Head-To-Head Comparison: United Financial Bancorp (UBNK) vs. Anchor Bancorp (ANCB)

United Financial Bancorp (NASDAQ: UBNK) and Anchor Bancorp (NASDAQ:ANCB) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.

Dividends

United Financial Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.7%. Anchor Bancorp does not pay a dividend. United Financial Bancorp pays out 42.9% of its earnings in the form of a dividend.

Volatility & Risk

United Financial Bancorp has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500. Comparatively, Anchor Bancorp has a beta of 0.71, suggesting that its stock price is 29% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings for United Financial Bancorp and Anchor Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Financial Bancorp 0 3 1 0 2.25
Anchor Bancorp 0 0 0 0 N/A

United Financial Bancorp currently has a consensus price target of $19.33, indicating a potential upside of 7.17%. Given United Financial Bancorp’s higher possible upside, equities analysts clearly believe United Financial Bancorp is more favorable than Anchor Bancorp.

Institutional and Insider Ownership

66.5% of United Financial Bancorp shares are owned by institutional investors. Comparatively, 45.5% of Anchor Bancorp shares are owned by institutional investors. 3.4% of United Financial Bancorp shares are owned by insiders. Comparatively, 5.6% of Anchor Bancorp shares are owned by 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.

Valuation and Earnings

This table compares United Financial Bancorp and Anchor Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
United Financial Bancorp $269.65 million 3.41 $54.61 million $1.12 16.11
Anchor Bancorp $24.54 million 2.66 $2.35 million N/A N/A

United Financial Bancorp has higher revenue and earnings than Anchor Bancorp.

Profitability

This table compares United Financial Bancorp and Anchor Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Financial Bancorp 20.33% 8.59% 0.84%
Anchor Bancorp 6.43% 6.19% 0.87%

Summary

United Financial Bancorp beats Anchor Bancorp on 10 of the 14 factors compared between the two stocks.

United Financial Bancorp Company Profile

United Financial Bancorp, Inc. operates as the holding company for United Bank that provides retail, commercial, and consumer banking services to individuals, families, and businesses. The company accepts various deposits, such as interest-bearing checking, non-interest-bearing checking, regular savings, money market savings, and time deposits. Its loan products include commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one-to-four family residences, home equity lines of credit, fixed rate loans, marine floor plan loans, and other consumer loans. In addition, the company provides various financial advisory services. It has 53 banking offices, 64 ATMs, and 7 loan production offices in Connecticut and Massachusetts. The company was formerly known as Rockville Financial, Inc. and changed its name to United Financial Bancorp, Inc. in April 2014. United Financial Bancorp, Inc. was founded in 1858 and is headquartered in Hartford, Connecticut.

Anchor Bancorp Company Profile

Anchor Bancorp operates as the bank holding company for Anchor Bank that provides various banking products and services in Western Washington. The company accepts deposit products, such as checking, money market deposit, and savings accounts, as well as certificates of deposit. It offers one-to-four family loans, home equity loans and lines of credit, commercial and multi-family real estate loans, commercial business loans, construction and land loans, unsecured consumer loans, and automobile loans; and other cash management services. Its investment portfolio consists of mortgage-backed securities, municipal bonds, and mutual funds. It operates 10 full-service banking offices located in Grays Harbor, Thurston, Lewis, Pierce, and Mason counties, as well as a loan production office located in King County, Washington. Anchor Bancorp was founded in 1907 and is headquartered in Lacey, Washington.

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