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First Northwest Bancorp (FNWB) vs United Bancorp, Inc. (UBCP)

First Northwest Bancorp and United Bancorp, Inc. are both Banks Regional companies. First Northwest Bancorp is the larger, with a market value of $91.6M against $77.6M — 1.2× the size. United Bancorp, Inc. trades at the lower P/E: 9.7× against 59.7×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against −4.89%. United Bancorp, Inc. has the higher net margin (15.7% vs 1.32%) and the higher return on invested capital (4.58% vs 0.13%). Only United Bancorp, Inc. pays a dividend (5.78%). Across the 18 metrics below, United Bancorp, Inc. leads on 10 and First Northwest Bancorp on 8.

Valuation

Metric FNWB UBCP Banks Regional median
P/E 59.74 9.71 11.98
P/S 0.75 1.52 2.34
P/B 0.54 1.02 1.19
Price to free cash flow 5.15 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.67% 10.30% 8.23%
Free cash flow yield 19.41% (5.53%) 9.08%

Profitability

Metric FNWB UBCP Banks Regional median
Gross margin 59.52% 69.59% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.32% 15.72% 18.66%
Free cash flow margin 14.57% (8.42%) 21.11%
Return on equity 0.97% 11.50% 10.65%
Return on assets 0.07% 0.88% 1.13%
Return on invested capital 0.13% 4.58% 8.35%

Growth

Metric FNWB UBCP Banks Regional median
Revenue growth (TTM) (4.89%) 6.21% 6.98%
EPS growth (last fiscal year) 36.00% 5.51% 18.88%
Revenue growth, 5-year CAGR 11.93% 6.58% 12.38%
Net income growth, 5-year CAGR 0.00% (0.46%) 9.71%

Health

Metric FNWB UBCP Banks Regional median
Debt to equity 1.98 1.10 0.22
Current ratio 1.04 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB UBCP Banks Regional median
Dividend yield 0.00% 5.78% 2.57%
Payout ratio 0.00 0.56 0.30

Size

Metric FNWB UBCP Banks Regional median
Market cap 91.60m 77.55m 913.33m

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