United Community Bancorp (NASDAQ:UCBA) and Oconee Federal Financial (NASDAQ:OFED) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, dividends, analyst recommendations, profitability and earnings.
United Community Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. United Community Bancorp has increased its dividend for 2 consecutive years.
This is a breakdown of current recommendations and price targets for United Community Bancorp and Oconee Federal Financial, 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|
|Oconee Federal Financial||0||0||0||0||N/A|
Valuation and Earnings
This table compares United Community Bancorp and Oconee Federal Financial’s top-line revenue, earnings per share (EPS) 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|
|Oconee Federal Financial||$18.41 million||7.25||$3.03 million||N/A||N/A|
Oconee Federal Financial has higher revenue and earnings than United Community Bancorp.
This table compares United Community Bancorp and Oconee Federal Financial’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|
|Oconee Federal Financial||18.60%||4.30%||0.73%|
Insider and Institutional Ownership
36.4% of United Community Bancorp shares are owned by institutional investors. Comparatively, 4.1% of Oconee Federal Financial shares are owned by institutional investors. 9.7% of United Community Bancorp shares are owned by insiders. Comparatively, 5.2% of Oconee Federal Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Oconee Federal Financial beats United Community Bancorp on 5 of the 8 factors compared between the two stocks.
United Community Bancorp Company Profile
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.
Oconee Federal Financial Company Profile
Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia. The company's deposit products include demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises one-to-four family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer loans. Oconee Federal Financial Corp. operates through its executive office and seven branch offices located in Oconee County, South Carolina; Stephens County, Georgia; and Rabun County, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. is a subsidiary of Oconee Federal, MHC.
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