United Community Bancorp (NASDAQ:UCBA) & Cortland Bancorp (NASDAQ:CLDB) Head to Head Contrast

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United Community Bancorp (NASDAQ:UCBA) and Cortland Bancorp (OTCMKTS:CLDB) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, profitability, institutional ownership, dividends, earnings and analyst recommendations.

Profitability

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

Net Margins Return on Equity Return on Assets
United Community Bancorp N/A N/A N/A
Cortland Bancorp 26.40% 14.41% 1.32%

Dividends

United Community Bancorp pays an annual dividend of $0.40 per share. Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.8%. United Community Bancorp has raised its dividend for 2 consecutive years.

Earnings and Valuation

This table compares United Community Bancorp and Cortland Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
United Community Bancorp N/A N/A N/A N/A N/A
Cortland Bancorp $33.46 million 3.12 $8.84 million N/A N/A

Cortland Bancorp has higher revenue and earnings than United Community Bancorp.

Insider and Institutional Ownership

36.4% of United Community Bancorp shares are owned by institutional investors. Comparatively, 1.6% of Cortland Bancorp shares are owned by institutional investors. 9.7% of United Community Bancorp shares are owned by insiders. Comparatively, 9.5% of Cortland Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings for United Community Bancorp and Cortland Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Community Bancorp 0 0 0 0 N/A
Cortland Bancorp 0 0 0 0 N/A

Summary

Cortland Bancorp beats United Community Bancorp on 5 of the 8 factors compared between the two stocks.

About United Community Bancorp

United Community Bancorp operates as the bank holding company for United Community Bank that provides various banking products and services to consumers and businesses in Southeastern Indiana. Its deposit products include noninterest-bearing demand accounts, including checking accounts; interest-bearing accounts, such as interest-bearing checking and money market accounts; regular savings accounts; and certificates of deposit, as well as municipal deposits. The company also provides one-to four-family residential real estate, multi-family real estate, nonresidential real estate and land, construction, agricultural, and commercial loans, as well as consumer loans comprising home equity loans and lines of credit, loans secured by savings accounts or certificates of deposit, new farm and garden equipment loans, new and used automobiles loans, recreational vehicle loans, and secured and unsecured personal loans. It operates through five branches located in Dearborn County and three branches located in adjacent Ripley County in Indiana. The company was founded in 1999 and is headquartered in Lawrenceburg, Indiana.

About Cortland Bancorp

Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.

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