PFSI vs. UBSI, RDN, KRG, THG, FG, ONB, SLM, EEFT, LNC, and LAZ
Should you be buying PennyMac Financial Services stock or one of its competitors? The main competitors of PennyMac Financial Services include United Bankshares (UBSI), Radian Group (RDN), Kite Realty Group Trust (KRG), The Hanover Insurance Group (THG), F&G Annuities & Life (FG), Old National Bancorp (ONB), SLM (SLM), Euronet Worldwide (EEFT), Lincoln National (LNC), and Lazard (LAZ). These companies are all part of the "finance" sector.
PennyMac Financial Services (NYSE:PFSI) and United Bankshares (NASDAQ:UBSI) are both mid-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, profitability, earnings, analyst recommendations, valuation, community ranking, institutional ownership, media sentiment and risk.
In the previous week, PennyMac Financial Services had 20 more articles in the media than United Bankshares. MarketBeat recorded 33 mentions for PennyMac Financial Services and 13 mentions for United Bankshares. PennyMac Financial Services' average media sentiment score of 0.38 beat United Bankshares' score of 0.22 indicating that PennyMac Financial Services is being referred to more favorably in the media.
PennyMac Financial Services received 120 more outperform votes than United Bankshares when rated by MarketBeat users. Likewise, 64.30% of users gave PennyMac Financial Services an outperform vote while only 47.78% of users gave United Bankshares an outperform vote.
PennyMac Financial Services has a beta of 1.67, indicating that its share price is 67% more volatile than the S&P 500. Comparatively, United Bankshares has a beta of 1, indicating that its share price has a similar volatility profile to the S&P 500.
United Bankshares has a net margin of 22.51% compared to PennyMac Financial Services' net margin of 10.94%. PennyMac Financial Services' return on equity of 10.51% beat United Bankshares' return on equity.
PennyMac Financial Services presently has a consensus target price of $97.75, suggesting a potential upside of 12.36%. United Bankshares has a consensus target price of $36.67, suggesting a potential upside of 10.54%. Given PennyMac Financial Services' stronger consensus rating and higher possible upside, equities analysts plainly believe PennyMac Financial Services is more favorable than United Bankshares.
United Bankshares has lower revenue, but higher earnings than PennyMac Financial Services. United Bankshares is trading at a lower price-to-earnings ratio than PennyMac Financial Services, indicating that it is currently the more affordable of the two stocks.
57.9% of PennyMac Financial Services shares are held by institutional investors. Comparatively, 70.8% of United Bankshares shares are held by institutional investors. 16.6% of PennyMac Financial Services shares are held by company insiders. Comparatively, 3.7% of United Bankshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
PennyMac Financial Services pays an annual dividend of $0.80 per share and has a dividend yield of 0.9%. United Bankshares pays an annual dividend of $1.48 per share and has a dividend yield of 4.5%. PennyMac Financial Services pays out 27.8% of its earnings in the form of a dividend. United Bankshares pays out 56.5% 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.
Summary
PennyMac Financial Services beats United Bankshares on 15 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding PFSI 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 NYSE 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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