Analyzing First United (NASDAQ:FUNC) & China Minsheng Banking (NASDAQ:CMAKY)

First United (NASDAQ:FUNC) and China Minsheng Banking (OTCMKTS:CMAKY) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, earnings, valuation, profitability, analyst recommendations and dividends.

Analyst Ratings

This is a summary of recent ratings and target prices for First United and China Minsheng Banking, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First United 0 0 0 0 N/A
China Minsheng Banking 0 1 0 0 2.00

Profitability

This table compares First United and China Minsheng Banking’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First United 15.31% 8.54% 0.71%
China Minsheng Banking N/A N/A N/A

Earnings and Valuation

This table compares First United and China Minsheng Banking’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First United $74.56 million 1.05 $13.13 million N/A N/A
China Minsheng Banking N/A N/A N/A N/A N/A

First United has higher revenue and earnings than China Minsheng Banking.

Dividends

First United pays an annual dividend of $0.52 per share and has a dividend yield of 4.6%. China Minsheng Banking pays an annual dividend of $0.43 per share and has a dividend yield of 7.5%. First United has increased its dividend for 1 consecutive years.

Insider and Institutional Ownership

33.0% of First United shares are owned by institutional investors. 4.3% of First United shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Volatility and Risk

First United has a beta of 0.95, suggesting that its stock price is 5% less volatile than the S&P 500. Comparatively, China Minsheng Banking has a beta of 0.61, suggesting that its stock price is 39% less volatile than the S&P 500.

Summary

First United beats China Minsheng Banking on 8 of the 9 factors compared between the two stocks.

About First United

First United Corporation operates as the holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; indirect and direct auto loans; and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit, and night depository facilities. It operates 25 banking offices, 1 call center, and 26 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, and Monongalia counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

About China Minsheng Banking

China Minsheng Banking Corp., Ltd. provides various financial products and services to individuals, small and micro-enterprises, corporate customers, government agencies, and financial institutions in the People's Republic of China. The company operates through four segments: Corporate Banking, Personal Banking, Treasury, and Others. Its deposit products include saving accounts, deposit certificates, contracted deposits, agreement deposits, call deposits, corporate term deposits, and corporate current deposits. The company also offers personal housing mortgage, individual automobile purchase, household composite consumption, medium and long term, and short-term working capital loans; micro-credit products for individuals; trust, trade-related products, and foreign currency services; and debit and credit cards. In addition, it provides foreign exchange trading, derivatives transactions, money market transactions, and precious metal trading services, as well as Internet, mobile, and telephone banking services. Further, the company offers gross settlement; wages distribution agency and letter of guarantee; cash management; trade finance; industrial chain finance; and comprehensive credit granting, forex settlement and sale, financial product investment, and trust financing services. Additionally, it provides convenient finance, investment banking, and asset management services, as well as non-financial services in the education, business travel, traveler, art, luxury life, health, club, and isports areas. The company has approximately 132 branches, 1,144 business outlets, 1,347 community sub-branches, 157 small business sub-branches, and 3,410 self-service banks. China Minsheng Banking Corp., Ltd. was founded in 1996 and is headquartered in Beijing, the People's Republic of China.

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