Union Bankshares (UNB) Competitors

Union Bankshares (NASDAQ:UNB) and Five Star Bancorp (NASDAQ:FSBC) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, media sentiment, analyst recommendations, risk, dividends, institutional ownership, earnings, community ranking and profitability.

Which has preferable earnings & valuation, UNB or FSBC?

Five Star Bancorp has higher revenue and earnings than Union Bankshares. Five Star Bancorp is trading at a lower price-to-earnings ratio than Union Bankshares, 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
Union Bankshares	$46.83M	3.24	$8.80M	$1.96	17.04
Five Star Bancorp	$124.96M	4.70	$45.67M	$2.28	12.08

Does the MarketBeat Community favor UNB or FSBC?

Union Bankshares received 125 more outperform votes than Five Star Bancorp when rated by MarketBeat users. However, 62.10% of users gave Five Star Bancorp an outperform vote while only 60.48% of users gave Union Bankshares an outperform vote.

Company	Underperform	Outperform
Union Bankshares	Outperform Votes 202 60.48%	Underperform Votes 132 39.52%
Five Star Bancorp	Outperform Votes 77 62.10%	Underperform Votes 47 37.90%

Do analysts prefer UNB or FSBC?

Five Star Bancorp has a consensus target price of $35.00, indicating a potential upside of 27.04%. Given Five Star Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Five Star Bancorp is more favorable than Union Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Union Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Five Star Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Does the media refer more to UNB or FSBC?

In the previous week, Five Star Bancorp had 20 more articles in the media than Union Bankshares. MarketBeat recorded 21 mentions for Five Star Bancorp and 1 mentions for Union Bankshares. Union Bankshares' average media sentiment score of 1.30 beat Five Star Bancorp's score of 0.75 indicating that Union Bankshares is being referred to more favorably in the media.

Company	Overall Sentiment
Union Bankshares	Positive
Five Star Bancorp	Positive

Which has more risk & volatility, UNB or FSBC?

Union Bankshares has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500. Comparatively, Five Star Bancorp has a beta of 0.52, meaning that its stock price is 48% less volatile than the S&P 500.

Is UNB or FSBC more profitable?

Five Star Bancorp has a net margin of 21.40% compared to Union Bankshares' net margin of 11.74%. Union Bankshares' return on equity of 13.09% beat Five Star Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Union Bankshares	11.74%	13.09%	0.60%
Five Star Bancorp	21.40%	12.89%	1.25%

Is UNB or FSBC a better dividend stock?

Union Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 4.3%. Five Star Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.9%. Union Bankshares pays out 73.5% of its earnings in the form of a dividend. Five Star Bancorp pays out 35.1% 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.

Do insiders & institutionals hold more shares of UNB or FSBC?

14.8% of Union Bankshares shares are held by institutional investors. Comparatively, 46.9% of Five Star Bancorp shares are held by institutional investors. 1.1% of Union Bankshares shares are held by company insiders. Comparatively, 25.6% of Five Star Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Five Star Bancorp beats Union Bankshares on 14 of the 20 factors compared between the two stocks.