Head-To-Head Survey: NatWest Group (OTCMKTS:RBSPF) & United Bancorp (NASDAQ:UBCP)

NatWest Group (OTCMKTS:RBSPF) and United Bancorp (NASDAQ:UBCP) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, profitability, institutional ownership, earnings, analyst recommendations and valuation.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
NatWest Group	20.10%	14.01%	0.82%
United Bancorp	16.55%	11.53%	0.92%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for NatWest Group and United Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NatWest Group	0	0	1	0	3.00
United Bancorp	0	0	1	0	3.00

Risk and Volatility

NatWest Group has a beta of 0.95, meaning that its stock price is 5% less volatile than the S&P 500. Comparatively, United Bancorp has a beta of 0.32, meaning that its stock price is 68% less volatile than the S&P 500.

Valuation & Earnings

This table compares NatWest Group and United Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NatWest Group	$38.91 billion	1.91	$7.69 billion	$1.00	9.27
United Bancorp	$33.52 million	2.74	$7.75 million	$1.38	11.59

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

Institutional & Insider Ownership

15.4% of United Bancorp shares are owned by institutional investors. 13.9% of United Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

United Bancorp beats NatWest Group on 6 of the 11 factors compared between the two stocks.

About NatWest Group

NatWest Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom and internationally. It operates through Retail Banking, Private Banking, and Commercial & Institutional segments. The Retail Banking segment offers a range of banking products and related financial services, such as current accounts, mortgages, personal unsecured lending, and personal deposits, as well as mobile and online banking services. The Private Banking segment provides private banking and wealth management products for high-net-worth individuals and their business interests. The Commercial & Institutional segment offers banking and financial solutions to large corporate organisations, multi-nationals, and financial institutions. The company was formerly known as The Royal Bank of Scotland Group plc and changed its name to NatWest Group plc in July 2020. NatWest Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.

About United Bancorp

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company provides range of banking and financial services, which includes accepting demand, savings, and time deposits. It also offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.