University Bancorp (OTCMKTS:UNIB) vs. Harleysville Savings Financial (OTCMKTS:HARL) Head-To-Head Survey

Dividends

University Bancorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.9%. Harleysville Savings Financial pays an annual dividend of $1.32 per share and has a dividend yield of 5.5%. Harleysville Savings Financial pays out 55.0% of its earnings in the form of a dividend.

Risk and Volatility

University Bancorp has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500. Comparatively, Harleysville Savings Financial has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500.

Valuation & Earnings

This table compares University Bancorp and Harleysville Savings Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
University Bancorp	$125.26 million	0.66	$10.47 million	N/A	N/A
Harleysville Savings Financial	$40.39 million	2.13	$2.05 million	$2.40	10.00

University Bancorp has higher revenue and earnings than Harleysville Savings Financial.

Institutional & Insider Ownership

1.2% of Harleysville Savings Financial shares are held by institutional investors. 63.7% of University Bancorp shares are held by company insiders. Comparatively, 14.5% of Harleysville Savings Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
University Bancorp	N/A	N/A	N/A
Harleysville Savings Financial	20.64%	9.93%	1.00%

Summary

Harleysville Savings Financial beats University Bancorp on 7 of the 11 factors compared between the two stocks.

About University Bancorp

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.

About Harleysville Savings Financial

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides various banking products and services in Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts, as well as certificates of deposits. It also provides consumer loans, including residential mortgages, savings account loans, and home equity line of credit, construction, and non-real estate consumer loans; and commercial loans, such as commercial mortgages, line of credit, and commercial business loans. In addition, the company offers online banking and bill payment, mobile and telephone banking, remote deposit, debit cards, automated clearing house processing, sweep accounts, zero balance accounts, employee services, and other cash management services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as offers investment products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Its primary market area includes Montgomery County and Bucks County. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. Harleysville Financial Corporation was founded in 1915 and is headquartered in Harleysville, Pennsylvania.