Cullen/Frost Bankers（纽约证券交易所代码：CFR）与联合银行（纳斯达克股票代码：UBOH）的财务对比

Cullen/Frost Bankers (NYSE:CFR – Get Rating) and United Bancshares (NASDAQ:UBOH – Get Rating) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, dividends, institutional ownership, risk, profitability, analyst recommendations and valuation.

Profitability

This table compares Cullen/Frost Bankers and United Bancshares' net margins, return on equity and return on assets.

Valuation and Earnings

This table compares Cullen/Frost Bankers and United Bancshares' revenue, earnings per share (EPS) and valuation.

Cullen/Frost Bankers has higher revenue and earnings than United Bancshares. United Bancshares is trading at a lower price-to-earnings ratio than Cullen/Frost Bankers, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

81.9% of Cullen/Frost Bankers shares are held by institutional investors. Comparatively, 1.3% of United Bancshares shares are held by institutional investors. 3.8% of Cullen/Frost Bankers shares are held by insiders. Comparatively, 6.6% of United Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Dividends

Cullen/Frost Bankers pays an annual dividend of $3.48 per share and has a dividend yield of 2.7%. United Bancshares pays an annual dividend of $0.84 per share and has a dividend yield of 4.1%. Cullen/Frost Bankers pays out 39.5% of its earnings in the form of a dividend. United Bancshares pays out 24.3% 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. Cullen/Frost Bankers has raised its dividend for 29 consecutive years and United Bancshares has raised its dividend for 1 consecutive years. United Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Analyst Recommendations

This is a summary of current recommendations and price targets for Cullen/Frost Bankers and United Bancshares, as provided by MarketBeat.

Cullen/Frost Bankers currently has a consensus price target of $148.54, indicating a potential upside of 13.13%. Given Cullen/Frost Bankers' higher possible upside, research analysts clearly believe Cullen/Frost Bankers is more favorable than United Bancshares.

Volatility & Risk

Cullen/Frost Bankers has a beta of 1.07, suggesting that its share price is 7% more volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Summary

Cullen/Frost Bankers beats United Bancshares on 13 of the 16 factors compared between the two stocks.

About Cullen/Frost Bankers

(Get Rating)

Cullen/Frost Bankers, Inc. operates as a bank holding company of Frost Bank, which engages in the provision of commercial and consumer banking services. It operates through the following segments: Banking and Frost Wealth Advisors. The Banking operating segment includes both commercial and consumer banking services and Frost Insurance Agency. Commercial banking services are provided to corporations and other business clients and include a wide array of lending and cash management products. Consumer banking services include direct lending and depository services. Frost Insurance Agency provides insurance brokerage services to individuals and businesses covering corporate and personal property and casualty products, as well as group health and life insurance products and human resources consulting services. The Frost Wealth Advisors segment includes fee-based services within private trust, retirement services, and financial management services. The company was founded by Thomas Claiborne Frost in 1868 and is headquartered in San Antonio, TX.

About United Bancshares

(Get Rating)

United Bancshares, Inc. is a financial holding company, which operates through its wholly owned subsidiary Union Bank Co. It engages in banking and financial solutions and focuses on commercial banking industry. The firm offers checking, savings and money market, loans, credit cards, merchant services, treasury management, and online banking. The company was founded in 1904 and is headquartered in Columbus Grove, OH.

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