Financial Contrast: BBVA Banco Frances (BFR) versus United Bankshares (UBSI)
BBVA Banco Frances (NYSE: BFR) and United Bankshares (NASDAQ:UBSI) are both mid-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, dividends, institutional ownership, risk, profitability, analyst recommendations and valuation.
BBVA Banco Frances pays an annual dividend of $0.25 per share and has a dividend yield of 1.1%. United Bankshares pays an annual dividend of $1.32 per share and has a dividend yield of 3.7%. United Bankshares pays out 69.5% of its earnings in the form of a dividend.
Valuation and Earnings
This table compares BBVA Banco Frances and United Bankshares’ revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|BBVA Banco Frances||$846.81 million||4.66||N/A||N/A||N/A|
|United Bankshares||$537.56 million||7.02||$199.42 million||$1.90||18.92|
United Bankshares has higher revenue, but lower earnings than BBVA Banco Frances.
This table compares BBVA Banco Frances and United Bankshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|BBVA Banco Frances||N/A||16.92%||1.76%|
This is a summary of current recommendations and price targets for BBVA Banco Frances and United Bankshares, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|BBVA Banco Frances||0||0||2||0||3.00|
BBVA Banco Frances currently has a consensus price target of $23.00, indicating a potential upside of 4.36%. United Bankshares has a consensus price target of $42.50, indicating a potential upside of 18.22%. Given United Bankshares’ higher possible upside, analysts clearly believe United Bankshares is more favorable than BBVA Banco Frances.
Institutional & Insider Ownership
5.7% of BBVA Banco Frances shares are held by institutional investors. Comparatively, 62.2% of United Bankshares shares are held by institutional investors. 6.2% of United Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Volatility & Risk
BBVA Banco Frances has a beta of 0.57, suggesting that its share price is 43% less volatile than the S&P 500. Comparatively, United Bankshares has a beta of 1.04, suggesting that its share price is 4% more volatile than the S&P 500.
United Bankshares beats BBVA Banco Frances on 8 of the 14 factors compared between the two stocks.
BBVA Banco Frances Company Profile
BBVA Banco Frances S.A. (the Bank) is a provider of financial services to large corporations, small and medium-size companies (SMEs), as well as individual customers. The Bank is focused on the financial sector, through its activities related to banking/financial, pension fund manager and insurance. The Bank has all its operations, property and customers located in Argentina. As part of its business, the Bank conducts capital markets and securities operations directly in the over-the-counter market and indirectly in Bolsa de Comercio de Buenos Aires (BCBA). Its corporate banking is divided by industry, such as consumer, heavy industries and energy. The Bank’s business lines include Retail Banking, Enterprise Banking, and Corporate and Investment Banking. Enterprise Banking offers both short- and long-term financing. The Corporate and Investment Banking business line is concerned with foreign trade transactions, and advice in mergers and acquisitions and in capital market transactions.
United Bankshares Company Profile
United Bankshares, Inc. (United) is a bank holding company. The Company operates through community banking segment. United’s Banking Subsidiaries offer a range of commercial and retail banking services and products. United, through its subsidiaries, engages in community banking and offers banking products and services permitted by law and regulation. Included among the banking services offered are the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, floor plan and student loans, and the making of construction and real estate loans. Also offered are individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of its lending function, the Banking Subsidiaries offer credit card services. The Company’s loan portfolio consists of commercial, real estate and consumer loans, including credit card and home equity loans.
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