United Bancorp (UBCP) Competitors

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

Do analysts rate UBCP or INBK?

First Internet Bancorp has a consensus price target of $43.63, suggesting a potential upside of 22.96%. Given First Internet Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe First Internet Bancorp 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 Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the MarketBeat Community favor UBCP or INBK?

First Internet Bancorp received 171 more outperform votes than United Bancorp when rated by MarketBeat users. Likewise, 61.94% of users gave First Internet Bancorp 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 Internet Bancorp	Outperform Votes 262 61.94%	Underperform Votes 161 38.06%

Which has more volatility and risk, UBCP or INBK?

United Bancorp has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.73, meaning that its share price is 27% less volatile than the S&P 500.

Is UBCP or INBK more profitable?

United Bancorp has a net margin of 18.28% compared to First Internet Bancorp's net margin of 6.92%. United Bancorp's return on equity of 12.56% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
United Bancorp	18.28%	12.56%	0.96%
First Internet Bancorp	6.92%	6.06%	0.42%

Which has stronger valuation & earnings, UBCP or INBK?

United Bancorp has higher earnings, but lower revenue than First Internet Bancorp. United Bancorp is trading at a lower price-to-earnings ratio than First Internet 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	$40.90M	1.80	$8.95M	$1.38	9.20
First Internet Bancorp	$265.57M	1.16	$8.42M	$2.54	13.97

Does the media refer more to UBCP or INBK?

In the previous week, United Bancorp and United Bancorp both had 3 articles in the media. United Bancorp's average media sentiment score of 0.70 beat First Internet Bancorp's score of 0.53 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	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Internet Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is UBCP or INBK a better dividend stock?

United Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 5.7%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.7%. United Bancorp pays out 52.2% of its earnings in the form of a dividend. First Internet Bancorp pays out 9.4% 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 12 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do insiders & institutionals believe in UBCP or INBK?

15.4% of United Bancorp shares are held by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are held by institutional investors. 11.7% of United Bancorp shares are held by insiders. Comparatively, 7.8% of First Internet Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

First Internet Bancorp beats United Bancorp on 11 of the 20 factors compared between the two stocks.