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

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Umpqua (NASDAQ: UMPQGet a rating) and Carver Bancorp (NASDAQ: CARVGet a rating) are both finance companies, but which company is superior? We will compare the two companies based on the strength of their analyst recommendations, dividends, valuation, risk, earnings, profitability and institutional ownership.

Insider and Institutional Ownership

87.6% of Umpqua’s shares are held by institutional investors. By comparison, 21.3% of Carver Bancorp’s shares are held by institutional investors. 0.6% of Umpqua shares are held by company insiders. By comparison, 1.4% of Carver Bancorp’s shares are held by insiders of the company. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a stock will outperform the market over the long term.

Volatility and risk

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

Valuation and benefits

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

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Umpqua $1.32 billion 2.80 $420.30 million $1.85 9:20 a.m.
Carver Bancorp $26.50 million 0.83 -3.90 million dollars 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 assets
Umpqua 31.34% 14.89% 1.32%
Carver Bancorp -6.43% -6.91% -0.28%

Analyst Notes

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

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Umpqua 0 5 0 0 2.00
Carver Bancorp 0 0 0 0 N / A

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

Summary

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

Umpqua Company Profile (Get a rating)

Umpqua Holdings Corporation operates as the holding company of Umpqua Bank which provides commercial and retail banking services. It operates in two segments: Core Banking and Mortgage Banking. The Company offers deposit products, including interest-free checks, interest-bearing checking and savings accounts, money market accounts, as well as certificates of deposit. It also offers corporate and business loans, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade financing, home construction loans, ongoing funding and small business administration program funding, and capital markets and cash management products. Additionally, the Company offers loan products, such as commercial and industrial loans; residential real estate loans for the construction, purchase and refinancing of residential owner-occupied and rental properties; and consumer loans including secured and unsecured personal loans, home equity and personal lines of credit, and auto loans. Additionally, it provides financial planning solutions; and online and mobile banking. The firm 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 banking activities in 234 locations, including 202 stores in Oregon, Washington, California, Idaho and Nevada; and operated 28 facilities for administrative and other functions, such as administrative support, of which two are owned and 26 are leased. The company was founded in 1953 and is based in Portland, Oregon.

Carver Bancorp Company Profile (Get a rating)

Carver Bancorp, Inc. operates as a holding company for Carver Federal Savings Bank which provides personal and business banking services for consumers, businesses, and governmental and quasi-governmental agencies primarily in New York City. It accepts various deposit products, including demand, savings and term deposits; passbook accounts and account statements and certificates of deposit; and individual retirement accounts. The Company also offers lending products, such as one to four family residential units, multi-family real estate and commercial real estate; and construction, business and small business administration, and consumer and other lending. In addition, it offers other personal and business banking products and services, including debit cards, online account opening and banking, online bill payment and telephone banking, as well as such as check cashing, bank transfer, bill payment, rechargeable prepaid card and cash. order services. The company operates through 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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