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Screener Weekly Summary Pricing

Fifth District Bancorp, Inc. (FDSB) vs United Bancorp, Inc. (UBCP)

Fifth District Bancorp, Inc. and United Bancorp, Inc. are both Banks Regional companies. Fifth District Bancorp, Inc. and United Bancorp, Inc. are of similar size ($93.3M and $87.1M). United Bancorp, Inc. trades at the lower P/E: 10.7× against 52.6×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against −6.98%. United Bancorp, Inc. has the higher net margin (15.7% vs 6.97%) and the higher return on invested capital (4.58% vs 1.10%). Across the 16 metrics below, United Bancorp, Inc. leads on 10 and Fifth District Bancorp, Inc. on 6.

Valuation

Metric FDSB UBCP Banks Regional median
P/E 52.65 10.74 12.15
P/S 3.67 1.68 2.37
P/B 0.68 1.13 1.21
Price to free cash flow 69.18 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 2.37 2.27
Earnings yield 1.90% 9.31% 8.11%
Free cash flow yield 1.45% (5.00%) 8.98%

Profitability

Metric FDSB UBCP Banks Regional median
Gross margin 62.97% 69.59% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% 15.72% 18.66%
Free cash flow margin 5.31% (8.42%) 21.18%
Return on equity 1.27% 11.50% 10.64%
Return on assets 0.31% 0.88% 1.13%
Return on invested capital 1.10% 4.58% 8.33%

Growth

Metric FDSB UBCP Banks Regional median
Revenue growth (TTM) (6.98%) 6.21% 6.61%
EPS growth (last fiscal year) 480.95% 5.51% —
Revenue growth, 5-year CAGR — 6.58% 12.30%
Net income growth, 5-year CAGR — (0.46%) 9.71%

Health

Metric FDSB UBCP Banks Regional median
Debt to equity 0.05 1.10 0.22
Current ratio 1.06 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDSB UBCP Banks Regional median
Dividend yield — 5.71% 3.75%
Payout ratio — 0.42 0.27

Size

Metric FDSB UBCP Banks Regional median
Market cap 93.30m 87.07m 921.07m

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