UBOH vs. ASRV, OPHC, OPOF, CFBK, PNBK, LARK, MRBK, FNCB, HWBK, and VABK
Should you be buying United Bancshares stock or one of its competitors? The main competitors of United Bancshares include AmeriServ Financial (ASRV), OptimumBank (OPHC), Old Point Financial (OPOF), CF Bankshares (CFBK), Patriot National Bancorp (PNBK), Landmark Bancorp (LARK), Meridian (MRBK), FNCB Bancorp (FNCB), Hawthorn Bancshares (HWBK), and Virginia National Bankshares (VABK).
United Bancshares (NASDAQ:UBOH) and AmeriServ Financial (NASDAQ:ASRV) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their community ranking, risk, analyst recommendations, media sentiment, earnings, valuation, institutional ownership, dividends and profitability.
United Bancshares has higher earnings, but lower revenue than AmeriServ Financial. AmeriServ Financial is trading at a lower price-to-earnings ratio than United Bancshares, indicating that it is currently the more affordable of the two stocks.
AmeriServ Financial received 66 more outperform votes than United Bancshares when rated by MarketBeat users. Likewise, 61.60% of users gave AmeriServ Financial an outperform vote while only 60.15% of users gave United Bancshares an outperform vote.
1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 31.5% of AmeriServ Financial shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by company insiders. Comparatively, 9.6% of AmeriServ Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
United Bancshares has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.7, suggesting that its stock price is 30% less volatile than the S&P 500.
United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 4.7%. AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.7%. United Bancshares pays out 31.3% of its earnings in the form of a dividend. AmeriServ Financial pays out -70.6% 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. AmeriServ Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
In the previous week, AmeriServ Financial had 3 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for AmeriServ Financial and 0 mentions for United Bancshares. AmeriServ Financial's average media sentiment score of 1.00 beat United Bancshares' score of 0.00 indicating that AmeriServ Financial is being referred to more favorably in the news media.
United Bancshares has a net margin of 15.33% compared to AmeriServ Financial's net margin of -3.77%. United Bancshares' return on equity of 11.85% beat AmeriServ Financial's return on equity.
Summary
AmeriServ Financial beats United Bancshares on 10 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding UBOH and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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