FirstSun Capital Bancorp (NASDAQ:FSUN – Get Free Report) and United Bancorp (NASDAQ:UBCP – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, profitability, institutional ownership, valuation and earnings.
Insider & Institutional Ownership
15.4% of United Bancorp shares are held by institutional investors. 12.5% of FirstSun Capital Bancorp shares are held by company insiders. Comparatively, 12.9% of United Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a summary of recent ratings for FirstSun Capital Bancorp and United Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FirstSun Capital Bancorp | 0 | 1 | 3 | 0 | 2.75 |
| United Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Earnings & Valuation
This table compares FirstSun Capital Bancorp and United Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FirstSun Capital Bancorp | $549.33 million | 1.91 | $75.63 million | $3.16 | 11.91 |
| United Bancorp | $43.98 million | 1.88 | $7.40 million | $1.30 | 11.04 |
FirstSun Capital Bancorp has higher revenue and earnings than United Bancorp. United Bancorp is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares FirstSun Capital Bancorp and United Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FirstSun Capital Bancorp | 15.94% | 9.00% | 1.17% |
| United Bancorp | 16.39% | 12.09% | 0.90% |
Risk and Volatility
FirstSun Capital Bancorp has a beta of 0.8, meaning that its stock price is 20% less volatile than the S&P 500. Comparatively, United Bancorp has a beta of 0.39, meaning that its stock price is 61% less volatile than the S&P 500.
Summary
FirstSun Capital Bancorp beats United Bancorp on 9 of the 14 factors compared between the two stocks.
About FirstSun Capital Bancorp
FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.
About United Bancorp
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company provides range of banking and financial services, which includes accepting demand, savings, and time deposits. It also offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
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