UBCP vs. BKSC, FXNC, AMRB, GFED, FBIZ, ORRF, UNTY, ACNB, CZNC, and OBT
Should you be buying United Bancorp stock or one of its competitors? The main competitors of United Bancorp include Bank of South Carolina (BKSC), First National (FXNC), American River Bankshares (AMRB), Guaranty Federal Bancshares (GFED), First Business Financial Services (FBIZ), Orrstown Financial Services (ORRF), Unity Bancorp (UNTY), ACNB (ACNB), Citizens & Northern (CZNC), and Orange County Bancorp (OBT). These companies are all part of the "finance" sector.
Bank of South Carolina (NASDAQ:BKSC) and United Bancorp (NASDAQ:UBCP) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings, community ranking, media sentiment and profitability.
Bank of South Carolina pays an annual dividend of $0.68 per share and has a dividend yield of 5.5%. United Bancorp pays an annual dividend of $0.70 per share and has a dividend yield of 5.8%. Bank of South Carolina pays out 71.6% of its earnings in the form of a dividend. United Bancorp pays out 44.0% 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. United Bancorp has raised its dividend for 12 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Bank of South Carolina has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, United Bancorp has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500.
In the previous week, Bank of South Carolina and Bank of South Carolina both had 3 articles in the media. Bank of South Carolina's average media sentiment score of 1.19 beat United Bancorp's score of 0.51 indicating that United Bancorp is being referred to more favorably in the news media.
Bank of South Carolina received 98 more outperform votes than United Bancorp when rated by MarketBeat users. Likewise, 61.56% of users gave Bank of South Carolina an outperform vote while only 60.26% of users gave United Bancorp an outperform vote.
0.2% of Bank of South Carolina shares are held by institutional investors. Comparatively, 15.4% of United Bancorp shares are held by institutional investors. 29.8% of Bank of South Carolina shares are held by insiders. Comparatively, 11.7% of United Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
United Bancorp has a net margin of 21.47% compared to United Bancorp's net margin of 19.55%. Bank of South Carolina's return on equity of 15.23% beat United Bancorp's return on equity.
United Bancorp has higher revenue and earnings than Bank of South Carolina. United Bancorp is trading at a lower price-to-earnings ratio than Bank of South Carolina, indicating that it is currently the more affordable of the two stocks.
Summary
United Bancorp beats Bank of South Carolina on 11 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding UBCP 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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