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FIRST US BANCSH (FUSB) vs United Bancorp, Inc. (UBCP)

FIRST US BANCSH and United Bancorp, Inc. are both Banks Regional companies. FIRST US BANCSH and United Bancorp, Inc. are of similar size ($84.5M and $83.3M). United Bancorp, Inc. trades at the lower P/E: 10.4× against 11.9×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against 3.13%. United Bancorp, Inc. has the higher net margin (15.7% vs 12.2%) and the lower return on invested capital (4.58% vs 15.4%). Both pay a dividend; United Bancorp, Inc. yields more (5.42% vs 1.71%). Across the 18 metrics below, FIRST US BANCSH leads on 9 and United Bancorp, Inc. on 9.

Valuation

Metric FUSB UBCP Banks Regional median
P/E 11.88 10.36 12.02
P/S 1.39 1.62 2.36
P/B 0.92 1.09 1.23
Price to free cash flow 8.65 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.41% 9.65% 8.21%
Free cash flow yield 11.56% (5.18%) 9.23%

Profitability

Metric FUSB UBCP Banks Regional median
Gross margin 65.71% 69.59% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.15% 15.72% 18.82%
Free cash flow margin 17.36% (8.42%) 17.97%
Return on equity 7.75% 11.50% 10.28%
Return on assets 0.67% 0.88% 1.13%
Return on invested capital 15.39% 4.58% 8.45%

Growth

Metric FUSB UBCP Banks Regional median
Revenue growth (TTM) 3.13% 6.21% 6.37%
EPS growth (last fiscal year) (24.81%) 5.51% 18.85%
Revenue growth, 5-year CAGR 6.78% 6.58% 12.65%
Net income growth, 5-year CAGR 17.22% (0.46%) 9.81%

Health

Metric FUSB UBCP Banks Regional median
Debt to equity 0.11 1.10 0.17
Current ratio 0.90 0.76 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FUSB UBCP Banks Regional median
Dividend yield 1.71% 5.42% 2.49%
Payout ratio 0.21 0.56 0.29

Size

Metric FUSB UBCP Banks Regional median
Market cap 84.47m 83.28m 934.85m

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