Sun Bancorp (NASDAQ: SNBC) and 1st United Bancorp Inc (Florida) (NASDAQ:FUBC) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitabiliy, risk, earnings, analyst recommendations, dividends and valuation.

Dividends

Sun Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.2%. 1st United Bancorp Inc (Florida) does not pay a dividend. Sun Bancorp pays out 1.2% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Sun Bancorp and 1st United Bancorp Inc (Florida), as provided by MarketBeat.

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

Sun Bancorp currently has a consensus target price of $27.50, suggesting a potential upside of 12.70%. Given Sun Bancorp’s higher possible upside, research analysts plainly believe Sun Bancorp is more favorable than 1st United Bancorp Inc (Florida).

Insider & Institutional Ownership

71.1% of Sun Bancorp shares are owned by institutional investors. 12.5% of Sun Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

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

Net Margins Return on Equity Return on Assets
Sun Bancorp 73.81% 21.16% 2.79%
1st United Bancorp Inc (Florida) N/A N/A N/A

Earnings & Valuation

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

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Sun Bancorp $74.53 million 6.24 $62.13 million $3.26 7.48
1st United Bancorp Inc (Florida) N/A N/A N/A N/A N/A

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

Summary

Sun Bancorp beats 1st United Bancorp Inc (Florida) on 8 of the 9 factors compared between the two stocks.

About Sun Bancorp

Sun Bancorp, Inc. is a bank holding company. The Company’s principal subsidiary is Sun National Bank (the Bank). Through the Bank, the Company provides an array of community banking services to consumers, small businesses and mid-size companies. The Company’s lending services to businesses include term loans, lines of credit and commercial mortgages. The Company’s commercial deposit services include business checking and money market accounts, and cash management solutions, such as online banking, electronic bill payment and wire transfer services, lockbox services, remote deposit and controlled disbursement services. The Company’s lending services to consumers consist primarily of lines of credit of overdraft sweeps. The Company’s consumer deposit services include checking accounts, savings accounts, money market accounts, certificates of deposit and individual retirement accounts.

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.

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