Great Southern Bancorp (NASDAQ: GSBC) and Univest Co. of Pennsylvania (NASDAQ:UVSP) are both small-cap financials companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, earnings and profitability.

Analyst Recommendations

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This is a breakdown of recent ratings for Great Southern Bancorp and Univest Co. of Pennsylvania, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Great Southern Bancorp 0 2 0 0 2.00
Univest Co. of Pennsylvania 0 2 1 0 2.33

Great Southern Bancorp currently has a consensus target price of $56.00, indicating a potential upside of 11.22%. Univest Co. of Pennsylvania has a consensus target price of $33.33, indicating a potential upside of 16.96%. Given Univest Co. of Pennsylvania’s stronger consensus rating and higher possible upside, analysts plainly believe Univest Co. of Pennsylvania is more favorable than Great Southern Bancorp.

Insider & Institutional Ownership

40.8% of Great Southern Bancorp shares are held by institutional investors. Comparatively, 66.9% of Univest Co. of Pennsylvania shares are held by institutional investors. 23.8% of Great Southern Bancorp shares are held by insiders. Comparatively, 3.6% of Univest Co. of Pennsylvania shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Risk and Volatility

Great Southern Bancorp has a beta of 1.03, suggesting that its share price is 3% more volatile than the S&P 500. Comparatively, Univest Co. of Pennsylvania has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500.

Valuation and Earnings

This table compares Great Southern Bancorp and Univest Co. of Pennsylvania’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Great Southern Bancorp $221.59 million 3.20 $51.56 million $3.66 13.76
Univest Co. of Pennsylvania $222.26 million 3.76 $44.09 million $1.68 16.96

Great Southern Bancorp has higher earnings, but lower revenue than Univest Co. of Pennsylvania. Great Southern Bancorp is trading at a lower price-to-earnings ratio than Univest Co. of Pennsylvania, indicating that it is currently the more affordable of the two stocks.

Dividends

Great Southern Bancorp pays an annual dividend of $0.96 per share and has a dividend yield of 1.9%. Univest Co. of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. Great Southern Bancorp pays out 26.2% of its earnings in the form of a dividend. Univest Co. of Pennsylvania pays out 47.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Profitability

This table compares Great Southern Bancorp and Univest Co. of Pennsylvania’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Great Southern Bancorp 23.27% 11.51% 1.16%
Univest Co. of Pennsylvania 19.84% 8.68% 1.03%

Great Southern Bancorp Company Profile

Great Southern Bancorp, Inc. is a bank holding company, a financial holding company and the parent of Great Southern Bank (the Bank). Through the Bank and subsidiaries of the Bank, the Company offers insurance, travel, investment and related services. The Bank makes long-term, fixed-rate residential real estate loans. It also originates commercial real estate and other residential loans, primarily with adjustable rates or shorter-term fixed rates, and commercial business and consumer loans, primarily in indirect automobile lending. The Company’s investment portfolio consists of mortgage-backed securities, and states and political subdivisions. As of December 31, 2016, the Bank offered a range of banking services through its 104 banking centers located in southern and central Missouri; the Kansas City, Missouri area; the St. Louis, Missouri area; eastern Kansas; northwestern Arkansas; eastern Nebraska, the Minneapolis, Minnesota area, and eastern, western and central Iowa.

Univest Co. of Pennsylvania Company Profile

Univest Corporation of Pennsylvania is the bank holding company of Univest Bank and Trust Co. (the Bank). The Bank is a Pennsylvania state-chartered bank and trust company. The Company’s business segments include Banking, Wealth Management and Insurance. The Banking segment provides financial services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking services and equipment lease financing. The Wealth Management segment offers trust and investment advisory services, guardian and custodian of employee benefits and other trust and brokerage services, as well as a registered investment advisory managing private investment accounts for both individuals and institutions. The Insurance segment includes a full-service insurance brokerage agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions, personal insurance lines and human resources consulting.

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