FNCB Bancorp (FNCB) Competitors

United Security Bancshares (NASDAQ:UBFO) and FNCB Bancorp (NASDAQ:FNCB) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their media sentiment, risk, institutional ownership, analyst recommendations, dividends, community ranking, valuation, earnings and profitability.

Does the media favor UBFO or FNCB?

In the previous week, United Security Bancshares had 8 more articles in the media than FNCB Bancorp. MarketBeat recorded 8 mentions for United Security Bancshares and 0 mentions for FNCB Bancorp. FNCB Bancorp's average media sentiment score of 1.45 beat United Security Bancshares' score of 1.02 indicating that United Security Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
United Security Bancshares	Positive
FNCB Bancorp	Positive

Does the MarketBeat Community prefer UBFO or FNCB?

United Security Bancshares received 88 more outperform votes than FNCB Bancorp when rated by MarketBeat users. Likewise, 42.51% of users gave United Security Bancshares an outperform vote while only 0.00% of users gave FNCB Bancorp an outperform vote.

Company	Underperform	Outperform
United Security Bancshares	Outperform Votes 88 42.51%	Underperform Votes 119 57.49%
FNCB Bancorp	Outperform Votes No Votes	Underperform Votes 1 100.00%

Which has better valuation and earnings, UBFO or FNCB?

United Security Bancshares has higher earnings, but lower revenue than FNCB Bancorp. United Security Bancshares is trading at a lower price-to-earnings ratio than FNCB Bancorp, 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
United Security Bancshares	$65.95M	2.14	$19.80M	$1.04	7.83
FNCB Bancorp	$88.67M	1.51	$12.98M	$0.70	9.64

Which has more risk and volatility, UBFO or FNCB?

United Security Bancshares has a beta of 0.59, meaning that its stock price is 41% less volatile than the S&P 500. Comparatively, FNCB Bancorp has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of UBFO or FNCB?

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 13.3% of FNCB Bancorp shares are held by institutional investors. 20.1% of United Security Bancshares shares are held by insiders. Comparatively, 18.0% of FNCB Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Is UBFO or FNCB more profitable?

United Security Bancshares has a net margin of 26.73% compared to United Security Bancshares' net margin of 14.92%. FNCB Bancorp's return on equity of 14.69% beat United Security Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
United Security Bancshares	26.73%	14.69%	1.44%
FNCB Bancorp	14.92%	10.77%	0.75%

Do analysts rate UBFO or FNCB?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Security Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
FNCB Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is UBFO or FNCB a better dividend stock?

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.9%. FNCB Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 5.3%. United Security Bancshares pays out 46.2% of its earnings in the form of a dividend. FNCB Bancorp pays out 51.4% 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. United Security Bancshares has increased its dividend for 1 consecutive years and FNCB Bancorp has increased its dividend for 8 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

United Security Bancshares beats FNCB Bancorp on 15 of the 18 factors compared between the two stocks.