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Summit State Bank (SSBI) vs United Bancorp, Inc. (UBCP)

Summit State Bank and United Bancorp, Inc. are both Banks Regional companies. Summit State Bank and United Bancorp, Inc. are of similar size ($83.3M and $77.1M). United Bancorp, Inc. trades at the lower P/E: 10.4× against 33.6×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against −7.63%. United Bancorp, Inc. has the higher net margin (15.7% vs 3.87%) and the higher return on invested capital (4.58% vs 0.00%). Only United Bancorp, Inc. pays a dividend (5.42%). Across the 17 metrics below, United Bancorp, Inc. leads on 9 and Summit State Bank on 8.

Valuation

Metric SSBI UBCP Banks Regional median
P/E 33.59 10.36 12.02
P/S 1.32 1.62 2.36
P/B n/m 1.09 1.23
Price to free cash flow 12.75 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.98% 9.65% 8.21%
Free cash flow yield 7.84% (5.18%) 9.23%

Profitability

Metric SSBI UBCP Banks Regional median
Gross margin 100.00% 69.59% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 3.87% 15.72% 18.82%
Free cash flow margin 0.00% (8.42%) 17.97%
Return on equity 0.00% 11.50% 10.28%
Return on assets 0.00% 0.88% 1.13%
Return on invested capital 0.00% 4.58% 8.45%

Growth

Metric SSBI UBCP Banks Regional median
Revenue growth (TTM) (7.63%) 6.21% 6.37%
EPS growth (last fiscal year) 287.04% 5.51% 18.85%
Revenue growth, 5-year CAGR 7.55% 6.58% 12.65%
Net income growth, 5-year CAGR (8.36%) (0.46%) 9.81%

Health

Metric SSBI UBCP Banks Regional median
Debt to equity 0.08 1.10 0.17
Current ratio 0.91 0.76 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SSBI UBCP Banks Regional median
Dividend yield 0.00% 5.42% 2.49%
Payout ratio 0.00 0.56 0.29

Size

Metric SSBI UBCP Banks Regional median
Market cap 77.13m 83.28m 934.85m

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