Umpqua (NASDAQ:UMPQ) and Carver Bancorp (NASDAQ:CARV) Critical Contrast


umpqua (NASDAQ:UMPQreceived rating) and Carver Bancorp (NASDAQ: CARVreceived rating) are both financial companies, but which is the parent company? We’ll compare the two companies based on the strength of their analyst ratings, dividends, valuations, risk, earnings, profitability, and institutional ownership.

Insider and Institutional Property

87.6% of Umpqua shares are owned by institutional investors. By comparison, 21.3% of Carver Bancorp’s stock is owned by institutional investors. 0.6% of Umpqua shares are owned by company insiders. By comparison, 1.4% of Carver Bancorp’s stock is owned by company 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.

Volatility & Risk

Umpqua has a beta of 1.02, suggesting its stock price is 2% more volatile than the S&P 500. In comparison, Carver Bancorp has a beta of 0.94, suggesting its stock price is 6% less volatile than the S&P 500.

evaluation and result

This table compares the gross sales, earnings per share (EPS) and valuation of Umpqua and Carver Bancorp.

gross receipts price/sales ratio net income earnings per share price-earnings ratio
umpqua $1.32 billion 2.80 $420.30 million $1.85 9.20
Schnitzer Bancorp $26.50 million 0.83 -$3.90 million N / A N / A

Umpqua has higher revenues and profits than Carver Bancorp.

profitability

This table compares the net margins, return on equity, and return on assets of Umpqua and Carver Bancorp.

net margins return on equity return on investment
umpqua 31.34% 14.89% 1.32%
Schnitzer Bancorp -6.43% -6.91% -0.28%

Analyst Ratings

This is a summary of the most recent ratings and recommendations for Umpqua and Carver Bancorp as reported by MarketBeat.

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
umpqua 0 5 0 0 2.00
Schnitzer Bancorp 0 0 0 0 N / A

Umpqua currently has a consensus price target of $19.88, which suggests a potential upside of 16.77%. Given Umpqua’s more likely upside potential, research analysts clearly believe Umpqua is cheaper than Carver Bancorp.

summary

Umpqua beats Carver Bancorp on 9 of the 10 factors compared between the two stocks.

Umpqua Company Profile (received rating)

Umpqua Holdings Corporation acts as the holding company of Umpqua Bank, which provides business and retail banking services. It operates in two segments: Core Banking and Mortgage Banking. The Company offers deposit products including checks bearing no interest, checks bearing interest and savings, money market accounts and certificates of deposit. It also offers loans for corporate and business customers, such as B. Accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leasing, international trade finance, home construction loans, permanent finance and small business program finance as capital markets and treasury management products. In addition, the company offers credit products such as commercial and industrial loans; residential real estate loans for the construction, purchase and refinancing of homes and rentals; and consumer lending, which includes secured and unsecured personal loans, home equity and personal lines of credit, and auto loans. In addition, it offers financial planning solutions; and online and mobile banking services. The company serves high net worth individuals and families, select non-profit organizations and professional services firms. As of December 31, 2021, it conducted commercial and retail operations in 234 locations, including 202 branch locations in Oregon, Washington, California, Idaho and Nevada; and operated 28 facilities for administrative and other functions, such as B. Back Office Support, two of which are owned and 26 are leased. The company was founded in 1953 and is headquartered in Portland, Oregon.

Carver Bancorp company profile (received rating)

Carver Bancorp, Inc. functions as the holding company of Carver Federal Savings Bank, which provides consumer and commercial banking services to consumers, businesses, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products including sight, savings and time deposits; savings and statement accounts and certificates of deposit; and individual retirement accounts. The company also offers lending products such as single- to four-family homes, multi-family properties and commercial real estate; and construction, business and small business administration, and consumer and other credit. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill payment and phone banking, as well as check cashing, wire transfer, bill payment, rechargeable prepaid card and money order services. The company operates from an administrative office, seven branches and four ATMs. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.



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