United Bancshares (UBOH) 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.

Is USCB or UBOH 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
USCB Financial	18.69%	12.96%	1.08%
United Bancshares	14.84%	N/A	N/A

Which has better valuation & earnings, USCB or UBOH?

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
USCB Financial	$143.97M	2.36	$24.67M	$1.38	12.30
United Bancshares	$46.23M	1.81	$9.15M	$3.40	8.24

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

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.

Do analysts rate USCB or UBOH?

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.

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

Is USCB or UBOH a better dividend stock?

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.

Which has more risk & volatility, USCB or UBOH?

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.

Does the media refer more to USCB or UBOH?

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.

Company	Overall Sentiment
USCB Financial	Neutral
United Bancshares	Neutral

Summary

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