Citigroup Inc. (C)vsUnited Bancorp Inc (UBCP)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
UBCP
United Bancorp Inc
$16.39
+2.63%
FINANCIAL SERVICES · Cap: $94.17M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 247452% more annual revenue ($78.73B vs $31.80M). UBCP leads profitability with a 24.4% profit margin vs 20.4%. UBCP trades at a lower P/E of 12.2x. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
UBCP
Buy58
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 32.7%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
17.4% revenue growth
Areas to Watch
ROE of 7.7% — below average capital efficiency
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bull Case : UBCP
The strongest argument for UBCP centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 32.7%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : UBCP
The primary concerns for UBCP are Market Cap, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.08 — expect wider price swings.
UBCP is growing revenue faster at 17.4% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (82/100 vs 58/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
United Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.
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