CVB Financial (NASDAQ:CVBF – Get Free Report) and United Security Bancshares (NASDAQ:UBFO – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, valuation, profitability, analyst recommendations, earnings, institutional ownership and dividends.
Earnings & Valuation
This table compares CVB Financial and United Security Bancshares”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CVB Financial | $648.47 million | 4.35 | $209.30 million | $1.50 | 13.84 |
| United Security Bancshares | $53.51 million | 3.39 | $12.29 million | $0.71 | 14.80 |
Dividends
CVB Financial pays an annual dividend of $0.80 per share and has a dividend yield of 3.9%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. CVB Financial pays out 53.3% of its earnings in the form of a dividend. United Security Bancshares pays out 67.6% 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. United Security Bancshares has increased its dividend for 2 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Analyst Ratings
This is a summary of recent ratings and recommmendations for CVB Financial and United Security Bancshares, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CVB Financial | 0 | 1 | 3 | 0 | 2.75 |
| United Security Bancshares | 0 | 0 | 1 | 0 | 3.00 |
CVB Financial currently has a consensus price target of $24.17, suggesting a potential upside of 16.41%. Given CVB Financial’s higher probable upside, research analysts clearly believe CVB Financial is more favorable than United Security Bancshares.
Risk & Volatility
CVB Financial has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.34, suggesting that its share price is 66% less volatile than the S&P 500.
Institutional & Insider Ownership
74.2% of CVB Financial shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 6.4% of CVB Financial shares are held by company insiders. Comparatively, 22.1% of United Security Bancshares shares are held 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.
Profitability
This table compares CVB Financial and United Security Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CVB Financial | 32.28% | 9.25% | 1.35% |
| United Security Bancshares | 18.65% | 9.03% | 1.01% |
Summary
CVB Financial beats United Security Bancshares on 12 of the 17 factors compared between the two stocks.
About CVB Financial
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
About United Security Bancshares
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, and foreign draft services, as well as interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.
Receive News & Ratings for CVB Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for CVB Financial and related companies with MarketBeat.com's FREE daily email newsletter.
