Critical Survey: Westamerica Bancorporation (NASDAQ:WABC) versus UniCredit (OTCMKTS:UNCRY)

Westamerica Bancorporation (NASDAQ:WABCGet Rating) and UniCredit (OTCMKTS:UNCRYGet Rating) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, earnings, dividends and risk.

Profitability

This table compares Westamerica Bancorporation and UniCredit’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Westamerica Bancorporation 45.73% 19.84% 1.70%
UniCredit N/A N/A N/A

Volatility & Risk

Westamerica Bancorporation has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 1.35, indicating that its stock price is 35% more volatile than the S&P 500.

Institutional and Insider Ownership

76.7% of Westamerica Bancorporation shares are owned by institutional investors. Comparatively, 0.0% of UniCredit shares are owned by institutional investors. 4.2% of Westamerica Bancorporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Westamerica Bancorporation and UniCredit’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Westamerica Bancorporation $266.88 million 5.56 $122.03 million $4.53 12.17
UniCredit $22.96 billion 1.98 $1.82 billion N/A N/A

UniCredit has higher revenue and earnings than Westamerica Bancorporation.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Westamerica Bancorporation and UniCredit, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Westamerica Bancorporation 0 0 1 0 3.00
UniCredit 1 0 9 0 2.80

Westamerica Bancorporation currently has a consensus target price of $69.00, indicating a potential upside of 25.18%. UniCredit has a consensus target price of $15.16, indicating a potential upside of 49.04%. Given UniCredit’s higher possible upside, analysts plainly believe UniCredit is more favorable than Westamerica Bancorporation.

Dividends

Westamerica Bancorporation pays an annual dividend of $1.68 per share and has a dividend yield of 3.0%. UniCredit pays an annual dividend of $0.18 per share and has a dividend yield of 1.8%. Westamerica Bancorporation pays out 37.1% of its earnings in the form of a dividend.

Summary

Westamerica Bancorporation beats UniCredit on 8 of the 14 factors compared between the two stocks.

About Westamerica Bancorporation

(Get Rating)

Westamerica Bancorporation operates as a bank holding company. It provides range of banking services to individual and corporate customers in Northern and Central California. It offers loans and lines of credit, online services, mobile banking, checking, savings, credit cards, cash management, overdraft services, merchant services, professional banking, bank owned property, preventing business loans, payroll services, and trust services. The company was founded in 1972 and is headquartered in San Rafael, CA.

About UniCredit

(Get Rating)

UniCredit SpA engages in the provision of banking and financial solutions. It operates through the following geographical segments: Italy, Germany, Central Europe (including Austria, Czech Republic and Slovakia, Hungary, Slovenia), Eastern Europe (including Bosnia and Herzegovina, Bulgaria, Croatia, Romania, Serbia, Russia). The company was founded in 1870 and is headquartered in Milan, Italy.

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