UBCP vs. BKSC, AUBN, FUSB, BRBS, PBHC, BAFN, SBFG, BOTJ, CIZN, and FXNC
Should you be buying United Bancorp stock or one of its competitors? The main competitors of United Bancorp include Bank of South Carolina (BKSC), Auburn National Bancorporation (AUBN), First US Bancshares (FUSB), Blue Ridge Bankshares (BRBS), Pathfinder Bancorp (PBHC), BayFirst Financial (BAFN), SB Financial Group (SBFG), Bank of the James Financial Group (BOTJ), Citizens (CIZN), and First National (FXNC). These companies are all part of the "state commercial banks" industry.
United Bancorp (NASDAQ:UBCP) and Bank of South Carolina (NASDAQ:BKSC) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, risk, earnings, institutional ownership, media sentiment, profitability, community ranking, dividends and analyst recommendations.
In the previous week, Bank of South Carolina had 2 more articles in the media than United Bancorp. MarketBeat recorded 3 mentions for Bank of South Carolina and 1 mentions for United Bancorp. United Bancorp's average media sentiment score of 0.52 beat Bank of South Carolina's score of 0.00 indicating that United Bancorp is being referred to more favorably in the media.
15.4% of United Bancorp shares are held by institutional investors. Comparatively, 0.2% of Bank of South Carolina shares are held by institutional investors. 11.7% of United Bancorp shares are held by insiders. Comparatively, 29.8% of Bank of South Carolina shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
United Bancorp has a net margin of 21.47% compared to Bank of South Carolina's net margin of 19.55%. United Bancorp's return on equity of 15.23% beat Bank of South Carolina's return on equity.
Bank of South Carolina received 98 more outperform votes than United Bancorp when rated by MarketBeat users. Likewise, 61.97% of users gave Bank of South Carolina an outperform vote while only 60.26% of users gave United Bancorp an outperform vote.
United Bancorp pays an annual dividend of $0.69 per share and has a dividend yield of 5.6%. Bank of South Carolina pays an annual dividend of $0.68 per share and has a dividend yield of 5.3%. United Bancorp pays out 43.4% of its earnings in the form of a dividend. Bank of South Carolina pays out 71.6% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio.
United Bancorp has a beta of 0.4, indicating that its stock price is 60% less volatile than the S&P 500. Comparatively, Bank of South Carolina has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500.
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 10 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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