United Bancorp (UBCP) Competitors

United Bancorp (NASDAQ:UBCP) and First Bank (NASDAQ:FRBA) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their community ranking, analyst recommendations, profitability, risk, institutional ownership, dividends, media sentiment, valuation and earnings.

Does the media prefer UBCP or FRBA?

In the previous week, First Bank had 2 more articles in the media than United Bancorp. MarketBeat recorded 5 mentions for First Bank and 3 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.38 beat First Bank's score of 0.17 indicating that United Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
United Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Bank	0 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts prefer UBCP or FRBA?

First Bank has a consensus target price of $17.00, indicating a potential upside of 14.63%. Given First Bank's stronger consensus rating and higher possible upside, analysts clearly believe First Bank is more favorable than United Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
First Bank	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has more volatility & risk, UBCP or FRBA?

United Bancorp has a beta of 0.38, meaning that its share price is 62% less volatile than the S&P 500. Comparatively, First Bank has a beta of 0.94, meaning that its share price is 6% less volatile than the S&P 500.

Do insiders & institutionals have more ownership in UBCP or FRBA?

15.4% of United Bancorp shares are owned by institutional investors. Comparatively, 64.9% of First Bank shares are owned by institutional investors. 12.9% of United Bancorp shares are owned by company insiders. Comparatively, 13.1% of First Bank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Does the MarketBeat Community believe in UBCP or FRBA?

First Bank received 159 more outperform votes than United Bancorp when rated by MarketBeat users. Likewise, 63.29% of users gave First Bank an outperform vote while only 60.26% of users gave United Bancorp an outperform vote.

Company	Underperform	Outperform
United Bancorp	Outperform Votes 91 60.26%	Underperform Votes 60 39.74%
First Bank	Outperform Votes 250 63.29%	Underperform Votes 145 36.71%

Which has higher earnings and valuation, UBCP or FRBA?

First Bank has higher revenue and earnings than United Bancorp. First Bank is trading at a lower price-to-earnings ratio than United Bancorp, 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
United Bancorp	$29.26M	2.79	$7.40M	$1.27	10.77
First Bank	$129.85M	2.23	$42.24M	$1.67	8.88

Is UBCP or FRBA more profitable?

First Bank has a net margin of 18.41% compared to United Bancorp's net margin of 16.83%. United Bancorp's return on equity of 11.73% beat First Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
United Bancorp	16.83%	11.73%	0.90%
First Bank	18.41%	11.06%	1.19%

Is UBCP or FRBA a better dividend stock?

United Bancorp pays an annual dividend of $0.73 per share and has a dividend yield of 5.3%. First Bank pays an annual dividend of $0.24 per share and has a dividend yield of 1.6%. United Bancorp pays out 57.5% of its earnings in the form of a dividend. First Bank pays out 14.4% 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 13 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

First Bank beats United Bancorp on 15 of the 21 factors compared between the two stocks.