United Bancshares (NASDAQ:UBOH) and Carter Bankshares (NASDAQ:CARE) Financial Contrast

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

Profitability

This table compares United Bancshares and Carter Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
United Bancshares	14.84%	N/A	N/A
Carter Bankshares	10.09%	6.50%	0.53%

Valuation & Earnings

This table compares United Bancshares and Carter Bankshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
United Bancshares	$46.23 million	1.79	$9.15 million	$3.40	8.16
Carter Bankshares	$135.74 million	2.77	$24.52 million	$1.20	13.53

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

Institutional and Insider Ownership

1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 41.5% of Carter Bankshares shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by company insiders. Comparatively, 2.2% of Carter Bankshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility & Risk

United Bancshares has a beta of 0.06, suggesting that its share price is 94% less volatile than the S&P 500. Comparatively, Carter Bankshares has a beta of 0.77, suggesting that its share price is 23% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for United Bancshares and Carter Bankshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Bancshares	0	0	0	0	0.00
Carter Bankshares	0	0	2	0	3.00

Carter Bankshares has a consensus target price of $21.50, indicating a potential upside of 32.39%. Given Carter Bankshares’ stronger consensus rating and higher probable upside, analysts plainly believe Carter Bankshares is more favorable than United Bancshares.

Summary

Carter Bankshares beats United Bancshares on 11 of the 14 factors compared between the two stocks.

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.

About Carter Bankshares

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.