Sterling Bancorp (SBT) & United Community Bancorp (UCBA) Head-To-Head Survey

Sterling Bancorp (NASDAQ:SBT) and United Community Bancorp (NASDAQ:UCBA) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, analyst recommendations, profitability and institutional ownership.

Analyst Ratings

This is a summary of current ratings and price targets for Sterling Bancorp and United Community Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sterling Bancorp 0 0 1 0 3.00
United Community Bancorp 0 0 0 0 N/A

Sterling Bancorp currently has a consensus target price of $13.00, indicating a potential upside of 34.02%. Given Sterling Bancorp’s higher probable upside, equities analysts plainly believe Sterling Bancorp is more favorable than United Community Bancorp.

Dividends

Sterling Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. United Community Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. United Community Bancorp has increased its dividend for 2 consecutive years. United Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

31.5% of Sterling Bancorp shares are held by institutional investors. Comparatively, 36.4% of United Community Bancorp shares are held by institutional investors. 3.0% of Sterling Bancorp shares are held by insiders. Comparatively, 9.7% of United Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Sterling Bancorp and United Community Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Sterling Bancorp $183.81 million 2.80 $63.47 million N/A N/A
United Community Bancorp N/A N/A N/A N/A N/A

Sterling Bancorp has higher revenue and earnings than United Community Bancorp.

Profitability

This table compares Sterling Bancorp and United Community Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Sterling Bancorp 34.53% 20.88% 2.04%
United Community Bancorp N/A N/A N/A

Summary

Sterling Bancorp beats United Community Bancorp on 6 of the 10 factors compared between the two stocks.

About Sterling Bancorp

Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco and Los Angeles, California and New York City, and a loan production office in Seattle, Washington. Sterling offers a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan. Sterling was named as the top performing community bank in the United States with total assets between $1 billion and $10 billion in 2017 by SNL/S&P Global Market Intelligence.

About United Community Bancorp

United Community Bancorp operates as the bank holding company for United Community Bank that provides various banking products and services to consumers and businesses in Southeastern Indiana. Its deposit products include noninterest-bearing demand accounts, including checking accounts; interest-bearing accounts, such as interest-bearing checking and money market accounts; regular savings accounts; and certificates of deposit, as well as municipal deposits. The company also provides one-to four-family residential real estate, multi-family real estate, nonresidential real estate and land, construction, agricultural, and commercial loans, as well as consumer loans comprising home equity loans and lines of credit, loans secured by savings accounts or certificates of deposit, new farm and garden equipment loans, new and used automobiles loans, recreational vehicle loans, and secured and unsecured personal loans. It operates through five branches located in Dearborn County and three branches located in adjacent Ripley County in Indiana. The company was founded in 1999 and is headquartered in Lawrenceburg, Indiana.

Receive News & Ratings for Sterling Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Sterling Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.

Leave a Reply