Head-To-Head Comparison: Fulton Financial Corporation (FULT) vs. Wilshire Bancorp (WIBC)
Fulton Financial Corporation (NASDAQ: FULT) and Wilshire Bancorp (NASDAQ:WIBC) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.
Volatility & Risk
Fulton Financial Corporation has a beta of 1.17, suggesting that its stock price is 17% more volatile than the S&P 500. Comparatively, Wilshire Bancorp has a beta of 1.51, suggesting that its stock price is 51% more volatile than the S&P 500.
Valuation & Earnings
This table compares Fulton Financial Corporation and Wilshire Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Fulton Financial Corporation||$713.65 million||4.53||$180.19 million||$1.03||17.96|
Fulton Financial Corporation has higher revenue and earnings than Wilshire Bancorp. Wilshire Bancorp is trading at a lower price-to-earnings ratio than Fulton Financial Corporation, indicating that it is currently the more affordable of the two stocks.
This is a summary of current ratings for Fulton Financial Corporation and Wilshire Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Fulton Financial Corporation||1||6||0||0||1.86|
Fulton Financial Corporation currently has a consensus price target of $18.40, indicating a potential downside of 0.54%. Given Fulton Financial Corporation’s higher possible upside, equities analysts clearly believe Fulton Financial Corporation is more favorable than Wilshire Bancorp.
Fulton Financial Corporation pays an annual dividend of $0.44 per share and has a dividend yield of 2.4%. Wilshire Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 2.2%. Fulton Financial Corporation pays out 42.7% of its earnings in the form of a dividend. Wilshire Bancorp pays out 32.4% 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.
Institutional and Insider Ownership
63.0% of Fulton Financial Corporation shares are owned by institutional investors. 0.7% of Fulton Financial Corporation shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
This table compares Fulton Financial Corporation and Wilshire Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Fulton Financial Corporation||21.15%||8.28%||0.92%|
Fulton Financial Corporation beats Wilshire Bancorp on 6 of the 11 factors compared between the two stocks.
Fulton Financial Corporation Company Profile
Fulton Financial Corporation is a financial holding company. The Company is the bank holding company of Fulton Bank N.A. (the Bank). As of December 31, 2016, the Company’s six subsidiary banks were located primarily in suburban or semi-rural geographic markets throughout a five-state region (Pennsylvania, Delaware, Maryland, New Jersey and Virginia). Each of the Company’s subsidiary banks offers a range of consumer and commercial banking products and services in its local market area. Personal banking services include various checking account and savings deposit products, certificates of deposit and individual retirement accounts. The subsidiary banks offer a range of consumer lending products to creditworthy customers in their market areas. Commercial banking services are provided to small and medium sized businesses. It also offers investment management, trust, brokerage, insurance and investment advisory services to consumer and commercial banking customers in its market areas.
Wilshire Bancorp Company Profile
Wilshire Bancorp, Inc. (Wilshire) is a bank holding company, which offers a range of financial products and services primarily through its subsidiary, Wilshire Bank (the Bank), a California state-chartered commercial bank. The Bank has over 35 full-service branch offices in Southern California, Texas, Alabama, Georgia, New Jersey and the greater New York City metropolitan area. It also has approximately six loan production offices (LPOs) of which over four are utilized primarily for the origination of loans under the small business administration (SBA) lending program located in California, Colorado, Georgia and Washington, and approximately two are utilized primarily for the origination of residential mortgage loans located in Southern California. The Company has approximately $3.84 billion in total loans (net of deferred fees and including loans held-for-sale) and over $3.84 billion in deposits.
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