United Bancorp (UBCP) Competitors

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

Which has preferable valuation and earnings, BKSC or UBCP?

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of South Carolina	$26.08M	2.84	$5.49M	$1.14	11.90
United Bancorp	$40.90M	1.82	$8.95M	$1.38	9.31

Which has more volatility and risk, BKSC or UBCP?

Bank of South Carolina has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500. Comparatively, United Bancorp has a beta of 0.41, indicating that its share price is 59% less volatile than the S&P 500.

Does the MarketBeat Community believe in BKSC or UBCP?

Bank of South Carolina received 98 more outperform votes than United Bancorp when rated by MarketBeat users. However, 60.26% of users gave United Bancorp an outperform vote while only 57.62% of users gave Bank of South Carolina an outperform vote.

Company	Underperform	Outperform
Bank of South Carolina	Outperform Votes 189 57.62%	Underperform Votes 139 42.38%
United Bancorp	Outperform Votes 91 60.26%	Underperform Votes 60 39.74%

Do insiders and institutionals believe in BKSC or UBCP?

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

Does the media refer more to BKSC or UBCP?

In the previous week, United Bancorp had 3 more articles in the media than Bank of South Carolina. MarketBeat recorded 4 mentions for United Bancorp and 1 mentions for Bank of South Carolina. United Bancorp's average media sentiment score of 1.02 beat Bank of South Carolina's score of 0.00 indicating that United Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank of South Carolina	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
United Bancorp	1 Very Positive mention(s)	2 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is BKSC or UBCP more profitable?

Bank of South Carolina has a net margin of 22.15% compared to United Bancorp's net margin of 18.28%. Bank of South Carolina's return on equity of 13.18% beat United Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank of South Carolina	22.15%	13.18%	1.03%
United Bancorp	18.28%	12.56%	0.96%

Is BKSC or UBCP a better dividend stock?

Bank of South Carolina pays an annual dividend of $0.76 per share and has a dividend yield of 5.6%. United Bancorp pays an annual dividend of $0.71 per share and has a dividend yield of 5.5%. Bank of South Carolina pays out 66.7% of its earnings in the form of a dividend. United Bancorp pays out 51.4% 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 increased its dividend for 12 consecutive years.

Summary

Bank of South Carolina and United Bancorp tied by winning 9 of the 18 factors compared between the two stocks.