First United (FUNC) Competitors

Hanmi Financial (NASDAQ:HAFC) and First United (NASDAQ:FUNC) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, institutional ownership, valuation, media sentiment, earnings, analyst recommendations, profitability, risk and community ranking.

Does the media refer more to HAFC or FUNC?

In the previous week, First United had 5 more articles in the media than Hanmi Financial. MarketBeat recorded 6 mentions for First United and 1 mentions for Hanmi Financial. First United's average media sentiment score of 1.25 beat Hanmi Financial's score of 1.04 indicating that Hanmi Financial is being referred to more favorably in the media.

Company	Overall Sentiment
Hanmi Financial	Positive
First United	Positive

Does the MarketBeat Community prefer HAFC or FUNC?

Hanmi Financial received 191 more outperform votes than First United when rated by MarketBeat users. However, 65.22% of users gave First United an outperform vote while only 56.30% of users gave Hanmi Financial an outperform vote.

Company	Underperform	Outperform
Hanmi Financial	Outperform Votes 326 56.30%	Underperform Votes 253 43.70%
First United	Outperform Votes 135 65.22%	Underperform Votes 72 34.78%

Do analysts prefer HAFC or FUNC?

Hanmi Financial currently has a consensus price target of $17.50, indicating a potential upside of 11.04%. Given First United's higher possible upside, equities analysts plainly believe Hanmi Financial is more favorable than First United.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hanmi Financial	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
First United	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is HAFC or FUNC a better dividend stock?

Hanmi Financial pays an annual dividend of $1.00 per share and has a dividend yield of 6.3%. First United pays an annual dividend of $0.80 per share and has a dividend yield of 4.0%. Hanmi Financial pays out 41.7% of its earnings in the form of a dividend. First United pays out 37.2% 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. Hanmi Financial has increased its dividend for 3 consecutive years and First United has increased its dividend for 6 consecutive years.

Is HAFC or FUNC more profitable?

Hanmi Financial has a net margin of 17.63% compared to Hanmi Financial's net margin of 13.82%. Hanmi Financial's return on equity of 11.64% beat First United's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Hanmi Financial	17.63%	10.70%	0.98%
First United	13.82%	11.64%	0.97%

Which has more volatility and risk, HAFC or FUNC?

Hanmi Financial has a beta of 0.93, meaning that its share price is 7% less volatile than the S&P 500. Comparatively, First United has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500.

Which has preferable valuation & earnings, HAFC or FUNC?

Hanmi Financial has higher revenue and earnings than First United. Hanmi Financial is trading at a lower price-to-earnings ratio than First United, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hanmi Financial	$241.71M	1.98	$80.04M	$2.40	6.57
First United	$99.49M	1.34	$15.06M	$2.15	9.32

Do insiders & institutionals have more ownership in HAFC or FUNC?

88.7% of Hanmi Financial shares are owned by institutional investors. Comparatively, 33.3% of First United shares are owned by institutional investors. 1.6% of Hanmi Financial shares are owned by insiders. Comparatively, 7.8% of First United shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Hanmi Financial beats First United on 12 of the 19 factors compared between the two stocks.