NSTS Bancorp, Inc. (NSTS) vs United Bancorp, Inc. (UBCP)
NSTS Bancorp, Inc. and United Bancorp, Inc. are both Banks Regional companies. United Bancorp, Inc. is the larger, with a market value of $87.1M against $74.1M — 1.2× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; United Bancorp, Inc. trades at 10.7×. NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against 6.21%. United Bancorp, Inc. has the higher net margin (15.7% vs −0.31%) and the higher return on invested capital (4.58% vs −0.09%). Across the 17 metrics below, NSTS Bancorp, Inc. leads on 11 and United Bancorp, Inc. on 6.
Valuation
Profitability
| Metric | NSTS | UBCP | Banks Regional median |
|---|---|---|---|
| Gross margin | 77.36% | 69.59% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (0.31%) | 15.72% | 18.66% |
| Free cash flow margin | 113.89% | (8.42%) | 21.18% |
| Return on equity | (0.05%) | 11.50% | 10.64% |
| Return on assets | (0.02%) | 0.88% | 1.13% |
| Return on invested capital | (0.09%) | 4.58% | 8.33% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack