UBOH vs. USCB, BRBS, NECB, BTM, OPRT, PBFS, SFST, BCML, RBB, and FSBW
Should you be buying United Bancshares stock or one of its competitors? The main competitors of United Bancshares include USCB Financial (USCB), Blue Ridge Bankshares (BRBS), Northeast Community Bancorp (NECB), Bitcoin Depot (BTM), Oportun Financial (OPRT), Pioneer Bancorp (PBFS), Southern First Bancshares (SFST), Bay Commercial Bank (BCML), RBB Bancorp (RBB), and FS Bancorp (FSBW). These companies are all part of the "banking" industry.
United Bancshares vs. Its Competitors
USCB Financial (NASDAQ:USCB) and United Bancshares (NASDAQ:UBOH) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, media sentiment, profitability, institutional ownership, valuation, earnings, analyst recommendations and dividends.
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.
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.
61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 1.0% of United Bancshares shares are owned by institutional investors. 49.5% of USCB Financial shares are owned by insiders. Comparatively, 6.6% of United Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
USCB Financial presently has a consensus price target of $19.00, indicating a potential upside of 11.96%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts plainly believe USCB Financial is more favorable than United Bancshares.
USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. United Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. USCB Financial pays out 29.0% of its earnings in the form of a dividend. United Bancshares pays out 27.1% 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.
USCB Financial has a beta of 0.61, suggesting that its share price is 39% less volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.06, suggesting that its share price is 94% less volatile than the S&P 500.
In the previous week, USCB Financial had 3 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for USCB Financial and 0 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 media.
Summary
USCB Financial beats United Bancshares on 16 of the 19 factors compared between the two stocks.
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New MarketBeat Followers Over Time
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.
Skip ChartMedia Sentiment Over Time
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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This page (NASDAQ:UBOH) was last updated on 7/7/2025 by MarketBeat.com Staff