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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. is the larger, with a market value of $88.4M against $77.6M — 1.1× the size. United Bancorp, Inc. trades at the lower P/E: 9.7× against 49.7×. 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 15 metrics below, United Bancorp, Inc. leads on 9 and Fifth District Bancorp, Inc. on 6.

Valuation

Metric FDSB UBCP Banks Regional median
P/E 49.71 9.71 11.98
P/S 3.47 1.52 2.34
P/B 0.64 1.02 1.19
Price to free cash flow 65.32 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.01% 10.30% 8.23%
Free cash flow yield 1.53% (5.53%) 9.08%

Profitability

Metric FDSB UBCP Banks Regional median
Gross margin 62.97% 69.59% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% 15.72% 18.66%
Free cash flow margin 5.31% (8.42%) 21.11%
Return on equity 1.27% 11.50% 10.65%
Return on assets 0.31% 0.88% 1.13%
Return on invested capital 1.10% 4.58% 8.35%

Growth

Metric FDSB UBCP Banks Regional median
Revenue growth (TTM) (6.98%) 6.21% 6.98%
EPS growth (last fiscal year) 480.95% 5.51% 18.88%
Revenue growth, 5-year CAGR — 6.58% 12.38%
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 — 5.78% 2.57%
Payout ratio — 0.56 0.30

Size

Metric FDSB UBCP Banks Regional median
Market cap 88.43m 77.55m 913.33m

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