United Bancshares Inc. OH (UBOH) versus Bank of America (BAC) Head to Head Survey

United Bancshares Inc. OH (NASDAQ:UBOH) and Bank of America (NYSE:BAC) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, risk, institutional ownership, profitability and analyst recommendations.

Dividends

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United Bancshares Inc. OH pays an annual dividend of $0.48 per share and has a dividend yield of 2.1%. Bank of America pays an annual dividend of $0.60 per share and has a dividend yield of 2.1%. Bank of America pays out 23.0% of its earnings in the form of a dividend. Bank of America has raised its dividend for 5 consecutive years.

Insider and Institutional Ownership

17.8% of United Bancshares Inc. OH shares are held by institutional investors. Comparatively, 64.8% of Bank of America shares are held by institutional investors. 6.4% of United Bancshares Inc. OH shares are held by company insiders. Comparatively, 0.1% of Bank of America shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
United Bancshares Inc. OH	15.68%	8.75%	0.83%
Bank of America	25.45%	11.66%	1.21%

Valuation & Earnings

This table compares United Bancshares Inc. OH and Bank of America’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
United Bancshares Inc. OH	$31.95 million	2.29	$3.84 million	N/A	N/A
Bank of America	$110.58 billion	2.70	$28.15 billion	$2.61	11.15

Bank of America has higher revenue and earnings than United Bancshares Inc. OH.

Analyst Ratings

This is a summary of recent ratings and target prices for United Bancshares Inc. OH and Bank of America, 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
Bank of America	0	7	7	0	2.50

Bank of America has a consensus price target of $33.30, indicating a potential upside of 14.39%. Given Bank of America’s higher possible upside, analysts clearly believe Bank of America is more favorable than United Bancshares Inc. OH.

Volatility & Risk

United Bancshares Inc. OH has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, Bank of America has a beta of 1.45, indicating that its stock price is 45% more volatile than the S&P 500.

Summary

Bank of America beats United Bancshares Inc. OH on 12 of the 15 factors compared between the two stocks.

United Bancshares Inc. OH Company Profile

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.

Bank of America Company Profile

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small- and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, CDs and IRAs, noninterest- and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. This segment provides its products and services through approximately 4,500 financial centers; 16,000 ATMs; call centers; and digital banking platforms. The GWIM segment offers investment management, brokerage, banking, and trust and retirement products; and wealth management solutions targeted to high net worth and ultra high net worth clients, as well as customized solutions to meet clients' wealth structuring, investment management, and trust and banking needs, including specialty asset management services. The Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1874 and is based in Charlotte, North Carolina.