small and medium-sized businesses, non-profit entities, corporates and financial institutions, private clients and high net worth individuals, institutional counterparties, and other customers. As of December 31, 2019, it operated through a network of approximately 3,752 branches in Italy and 1,047 branches in Central Eastern Europe, and the Middle Eastern and North African areas. The company is headquartered in Turin, Italy.