Comparing United Bancshares (NASDAQ:UBOH) and Lyons Bancorp (OTCMKTS:LYBC)

Earnings & Valuation

This table compares Lyons Bancorp and United Bancshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lyons Bancorp	$70.28 million	1.96	$17.35 million	$4.45	9.21
United Bancshares	$46.23 million	1.71	$8.61 million	$2.82	9.40

Lyons Bancorp has higher revenue and earnings than United Bancshares. Lyons Bancorp is trading at a lower price-to-earnings ratio than United Bancshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Lyons Bancorp and United Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Lyons Bancorp	N/A	N/A	N/A
United Bancshares	14.34%	N/A	N/A

Volatility & Risk

Lyons Bancorp has a beta of -0.07, indicating that its stock price is 107% less volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500.

Insider & Institutional Ownership

0.3% of Lyons Bancorp shares are held by institutional investors. Comparatively, 1.0% of United Bancshares shares are held by institutional investors. 6.6% of United Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Dividends

Lyons Bancorp pays an annual dividend of $1.60 per share and has a dividend yield of 3.9%. United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 3.3%. Lyons Bancorp pays out 36.0% of its earnings in the form of a dividend. United Bancshares pays out 31.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

United Bancshares beats Lyons Bancorp on 6 of the 11 factors compared between the two stocks.

About Lyons Bancorp

Lyons Bancorp Inc. operates as a financial holding company for The Lyons National Bank that provides a range of commercial and retail banking services to individual and small business customers. It offers checking accounts, savings accounts, individual retirement accounts, and certificates of deposit; commercial real estate, agricultural real estate, commercial and agricultural, and consumer instalment loans; and residential real estate loans, such as classes for 1-4 family and home equity loans, as well as consumer loans comprising recreational, auto, personal, personal line of credit, and home improvement loans; financial services, including retirement strategy, investment management, education savings, life insurance, long-term care insurance, and employer and employee benefit services. The company also provides mortgage, online and mobile banking, telephone banking, credit and debit card, online cash management, merchant, safe deposit boxes, wire transfer, traveller program, online bill pay, e-statements, money orders, and official checks services. It operates branches in Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga counties, New York. The company was founded in 1852 and is headquartered in Lyons, New York.

About United Bancshares

United Bancshares, Inc. operates as the bank holding company for The Union Bank Company that provides various commercial and consumer banking 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. Its loan products include commercial and residential real estate, agricultural, commercial and industrial, home equity, and various types of consumer and small business administration loans. In addition, the company offers wealth management, financial needs analysis, mutual funds, securities trading, annuities, and life insurance services; and treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. It also operates full service banking centers and loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.