Critical analysis: BNCCORP (OTCMKTS: BNCC) and United Bancshares (NASDAQ: UBOH)


BNC CORP (OTCMKTS: BNCCGet a rating) and United Bancshares (NASDAQ: UBOHGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on valuation strength, profitability, institutional ownership, risk, earnings, dividends, and analyst recommendations.

Analyst Notes

This is a breakdown of recent recommendations and price targets for BNCCORP and United Bancshares, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
BNC CORP 0 0 0 0 N / A
United Bancshares 0 0 0 0 N / A

Profitability

This table compares the net margins, return on equity and return on assets of BNCCORP and United Bancshares.

Net margins Return on equity return on assets
BNC CORP 21.43% 11.13% 1.32%
United Bancshares 22.71% 10.65% 1.12%

Insider and Institutional Ownership

0.0% of BNCCORP shares are held by institutional investors. By comparison, 33.2% of United Bancshares shares are held by institutional investors. 28.4% of BNCCORP shares are held by insiders. By comparison, 6.6% of United Bancshares shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Valuation and benefits

This table compares the revenue, earnings per share (EPS) and valuation of BNCCORP and United Bancshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
BNC CORP $78.14 million 1.33 $21.95 million $3.82 7.60
United Bancshares $56.15 million 1.64 $13.58 million $3.58 7.85

BNCCORP has higher revenue and profit than United Bancshares. BNCCORP trades at a lower price-to-earnings ratio than United Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

BNCCORP has a beta of 1.22, indicating that its stock price is 22% more volatile than the S&P 500. In contrast, United Bancshares has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500.

Summary

BNCCORP beats United Bancshares on 7 of the 11 factors compared between the two stocks.

BNCCORP Company Profile (Get a rating)

BNCCORP, Inc. operates as a bank holding company for BNC National Bank which provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The Company offers commercial banking services, including business financing, commercial real estate loans, small business administration loans, business audits, cash management, business credit cards and merchant services to small and medium-sized enterprises. It also provides retail banking and mortgage services, such as personal checking and savings products, personal loans and card services; and residential loans through a direct-to-consumer channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services and personal wealth advisory services. It offers community banking and wealth management services in 11 locations in Arizona and North Dakota; and mortgage banking through 9 locations in Arizona, North Dakota, Illinois, Kansas and Michigan. The company was incorporated in 1987 and is based in Bismarck, North Dakota.

United Bancshares Company Profile (Get a rating)

United Bancshares, Inc. operates as a bank holding company for The Union Bank Company which provides various business and consumer banking services. The Company accepts various deposit products, such as checks, savings, demand deposits, money market deposits, term certificates and individual retirement accounts, as well as certificates of deposit. Its lending products include commercial and residential real estate, agriculture, trade and industry, home equity and various types of small business consumer and administrative loans. The company also offers wealth management, financial needs analysis, mutual fund, securities trading, annuity and life insurance services; and cash management, online and mobile banking, ATM, bill payment, safe rental, payment and other personalized services. It operates eighteen full-service banking centers and three loan origination offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.



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