UBS Group (NYSE:UBS) and California First National Bancorp (OTCMKTS:CFNB) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, risk, dividends, valuation and profitability.
Volatility and Risk
UBS Group has a beta of 1.28, indicating that its stock price is 28% more volatile than the S&P 500. Comparatively, California First National Bancorp has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500.
This is a summary of recent ratings and target prices for UBS Group and California First National Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|California First National Bancorp||0||0||0||0||N/A|
Institutional and Insider Ownership
31.9% of UBS Group shares are held by institutional investors. Comparatively, 0.2% of California First National Bancorp shares are held by institutional investors. 1.0% of UBS Group shares are held by company insiders. Comparatively, 78.5% of California First National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
UBS Group pays an annual dividend of $0.69 per share and has a dividend yield of 5.0%. California First National Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.9%. UBS Group pays out 64.5% of its earnings in the form of a dividend.
This table compares UBS Group and California First National Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|California First National Bancorp||N/A||N/A||N/A|
Earnings & Valuation
This table compares UBS Group and California First National Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|UBS Group||$43.95 billion||1.21||$1.07 billion||$1.07||12.94|
|California First National Bancorp||$36.69 million||4.68||$11.12 million||N/A||N/A|
UBS Group has higher revenue and earnings than California First National Bancorp.
UBS Group beats California First National Bancorp on 9 of the 13 factors compared between the two stocks.
About UBS Group
UBS Group AG, together with its subsidiaries, provides financial advice and solutions worldwide. It operates through five divisions: Wealth Management, Wealth Management Americas, Personal & Corporate Banking, Asset Management, and Investment Bank. The Wealth Management division offers advisory and financial services to wealthy private clients. This segment provides banking and lending solutions, wealth planning, investment management solutions, and corporate finance advice. The Wealth Management Americas division offers wealth management solutions designed to address the needs of high and ultra high net worth clients. This division operates the United States and Canadian wealth management businesses; and international business booked in the United States. The Personal & Corporate Banking division provides financial products and services to private, corporate, and institutional clients in Switzerland. The Asset Management division offers investment management products and services comprising equities, asset allocation and currency investment strategies, hedge funds, fixed income products, real estate strategies, and infrastructure and private equity products; multi-manager hedge fund solutions and advisory services; and customized multi-asset solutions and advisory services. The Investment Bank division provides advisory, debt and equity capital market, and financing solutions, as well as risk management services, such as corporate lending and associated hedging for wealth management, personal and corporate banking, and asset management businesses serving the corporate, institutional, and wealth management clients. This division also offers cash, derivatives, and financing; foreign exchange, precious metals, rates, and credit; and securities research services. The company was formerly known as UBS AG and changed its name to UBS Group AG in December 2014. UBS Group AG was founded in 1862 and is headquartered in Zurich, Switzerland.
About California First National Bancorp
California First National Bancorp operates as the bank holding company for California First National Bank that provides banking services in the United States. The company accepts interest-bearing checking, money market, and savings accounts, as well as certificates of deposit and IRA deposit products. It also provides commercial loan products, including lines of credit, term loans, and commercial mortgages; and syndicated loans. In addition, the company, through its subsidiary, California First Leasing Corp., leases and finances capital assets used by businesses and organizations comprising computer systems and networks, automated warehouse distribution management systems, and manufacturing production systems; retail point-of-sale and inventory tracking systems; telecommunications systems, including wireless networks, voice over Internet protocol systems, and satellite tracking systems; and other equipment, as well as non-electronic properties, such as office equipment, mining equipment, machine tools, school buses, trucks, exercise equipment, and office and dormitory furniture. It serves corporations and middle-market companies, private and state-related educational institutions, municipalities, and other not-for-profit organizations and institutions. California First National Bancorp was founded in 1977 and is headquartered in Irvine, California.
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