Financial Contrast: 1st United Bancorp Inc (Florida) (FUBC) vs. Bank Mutual (BKMU)

1st United Bancorp Inc (Florida) (NASDAQ: FUBC) and Bank Mutual (NASDAQ:BKMU) are both small-cap companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, profitability, earnings, dividends, valuation, analyst recommendations and institutional ownership.

Profitability

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This table compares 1st United Bancorp Inc (Florida) and Bank Mutual’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1st United Bancorp Inc (Florida) N/A N/A N/A
Bank Mutual 7.36% 2.59% 0.28%

Analyst Ratings

This is a breakdown of recent recommendations and price targets for 1st United Bancorp Inc (Florida) and Bank Mutual, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1st United Bancorp Inc (Florida) 0 0 0 0 N/A
Bank Mutual 0 2 0 0 2.00

Bank Mutual has a consensus target price of $10.75, indicating a potential upside of 3.37%.

Institutional and Insider Ownership

54.8% of Bank Mutual shares are held by institutional investors. 10.0% of Bank Mutual shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings and Valuation

This table compares 1st United Bancorp Inc (Florida) and Bank Mutual’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
1st United Bancorp Inc (Florida) N/A N/A N/A N/A N/A
Bank Mutual $112.23 million 4.27 $13.54 million N/A N/A

Bank Mutual has higher revenue and earnings than 1st United Bancorp Inc (Florida).

Dividends

Bank Mutual pays an annual dividend of $0.17 per share and has a dividend yield of 1.6%. 1st United Bancorp Inc (Florida) does not pay a dividend.

Summary

Bank Mutual beats 1st United Bancorp Inc (Florida) on 7 of the 7 factors compared between the two stocks.

About 1st United Bancorp Inc (Florida)

1st United Bancorp, Inc. (Bancorp) is a financial holding company. 1st United Bank, a Florida state chartered bank, is Bancorp’s wholly owned subsidiary. The Company offers its customers, professionals, high net-worth individuals and small and medium-sized businesses, a variety of traditional loan, deposit and cash management products. As of December 31, 2010, Bancorp operated banking center from 15 locations consisting of four banking centers in Palm Beach County, four banking centers in Broward County, four banking centers in Miami-Dade County, and one banking center each in Sebastian, Vero Beach and Barefoot Bay, Florida. As of December 31, 2010, the total assets of Bancorp were at 1.268 billion and the total loans of the Company were at $847.7 million. In July 2013, 1st United Bancorp Inc completed its acquisition by merger of Enterprise Bancorp Inc (EBI) and its wholly owned subsidiary Enterprise Bank of Florida.

About Bank Mutual

Bank Mutual Corporation is a savings and loan holding company. The Company owns Bank Mutual (the Bank), a federally-chartered savings bank. The Bank is engaged in the business of community banking, which includes attracting deposits from and making loans to the general public and private businesses, as well as governmental and non-profit entities. In addition to deposits, the Bank obtains funds through borrowings from the Federal Home Loan Bank (FHLB) of Chicago. These funding sources are used to originate loans, including commercial and industrial loans, multi-family residential loans, non-residential commercial real estate loans, one- to four-family loans, home equity loans and other consumer loans. The Bank also purchases and/or participates in loans from third-party financial institutions and is a seller of residential loans in the secondary market. It also invests in mortgage-related and other investment securities.

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