Financial Survey: University Bancorp (OTCMKTS:UNIB) and Hilltop (NYSE:HTH)

Hilltop (NYSE:HTHGet Free Report) and University Bancorp (OTCMKTS:UNIBGet Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, risk, dividends, valuation, analyst recommendations, earnings and institutional ownership.

Insider and Institutional Ownership

57.1% of Hilltop shares are owned by institutional investors. 28.9% of Hilltop shares are owned by insiders. Comparatively, 63.7% of University Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and price targets for Hilltop and University Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hilltop 0 2 0 0 2.00
University Bancorp 0 0 0 0 N/A

Hilltop currently has a consensus target price of $32.00, indicating a potential downside of 0.31%. Given Hilltop’s higher probable upside, equities research analysts plainly believe Hilltop is more favorable than University Bancorp.

Profitability

This table compares Hilltop and University Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hilltop 6.95% 5.24% 0.67%
University Bancorp N/A N/A N/A

Earnings and Valuation

This table compares Hilltop and University Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hilltop $1.57 billion 1.34 $109.65 million $1.71 18.77
University Bancorp N/A N/A N/A N/A N/A

Hilltop has higher revenue and earnings than University Bancorp.

Risk & Volatility

Hilltop has a beta of 1.1, indicating that its share price is 10% more volatile than the S&P 500. Comparatively, University Bancorp has a beta of 0.35, indicating that its share price is 65% less volatile than the S&P 500.

Summary

Hilltop beats University Bancorp on 7 of the 8 factors compared between the two stocks.

About Hilltop

(Get Free Report)

Hilltop Holdings Inc. provides business and consumer banking services. It operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It also provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is based in Dallas, Texas.

About University Bancorp

(Get Free Report)

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, 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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