Univest Co. of Pennsylvania (NASDAQ: UVSP) and Great Southern Bancorp (NASDAQ:GSBC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.
Risk and Volatility
Univest Co. of Pennsylvania has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500. Comparatively, Great Southern Bancorp has a beta of 1, indicating that its stock price has a similar volatility profile to the S&P 500.
Earnings & Valuation
This table compares Univest Co. of Pennsylvania and Great Southern Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Univest Co. of Pennsylvania||$222.26 million||3.64||$44.09 million||$1.68||16.40|
|Great Southern Bancorp||$221.59 million||3.15||$51.56 million||$3.68||13.45|
Great Southern Bancorp has lower revenue, but higher earnings than Univest Co. of Pennsylvania. Great Southern 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.
Institutional & Insider Ownership
66.9% of Univest Co. of Pennsylvania shares are owned by institutional investors. Comparatively, 40.8% of Great Southern Bancorp shares are owned by institutional investors. 2.8% of Univest Co. of Pennsylvania shares are owned by insiders. Comparatively, 23.8% of Great Southern Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
This is a summary of current ratings and recommmendations for Univest Co. of Pennsylvania and Great Southern Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Univest Co. of Pennsylvania||0||2||1||0||2.33|
|Great Southern Bancorp||0||2||0||0||2.00|
Univest Co. of Pennsylvania presently has a consensus price target of $33.33, suggesting a potential upside of 20.99%. Great Southern Bancorp has a consensus price target of $55.00, suggesting a potential upside of 11.11%. Given Univest Co. of Pennsylvania’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Univest Co. of Pennsylvania is more favorable than Great Southern Bancorp.
Univest Co. of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.9%. Great Southern Bancorp pays an annual dividend of $0.96 per share and has a dividend yield of 1.9%. Univest Co. of Pennsylvania pays out 47.6% of its earnings in the form of a dividend. Great Southern Bancorp pays out 26.1% 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.
This table compares Univest Co. of Pennsylvania and Great Southern Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Univest Co. of Pennsylvania||19.84%||8.35%||1.02%|
|Great Southern Bancorp||23.27%||11.38%||1.17%|
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.
About Great Southern Bancorp
Great Southern Bancorp, Inc. is a bank holding company, a financial holding company and the parent of Great Southern Bank (the Bank). Through the Bank and subsidiaries of the Bank, the Company offers insurance, travel, investment and related services. The Bank makes long-term, fixed-rate residential real estate loans. It also originates commercial real estate and other residential loans, primarily with adjustable rates or shorter-term fixed rates, and commercial business and consumer loans, primarily in indirect automobile lending. The Company’s investment portfolio consists of mortgage-backed securities, and states and political subdivisions. As of December 31, 2016, the Bank offered a range of banking services through its 104 banking centers located in southern and central Missouri; the Kansas City, Missouri area; the St. Louis, Missouri area; eastern Kansas; northwestern Arkansas; eastern Nebraska, the Minneapolis, Minnesota area, and eastern, western and central Iowa.
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