University Bancorp (OTCMKTS:UNIB – Get Free Report) and Peoples Bancorp of North Carolina (NASDAQ:PEBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, earnings, dividends, institutional ownership, analyst recommendations, risk and profitability.
Analyst Recommendations
This is a summary of current ratings and target prices for University Bancorp and Peoples Bancorp of North Carolina, as reported by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
University Bancorp | 0 | 0 | 0 | 0 | N/A |
Peoples Bancorp of North Carolina | 0 | 0 | 0 | 0 | N/A |
Volatility & Risk
Dividends
University Bancorp pays an annual dividend of $0.45 per share and has a dividend yield of 3.0%. Peoples Bancorp of North Carolina pays an annual dividend of $0.76 per share and has a dividend yield of 3.0%. Peoples Bancorp of North Carolina pays out 25.9% of its earnings in the form of a dividend. Peoples Bancorp of North Carolina has increased its dividend for 11 consecutive years. Peoples Bancorp of North Carolina is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Earnings and Valuation
This table compares University Bancorp and Peoples Bancorp of North Carolina”s revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
University Bancorp | $105.57 million | 0.75 | $5.43 million | N/A | N/A |
Peoples Bancorp of North Carolina | $69.88 million | 1.91 | $15.55 million | $2.93 | 8.60 |
Peoples Bancorp of North Carolina has lower revenue, but higher earnings than University Bancorp.
Insider & Institutional Ownership
43.8% of Peoples Bancorp of North Carolina shares are owned by institutional investors. 63.7% of University Bancorp shares are owned by insiders. Comparatively, 16.9% of Peoples Bancorp of North Carolina shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Profitability
This table compares University Bancorp and Peoples Bancorp of North Carolina’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
University Bancorp | N/A | N/A | N/A |
Peoples Bancorp of North Carolina | 15.80% | 13.85% | 1.00% |
Summary
Peoples Bancorp of North Carolina beats University Bancorp on 9 of the 12 factors compared between the two stocks.
About University Bancorp
University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it offers life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.
About Peoples Bancorp of North Carolina
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
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