UBOH vs. ASRV, OPOF, OPHC, CFBK, MRBK, PNBK, LARK, FNCB, UBFO, and HWBK
Should you be buying United Bancshares stock or one of its competitors? The main competitors of United Bancshares include AmeriServ Financial (ASRV), Old Point Financial (OPOF), OptimumBank (OPHC), CF Bankshares (CFBK), Meridian (MRBK), Patriot National Bancorp (PNBK), Landmark Bancorp (LARK), FNCB Bancorp (FNCB), United Security Bancshares (UBFO), and Hawthorn Bancshares (HWBK). These companies are all part of the "national commercial banks" industry.
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 dividends, profitability, media sentiment, earnings, analyst recommendations, institutional ownership, risk, community ranking and valuation.
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.
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 insiders. Comparatively, 9.6% of AmeriServ Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
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.
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.
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 4.8%. 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.
United Bancshares has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.69, suggesting that its share price is 31% less volatile than the S&P 500.
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.
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 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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