Industrial and Commercial Bank of China (OTCMKTS:IDCBY) vs. United Bancshares (NASDAQ:UBOH) Critical Analysis

Industrial and Commercial Bank of China (OTCMKTS:IDCBY) and United Bancshares (NASDAQ:UBOH) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, risk, valuation, profitability, dividends and earnings.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Industrial and Commercial Bank of China and United Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Industrial and Commercial Bank of China 1 0 0 0 1.00
United Bancshares 0 0 0 0 N/A

Risk and Volatility

Industrial and Commercial Bank of China has a beta of 0.38, meaning that its share price is 62% less volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500.

Institutional & Insider Ownership

0.0% of Industrial and Commercial Bank of China shares are held by institutional investors. Comparatively, 20.5% of United Bancshares shares are held by institutional investors. 6.3% of United Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Dividends

Industrial and Commercial Bank of China pays an annual dividend of $0.69 per share and has a dividend yield of 6.4%. United Bancshares pays an annual dividend of $0.80 per share and has a dividend yield of 2.5%. Industrial and Commercial Bank of China pays out 27.7% of its earnings in the form of a dividend.

Profitability

This table compares Industrial and Commercial Bank of China and United Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Industrial and Commercial Bank of China 26.10% 11.34% 0.98%
United Bancshares 21.18% 12.27% 1.36%

Earnings and Valuation

This table compares Industrial and Commercial Bank of China and United Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Industrial and Commercial Bank of China $179.59 billion 1.06 $45.77 billion $2.49 4.30
United Bancshares $67.03 million 1.54 $13.76 million N/A N/A

Industrial and Commercial Bank of China has higher revenue and earnings than United Bancshares.

Summary

United Bancshares beats Industrial and Commercial Bank of China on 8 of the 12 factors compared between the two stocks.

About Industrial and Commercial Bank of China

Industrial and Commercial Bank of China Limited provides various banking products and services in China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. This segment's products and services include corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody activities, various corporate intermediary services, etc. The Personal Banking segment provides personal loans and cards, deposits, personal wealth management, and personal intermediary services to individual customers. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions, as well as holding of derivative positions. The company also offers e-banking services, including Internet, telephone, and mobile banking services; and investment banking, fund and asset management, trust, financial leasing, broker dealer, insurance, and other financial services. It operates approximately 16,197 domestic institutions and 426 overseas institutions. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.

About United Bancshares

United Bancshares, Inc. is a financial holding company, which operates through its wholly owned subsidiary Union Bank Co. It engages in banking and financial solutions and focuses on commercial banking industry. The firm offers checking, savings and money market, loans, credit cards, merchant services, treasury management, and online banking. The company was founded in 1904 and is headquartered in Columbus Grove, OH.

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