UBOH vs. ASRV, OPOF, EMCF, CFBK, RIVE, LCNB, VABK, ATLO, NKSH, and FUNC
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), Emclaire Financial (EMCF), CF Bankshares (CFBK), Riverview Financial (RIVE), LCNB (LCNB), Virginia National Bankshares (VABK), Ames National (ATLO), National Bankshares (NKSH), and First United (FUNC). These companies are all part of the "finance" sector.
AmeriServ Financial (NASDAQ:ASRV) and United Bancshares (NASDAQ:UBOH) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, community ranking, dividends, earnings, media sentiment, profitability, analyst recommendations, institutional ownership and valuation.
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.
In the previous week, AmeriServ Financial had 2 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for AmeriServ Financial and 1 mentions for United Bancshares. United Bancshares' average media sentiment score of 1.00 beat AmeriServ Financial's score of 0.98 indicating that AmeriServ Financial is being referred to more favorably in the media.
AmeriServ Financial has a beta of 0.73, suggesting that its stock price is 27% less volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500.
31.5% of AmeriServ Financial shares are held by institutional investors. Comparatively, 1.0% of United Bancshares shares are held by institutional investors. 9.6% of AmeriServ Financial shares are held by company insiders. Comparatively, 6.6% of United Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.7%. United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 4.5%. AmeriServ Financial pays out -70.6% of its earnings in the form of a dividend. United Bancshares pays out 31.3% 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 net margin of 14.16% compared to United Bancshares' net margin of -3.91%. AmeriServ Financial's return on equity of 0.00% beat United Bancshares' return on equity.
United Bancshares has lower revenue, but higher earnings 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.
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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