Columbia Banking System (NASDAQ:COLB – Get Rating) and Univest Financial (NASDAQ:UVSP – Get Rating) are both finance companies, but which company is better? We’ll compare the two companies based on their dividend strength, analyst recommendations, risk, valuation, profitability, institutional ownership and earnings.
Columbia Banking System pays an annual dividend of $1.20 per share and has a dividend yield of 4.2%. Univest Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.3%. Columbia Banking System pays 42.9% of its profits as a dividend. Univest Financial pays 31.2% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Univest Financial has increased its dividend for 1 consecutive years.
This table compares the net margins, return on equity, and return on assets of Columbia Banking System and Univest Financial.
|Net margins||Return on equity||return on assets|
|Colombian banking system||31.91%||9.30%||1.14%|
Benefits and evaluation
This chart compares the gross revenue, earnings per share, and valuation of Columbia Banking System and Univest Financial.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Colombian banking system||$630.16 million||3.58||$202.82 million||$2.80||10.24|
|Univest Financial||$292.95 million||2.60||$91.80 million||$2.69||9.56|
Columbia Banking System has higher revenue and profit than Univest Financial. Univest Financial trades at a lower price-to-earnings ratio than Columbia Banking System, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
94.4% of Columbia Banking System shares are held by institutional investors. By comparison, 72.2% of Univest Financial’s shares are held by institutional investors. 0.6% of Columbia Banking System stock is held by insiders of the company. By comparison, 2.2% of Univest Financial’s stock is held by company insiders. Strong institutional ownership is an indication that endowments, large fund managers, and hedge funds believe a company will outperform the market over the long term.
Volatility and risk
Columbia Banking System has a beta of 0.68, indicating that its stock price is 32% less volatile than the S&P 500. In comparison, Univest Financial has a beta of 0.97, indicating that its stock price stock is 3% less volatile than the S&P 500.
This is a breakdown of the current ratings of Columbia Banking System and Univest Financial, as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Colombian banking system||0||3||2||0||2.40|
Columbia Banking System currently has a consensus target price of $35.60, indicating a potential upside of 24.17%. Univest Financial has a consensus target price of $34.00, indicating an upside potential of 32.19%. Given Univest Financial’s stronger consensus rating and higher likely upside, analysts clearly believe that Univest Financial is more favorable than Columbia Banking System.
Columbia Banking System beats Univest Financial on 9 out of 17 factors compared between the two stocks.
Columbia Banking System Company Profile (Get a rating)
Columbia Banking System, Inc. operates as a bank holding company for Columbia State Bank which provides a range of banking services to small and medium-sized businesses, professionals and individuals in the United States. It offers personal banking products and services, including interest-free and interest-bearing checks, savings accounts, money market and certificates of deposit; home mortgages for purchases and refinances, home equity loans and lines of credit and other personal loans; debit and credit cards; and digital banking. The Company also provides business banking products and services, such as checking, savings, interest-bearing money market and certificate of deposit accounts; agricultural, asset-based, builder, and other commercial real estate loans, as well as loans guaranteed by the Small Business Administration; and professional banking, cash management, merchant card and international banking. In addition, it offers wealth management solutions that include financial planning services, such as asset allocation, net worth analysis, estate planning and preservation, education funding and transfer of assets; long-term care and life and disability insurance solutions; individual retirement solutions including retirement planning, retirement income strategies and traditional and Roth individual retirement accounts; and business solutions, which include corporate pension plans, key person insurance, corporate succession planning and deferred compensation plans for individuals, families and professional businesses. In addition, the company provides trust, investment and administrative trust services, such as personal and special needs trusts, estate settlement, investment agency and charitable organization management. It operates a network of 153 branches, including 68 in Washington State, 59 in Oregon, 15 in Idaho and 11 in California. The company was founded in 1993 and is headquartered in Tacoma, Washington.
Univest Financial Company Profile (Get a rating)
Univest Financial Corporation operates as a bank holding company for Univest Bank and Trust Co. which provides banking products and services primarily in Pennsylvania. It operates through three segments: Banking, Wealth Management and Insurance. The Banking segment provides a range of banking services, such as taking deposits, making and servicing loans, mortgage banking services, other general banking services and equipment rental financing services for individuals , businesses, municipalities and non-profit organizations. The Wealth Management segment provides investment advisory, financial planning, trust and brokerage services for families and individuals, municipal pension plans, retirement plans, trusts and guardianships. The Insurance segment provides commercial property and casualty insurance, employee benefit solutions, personal insurance lines and human resource consulting services. It serves customers primarily in Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York counties in Pennsylvania; and Atlantic, Burlington and Cape May counties in New Jersey through 37 banking offices. The company was previously known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
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