UTI vs First Bank

UTI and First Bank, both prominent players in the financial sector, offer investors diverse opportunities for potential growth and returns. UTI, a renowned asset management company, provides mutual funds and other investment products, making it a popular choice for those looking to diversify their portfolios. On the other hand, First Bank, a leading commercial bank, offers stability and reliability for investors seeking a traditional banking option. Understanding the differences and similarities between these two stocks can help investors make informed decisions in their investment strategies.

UTI or First Bank?

When comparing UTI and First Bank, different investors may prioritize various metrics based on their investment strategies and goals. So, ask yourself what type of investor you are. This will guide you in determining which metrics are most important for your investment decision between UTI and First Bank.

Dividend Investors:

Dividend investors look for stable and growing income streams, using dividend metrics to assess potential investments. A company's dividend yield essentially measures the size of its dividend relative to the total market value of the company. UTI has a dividend yield of -%, while First Bank has a dividend yield of 1.58%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. UTI reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%. On the other hand, First Bank reports a 5-year dividend growth of 14.87% year and a payout ratio of 19.55%.

Value Investors:

Value investors focus on financial metrics to determine a stock's intrinsic value compared to its market value. The Price-to-Earnings (P/E) Ratio links stock price to a company's earnings per share, with UTI P/E ratio at -12.49 and First Bank's P/E ratio at 12.42. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. UTI P/B ratio is 22.10 while First Bank's P/B ratio is 0.97.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, UTI has seen a 5-year revenue growth of -0.60%, while First Bank's is 1.46%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with UTI's ROE at -134.22% and First Bank's ROE at 8.15%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are ₩23100.00 for UTI and $14.94 for First Bank. Over the past year, UTI's prices ranged from ₩19250.00 to ₩42550.00, with a yearly change of 121.04%. First Bank's prices fluctuated between $10.51 and $15.87, with a yearly change of 51.00%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.