OPOF vs. UBOH, CFBK, MRBK, LARK, FNCB, OPHC, UBFO, HWBK, VABK, and FUNC
Should you be buying Old Point Financial stock or one of its competitors? The main competitors of Old Point Financial include United Bancshares (UBOH), CF Bankshares (CFBK), Meridian (MRBK), Landmark Bancorp (LARK), FNCB Bancorp (FNCB), OptimumBank (OPHC), United Security Bancshares (UBFO), Hawthorn Bancshares (HWBK), Virginia National Bankshares (VABK), and First United (FUNC). These companies are all part of the "national commercial banks" industry.
United Bancshares (NASDAQ:UBOH) and Old Point Financial (NASDAQ:OPOF) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, dividends, community ranking, institutional ownership, risk, valuation, media sentiment, earnings and analyst recommendations.
United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 4.7%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 3.8%. United Bancshares pays out 31.3% of its earnings in the form of a dividend. Old Point Financial pays out 36.4% 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 Bancshares has increased its dividend for 1 consecutive years and Old Point Financial has increased its dividend for 1 consecutive years. United Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.
In the previous week, United Bancshares had 4 more articles in the media than Old Point Financial. MarketBeat recorded 6 mentions for United Bancshares and 2 mentions for Old Point Financial. Old Point Financial's average media sentiment score of 0.94 beat United Bancshares' score of 0.00 indicating that United Bancshares is being referred to more favorably in the media.
United Bancshares has higher earnings, but lower revenue than Old Point Financial. United Bancshares is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.
United Bancshares has a net margin of 15.33% compared to United Bancshares' net margin of 9.60%. Old Point Financial's return on equity of 11.85% beat United Bancshares' return on equity.
1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 33.4% of Old Point Financial shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by company insiders. Comparatively, 16.3% of Old Point Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
United Bancshares has a beta of 0.32, meaning that its share price is 68% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500.
Old Point Financial received 90 more outperform votes than United Bancshares when rated by MarketBeat users. However, 60.15% of users gave United Bancshares an outperform vote while only 56.11% of users gave Old Point Financial an outperform vote.
Summary
United Bancshares beats Old Point Financial on 12 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding OPOF 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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