Umpqua (UMPQ) and Clifton Bancorp (CSBK) Financial Comparison

Clifton Bancorp (NASDAQ: CSBK) and Umpqua (NASDAQ:UMPQ) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, profitability, earnings, institutional ownership, analyst recommendations, valuation and dividends.

Profitability

This table compares Clifton Bancorp and Umpqua’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Clifton Bancorp 9.23% 2.44% 0.46%
Umpqua 22.53% 7.09% 1.10%

Dividends

Clifton Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. Umpqua pays an annual dividend of $0.80 per share and has a dividend yield of 3.8%. Umpqua pays out 74.8% of its earnings in the form of a dividend. Umpqua has increased its dividend for 7 consecutive years. Umpqua is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Volatility & Risk

Clifton Bancorp has a beta of 0.3, suggesting that its share price is 70% less volatile than the S&P 500. Comparatively, Umpqua has a beta of 0.96, suggesting that its share price is 4% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Clifton Bancorp and Umpqua, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Clifton Bancorp 0 0 1 0 3.00
Umpqua 1 5 4 0 2.30

Clifton Bancorp currently has a consensus target price of $17.00, indicating a potential upside of 8.63%. Umpqua has a consensus target price of $24.00, indicating a potential upside of 12.68%. Given Umpqua’s higher possible upside, analysts plainly believe Umpqua is more favorable than Clifton Bancorp.

Earnings & Valuation

This table compares Clifton Bancorp and Umpqua’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Clifton Bancorp $42.39 million 8.16 $4.72 million N/A N/A
Umpqua $1.22 billion 3.85 $246.01 million $1.07 19.91

Umpqua has higher revenue and earnings than Clifton Bancorp.

Insider and Institutional Ownership

58.7% of Clifton Bancorp shares are owned by institutional investors. Comparatively, 91.0% of Umpqua shares are owned by institutional investors. 6.3% of Clifton Bancorp shares are owned by insiders. Comparatively, 1.0% of Umpqua shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Umpqua beats Clifton Bancorp on 11 of the 16 factors compared between the two stocks.

About Clifton Bancorp

Clifton Bancorp Inc, formerly Clifton Savings Bancorp, Inc., is a savings and loan holding company that operates through its subsidiary, Clifton Savings Bank (Clifton Savings). Clifton Savings is a federally chartered savings bank. Clifton Savings operate as a community-oriented financial institution offering traditional financial services to consumers and businesses in the market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family and commercial real estate, and consumer loans, which it holds for investment. Clifton Savings has one wholly owned subsidiary, Botany Inc., an investment company. In addition to the main office located in Passaic County, Clifton Savings operates 11 branch offices in Bergen and Passaic Counties, which, along with Essex, Morris, Hudson and Union Counties are its primary market area.

About Umpqua

Umpqua Holdings Corporation, through its subsidiaries, provides commercial and retail banking, and retail brokerage services. It operates through four segments: Commercial Bank, Wealth Management, Retail Bank, and Home Lending. The company offers deposit products, including non-interest bearing checking, interest bearing checking and savings, and money market accounts, as well as certificates of deposit. It also provides loans for business and commercial customers, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade, real estate construction loans, permanent financing products, small business administration program financing, and residential mortgage loans, as well as capital markets and treasury management services. In addition, the company offers loan products for small businesses; commercial and industrial loans; residential real estate loans for the construction, purchase, and refinancing of residential owner-occupied and rental properties; and consumer loans comprising secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. Further, it provides financial planning, trust, and investment services; broker dealer and investment advisory services; and technology-based services that include remote deposit capture, online banking, bill pay and treasury, mobile banking, voice response banking, automatic payroll deposit program, ATM, interactive product kiosks, and Website services. The company serves small businesses, middle market, and large commercial customers; individual investors; and high net worth individuals. As of December 31, 2017, it operated commercial banking centers in 333 locations in Oregon, Washington, California, Idaho, and Nevada. The company was founded in 1953 and is headquartered in Portland, Oregon.

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