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.
United Bancshares (NASDAQ:UBOH) and Old Point Financial (NASDAQ:OPOF) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their community ranking, media sentiment, earnings, analyst recommendations, institutional ownership, dividends, risk, valuation and profitability.
United Bancshares has higher earnings, but lower revenue 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.
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 55.74% of users gave Old Point Financial an outperform vote.
United Bancshares has a beta of 0.33, indicating that its stock price is 67% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.27, indicating that its stock price is 73% less volatile than the S&P 500.
1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 33.4% of Old Point Financial shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by insiders. Comparatively, 21.1% of Old Point Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
United Bancshares has a net margin of 15.33% compared to Old Point Financial's net margin of 7.71%. United Bancshares' return on equity of 11.85% beat Old Point Financial's return on equity.
United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 4.8%. Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 3.9%. United Bancshares pays out 31.3% of its earnings in the form of a dividend. Old Point Financial pays out 44.4% 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 Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.
In the previous week, Old Point Financial had 3 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for Old Point Financial and 0 mentions for United Bancshares. Old Point Financial's average media sentiment score of 0.96 beat United Bancshares' score of 0.00 indicating that Old Point Financial is being referred to more favorably in the news media.
Summary
United Bancshares beats Old Point Financial 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 UBOH 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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