First Seacoast Bancorp Inc. (FSEA) vs United Bancorp, Inc. (UBCP)
First Seacoast Bancorp Inc. and United Bancorp, Inc. are both Banks Regional companies. First Seacoast Bancorp Inc. and United Bancorp, Inc. are of similar size ($87.1M and $80.8M). First Seacoast Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; United Bancorp, Inc. trades at 10.7×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against 2.81%. United Bancorp, Inc. has the higher net margin (15.7% vs 0.15%) and the higher return on invested capital (4.58% vs −0.32%). Across the 17 metrics below, United Bancorp, Inc. leads on 11 and First Seacoast Bancorp Inc. on 6.
Valuation
Profitability
| Metric | FSEA | UBCP | Banks Regional median |
|---|---|---|---|
| Gross margin | 56.41% | 69.59% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 0.15% | 15.72% | 18.66% |
| Free cash flow margin | (0.21%) | (8.42%) | 21.18% |
| Return on equity | 0.07% | 11.50% | 10.64% |
| Return on assets | 0.01% | 0.88% | 1.13% |
| Return on invested capital | (0.32%) | 4.58% | 8.33% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack