Analyzing National Australia Bank (OTCMKTS:NABZY) and United Bancshares (NASDAQ:UBOH)

National Australia Bank (OTCMKTS:NABZY) and United Bancshares (NASDAQ:UBOH) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, profitability, risk, institutional ownership and earnings.

Profitability

This table compares National Australia Bank and United Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
National Australia Bank	N/A	N/A	N/A
United Bancshares	14.16%	N/A	N/A

Analyst Ratings

This is a summary of current recommendations and price targets for National Australia Bank and United Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
National Australia Bank	0	0	0	0	N/A
United Bancshares	0	0	0	0	N/A

Dividends

National Australia Bank pays an annual dividend of $0.52 per share and has a dividend yield of 4.0%. United Bancshares pays an annual dividend of $0.88 per share and has a dividend yield of 4.4%. United Bancshares pays out 31.3% of its earnings in the form of a dividend.

Risk and Volatility

National Australia Bank has a beta of 1.27, meaning that its share price is 27% more volatile than the S&P 500. Comparatively, United Bancshares has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500.

Valuation and Earnings

This table compares National Australia Bank and United Bancshares”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
National Australia Bank	$33.43 billion	2.39	$4.94 billion	N/A	N/A
United Bancshares	$54.58 million	1.08	$8.61 million	$2.81	7.05

National Australia Bank has higher revenue and earnings than United Bancshares.

Insider & Institutional Ownership

1.0% of United Bancshares shares are owned by institutional investors. 6.6% of United Bancshares shares are owned 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.

Summary

National Australia Bank beats United Bancshares on 5 of the 9 factors compared between the two stocks.

About National Australia Bank

National Australia Bank Limited provides financial services to individuals and businesses in Australia, New Zealand, and internationally. The company operates through Business and Private Banking; Personal Banking; Corporate and Institutional Banking; New Zealand Banking; and Corporate Functions and Other segments. It accepts transaction accounts, savings accounts, debit cards, and term deposits; and specialized accounts, such as foreign currency, business interest, cash maximiser, farm management, community free saver, statutory trust, and project bank accounts, as well as farm management deposits. In addition, the company provides home loans, personal loans, and business loans; vehicle and equipment finance; and trade and invoice finance, as well as business overdrafts and bank guarantees. Further, it offers insurance products consisting of home and content, landlord, travel, car, caravan and trailer, life, and business insurance products; and pension, self-managed super funds, cash management, and financial planning and advisory services. Additionally, the company provides investment products; credit, debit, and business cards; payments and merchant services; online and internet banking services; small business services; international and foreign exchange solutions; and industry specific banking services. The company was founded in 1834 and is based in Melbourne, Australia.

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.