United Bancorp Inc (UBCP)vsU.S. Bancorp (USB)
UBCP
United Bancorp Inc
$16.08
+1.10%
FINANCIAL SERVICES · Cap: $91.34M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 82451% more annual revenue ($26.65B vs $32.28M). USB leads profitability with a 29.3% profit margin vs 24.1%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 71/100 (B).
UBCP
Buy50
out of 100
Grade: C-
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 22.2%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
3.8% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
Negative free cash flow — burning cash
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UBCP
The strongest argument for UBCP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 22.2%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : UBCP
The primary concerns for UBCP are EPS Growth, Market Cap, Debt/Equity. Debt-to-equity of 1.74 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
UBCP profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
UBCP is growing revenue faster at 6.4% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 50/100), backed by strong 29.3% margins. Both earn "Strong 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.
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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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