UBOH vs. OPOF, OPHC, ASRV, CFBK, PNBK, MRBK, LARK, FNCB, UBFO, and HWBK Should you be buying United Bancshares stock or one of its competitors? The main competitors of United Bancshares include Old Point Financial (OPOF), OptimumBank (OPHC), AmeriServ Financial (ASRV), CF Bankshares (CFBK), Patriot National Bancorp (PNBK), Meridian (MRBK), Landmark Bancorp (LARK), FNCB Bancorp (FNCB), United Security Bancshares (UBFO), and Hawthorn Bancshares (HWBK). These companies are all part of the "national commercial banks" industry.
Old Point Financial (NASDAQ:OPOF ) and United Bancshares (NASDAQ:UBOH ) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, media sentiment, risk, valuation, community ranking and earnings.
In the previous week, Old Point Financial had 6 more articles in the media than United Bancshares. MarketBeat recorded 6 mentions for Old Point Financial and 0 mentions for United Bancshares. United Bancshares' average media sentiment score of 0.92 beat Old Point Financial's score of 0.00 indicating that Old Point Financial is being referred to more favorably in the media.
Old Point Financial has a beta of 0.27, suggesting that its share price is 73% less volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500.
Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 3.8%. United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 4.7%. Old Point Financial pays out 44.4% 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. Old Point Financial has raised its dividend for 3 consecutive years and United Bancshares has raised its dividend for 1 consecutive years. United Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.
Old Point Financial received 90 more outperform votes than United Bancshares when rated by MarketBeat users. However, 60.15% of users gave United Bancshares an outperform vote while only 55.56% of users gave Old Point Financial an outperform vote.
United Bancshares has a net margin of 15.33% compared to United Bancshares' net margin of 7.71%. Old Point Financial's return on equity of 11.85% beat United Bancshares' return on equity.
United Bancshares has lower revenue, but higher earnings than Old Point Financial. United Bancshares is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.
33.4% of Old Point Financial shares are held by institutional investors. Comparatively, 1.0% of United Bancshares shares are held by institutional investors. 21.1% of Old Point 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, hedge funds and endowments believe a company will outperform the market over the long term.
Summary United Bancshares beats Old Point Financial on 10 of the 18 factors compared between the two stocks.
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 Chart 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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