FUNC vs. HAFC, CAC, AROW, SMBK, SHBI, ALRS, GNTY, CARE, NEWT, and FISI
Should you be buying First United stock or one of its competitors? The main competitors of First United include Hanmi Financial (HAFC), Camden National (CAC), Arrow Financial (AROW), SmartFinancial (SMBK), Shore Bancshares (SHBI), Alerus Financial (ALRS), Guaranty Bancshares (GNTY), Carter Bankshares (CARE), NewtekOne (NEWT), and Financial Institutions (FISI). These companies are all part of the "national commercial banks" industry.
First United (NASDAQ:FUNC) and Hanmi Financial (NASDAQ:HAFC) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, valuation, dividends, profitability, institutional ownership, community ranking, media sentiment, earnings and analyst recommendations.
Hanmi Financial has a consensus price target of $20.33, indicating a potential downside of 0.86%. Given Hanmi Financial's higher probable upside, analysts clearly believe Hanmi Financial is more favorable than First United.
In the previous week, Hanmi Financial had 7 more articles in the media than First United. MarketBeat recorded 24 mentions for Hanmi Financial and 17 mentions for First United. First United's average media sentiment score of 0.87 beat Hanmi Financial's score of 0.46 indicating that First United is being referred to more favorably in the media.
Hanmi Financial received 190 more outperform votes than First United when rated by MarketBeat users. However, 65.07% of users gave First United an outperform vote while only 56.11% of users gave Hanmi Financial an outperform vote.
33.3% of First United shares are held by institutional investors. Comparatively, 88.7% of Hanmi Financial shares are held by institutional investors. 7.8% of First United shares are held by company insiders. Comparatively, 1.6% of Hanmi Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Hanmi Financial has a net margin of 15.84% compared to First United's net margin of 13.84%. First United's return on equity of 11.85% beat Hanmi Financial's return on equity.
Hanmi Financial has higher revenue and earnings than First United. Hanmi Financial is trading at a lower price-to-earnings ratio than First United, indicating that it is currently the more affordable of the two stocks.
First United pays an annual dividend of $0.80 per share and has a dividend yield of 2.9%. Hanmi Financial pays an annual dividend of $1.00 per share and has a dividend yield of 4.9%. First United pays out 37.2% of its earnings in the form of a dividend. Hanmi Financial pays out 41.7% 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.
First United has a beta of 0.79, meaning that its share price is 21% less volatile than the S&P 500. Comparatively, Hanmi Financial has a beta of 0.9, meaning that its share price is 10% less volatile than the S&P 500.
Summary
Hanmi Financial beats First United on 10 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding FUNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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