Critical Survey: United Bancshares Inc. OH (NASDAQ:UBOH) & City (CHCO)

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United Bancshares Inc. OH (NASDAQ:UBOH) and City (NASDAQ:CHCO) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, profitability, analyst recommendations, earnings, valuation and risk.

Earnings & Valuation

This table compares United Bancshares Inc. OH and City’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
United Bancshares Inc. OH $43.79 million 1.72 $8.22 million N/A N/A
City $224.46 million 5.71 $70.00 million $5.16 15.02

City has higher revenue and earnings than United Bancshares Inc. OH.

Risk & Volatility

United Bancshares Inc. OH has a beta of 0.61, indicating that its stock price is 39% less volatile than the S&P 500. Comparatively, City has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and price targets for United Bancshares Inc. OH and City, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancshares Inc. OH 0 0 0 0 N/A
City 0 2 1 0 2.33

City has a consensus price target of $77.00, indicating a potential downside of 0.66%. Given City’s higher probable upside, analysts clearly believe City is more favorable than United Bancshares Inc. OH.

Profitability

This table compares United Bancshares Inc. OH and City’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Bancshares Inc. OH 18.80% 10.65% 1.02%
City 31.15% 15.26% 1.80%

Institutional & Insider Ownership

18.1% of United Bancshares Inc. OH shares are held by institutional investors. Comparatively, 71.5% of City shares are held by institutional investors. 6.4% of United Bancshares Inc. OH shares are held by company insiders. Comparatively, 3.8% of City shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Dividends

United Bancshares Inc. OH pays an annual dividend of $0.52 per share and has a dividend yield of 2.3%. City pays an annual dividend of $2.12 per share and has a dividend yield of 2.7%. City pays out 41.1% of its earnings in the form of a dividend. City has increased its dividend for 7 consecutive years. City is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

City beats United Bancshares Inc. OH on 13 of the 15 factors compared between the two stocks.

About United Bancshares Inc. OH

United Bancshares, Inc. operates as the bank holding company for The Union Bank Company that provides various commercial and retail banking products and services. The company accepts various deposits products, such as checking, savings, demand deposit, money market deposit, term certificate, and individual retirement accounts, as well as certificates of deposit. It also offers various loan products, including commercial, consumer, agricultural, residential mortgage, and home equity loans. In addition, the company provides wealth management, treasury management, online and mobile banking, safe deposit box rental, and other personalized banking services, as well as automatic teller machines. It operates through 17 branch offices located in Bowling Green, Columbus Grove, Delaware, Delphos, Findlay, Gahanna, Gibsonburg, Kalida, Leipsic, Lima, Marion, Ottawa, Pemberville, and Westerville Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.

About City

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company accepts various deposit products, such as checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of a residence; first-lien home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, and debit card services. As of January 31, 2018, the company operated through a network of 86 branches in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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