United Bancshares (UBOH) Competitors

United Bancshares (NASDAQ:UBOH) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, media sentiment, valuation and profitability.

Does the media prefer UBOH or USCB?

In the previous week, USCB Financial had 3 more articles in the media than United Bancshares. MarketBeat recorded 4 mentions for USCB Financial and 1 mentions for United Bancshares. USCB Financial's average media sentiment score of 0.50 beat United Bancshares' score of 0.00 indicating that USCB Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
United Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
USCB Financial	0 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more volatility and risk, UBOH or USCB?

United Bancshares has a beta of 0.06, meaning that its share price is 94% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500.

Is UBOH or USCB more profitable?

USCB Financial has a net margin of 18.69% compared to United Bancshares' net margin of 14.84%. USCB Financial's return on equity of 12.96% beat United Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
United Bancshares	14.84%	N/A	N/A
USCB Financial	18.69%	12.96%	1.08%

Do analysts rate UBOH or USCB?

USCB Financial has a consensus target price of $19.00, indicating a potential upside of 12.49%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts clearly believe USCB Financial is more favorable than United Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
USCB Financial	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Which has stronger valuation and earnings, UBOH or USCB?

USCB Financial has higher revenue and earnings than United Bancshares. United Bancshares is trading at a lower price-to-earnings ratio than USCB Financial, 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 Bancshares	$46.23M	1.81	$9.15M	$3.40	8.24
USCB Financial	$87.89M	3.85	$24.67M	$1.38	12.24

Do institutionals and insiders hold more shares of UBOH or USCB?

1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by insiders. Comparatively, 49.5% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Is UBOH or USCB a better dividend stock?

United Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. United Bancshares pays out 27.1% of its earnings in the form of a dividend. USCB Financial pays out 29.0% 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. USCB Financial has increased its dividend for 2 consecutive years. United Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

USCB Financial beats United Bancshares on 16 of the 19 factors compared between the two stocks.