Head-To-Head Survey: People’s Utah Bancorp (PUB) and Westpac Banking Corporation (WBK)
People’s Utah Bancorp (NASDAQ: PUB) and Westpac Banking Corporation (NYSE:WBK) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, valuation, profitability, dividends, earnings, institutional ownership and risk.
Risk and Volatility
People’s Utah Bancorp has a beta of 1.05, suggesting that its stock price is 5% more volatile than the S&P 500. Comparatively, Westpac Banking Corporation has a beta of 1.29, suggesting that its stock price is 29% more volatile than the S&P 500.
This table compares People’s Utah Bancorp and Westpac Banking Corporation’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|People’s Utah Bancorp||27.79%||11.13%||1.53%|
|Westpac Banking Corporation||N/A||N/A||N/A|
Institutional & Insider Ownership
31.0% of People’s Utah Bancorp shares are owned by institutional investors. Comparatively, 0.6% of Westpac Banking Corporation shares are owned by institutional investors. 25.2% of People’s Utah Bancorp 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.
People’s Utah Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.1%. Westpac Banking Corporation pays an annual dividend of $1.38 per share and has a dividend yield of 5.4%. People’s Utah Bancorp pays out 25.5% of its earnings in the form of a dividend.
This is a breakdown of current ratings for People’s Utah Bancorp and Westpac Banking Corporation, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|People’s Utah Bancorp||0||0||0||0||N/A|
|Westpac Banking Corporation||0||2||3||0||2.60|
Valuation & Earnings
This table compares People’s Utah Bancorp and Westpac Banking Corporation’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|People’s Utah Bancorp||$88.36 million||6.47||$25.32 million||$1.41||22.59|
|Westpac Banking Corporation||$16.36 billion||5.25||N/A||N/A||N/A|
People’s Utah Bancorp has higher revenue, but lower earnings than Westpac Banking Corporation.
People’s Utah Bancorp beats Westpac Banking Corporation on 7 of the 12 factors compared between the two stocks.
People’s Utah Bancorp Company Profile
People’s Utah Bancorp is a bank holding company. As of December 31, 2016, the Company had 18 retail banking locations, two residential mortgage offices and other support facilities operated through its banking subsidiary, People’s Intermountain Bank (PIB or the Bank). The Company provides full-service retail banking in the state of Utah, including a range of banking and related services to locally owned businesses, professional firms, real-estate developers, residential home builders, high net-worth individuals, investors and other customers. It also provides a range of banking services and products to individuals. The Bank operates two divisions: Bank of American Fork (BAF), Lewiston State Bank (LSB) and GrowthFunding Equipment Finance. The Company provides banking services throughout its market area to real estate developers, contractors and small-to medium-sized businesses.
Westpac Banking Corporation Company Profile
Westpac Banking Corporation is a banking organization. The Company provides a range of banking and financial services in markets, including consumer, business and institutional banking and wealth management services. The Company is engaged in the provision of financial services, including lending, deposit taking, payments services, investment portfolio management and advice, superannuation and funds management, insurance services, leasing finance, general finance, interest rate risk management and foreign exchange services. The Company’s segments include Consumer Bank, Business Bank, BT Financial Group (BTFG), Westpac Institutional Bank (WIB) and Westpac New Zealand. The Company has branches throughout Australia, New Zealand, Asia and in the Pacific region. The Company through its division offers its services under various brands, such as Westpac, St.George, BankSA, Bank of Melbourne and RAMS brands.
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