HarborOne Bancorp (NASDAQ:HONE – Get Rating) and United Bancorp (NASDAQ:UBCP – Get Rating) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, valuation, profitability, analyst recommendations, institutional ownership, risk and dividends.
Profitability
This table compares HarborOne Bancorp and United Bancorp's net margins, return on equity and return on assets.
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| Net Margins | Return on Equity | Return on Assets |
| HarborOne Bancorp | 21.80% | 7.58% | 1.03% |
| United Bancorp | 29.10% | 14.26% | 1.20% |
Valuation and Earnings
This table compares HarborOne Bancorp and United Bancorp's top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
| HarborOne Bancorp | $244.58 million | 2.70 | $58.52 million | $1.01 | 13.29 |
| United Bancorp | $30.41 million | 2.81 | $9.45 million | $1.52 | 9.50 |
HarborOne Bancorp has higher revenue and earnings than United Bancorp. United Bancorp is trading at a lower price-to-earnings ratio than HarborOne Bancorp, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
55.0% of HarborOne Bancorp shares are held by institutional investors. Comparatively, 8.8% of United Bancorp shares are held by institutional investors. 6.0% of HarborOne Bancorp shares are held by company insiders. Comparatively, 12.3% of United Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Dividends
HarborOne Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 2.1%. United Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 4.4%. HarborOne Bancorp pays out 27.7% of its earnings in the form of a dividend. United Bancorp pays out 42.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. HarborOne Bancorp has increased its dividend for 2 consecutive years and United Bancorp has increased its dividend for 10 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Analyst Recommendations
This is a summary of current recommendations for HarborOne Bancorp and United Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
| HarborOne Bancorp | 0 | 2 | 0 | 0 | 2.00 |
| United Bancorp | 0 | 0 | 0 | 0 | N/A |
HarborOne Bancorp currently has a consensus price target of $13.75, indicating a potential upside of 2.46%. Given HarborOne Bancorp's higher possible upside, research analysts clearly believe HarborOne Bancorp is more favorable than United Bancorp.
Volatility & Risk
HarborOne Bancorp has a beta of 0.7, suggesting that its stock price is 30% less volatile than the S&P 500. Comparatively, United Bancorp has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500.
Summary
United Bancorp beats HarborOne Bancorp on 8 of the 15 factors compared between the two stocks.
About HarborOne Bancorp
(Get Rating)
HarborOne Bancorp, Inc. is a bank holding company, which engages in the provision of co-operative banking services. It operates through the HarborOne Bank and HarborOne Mortgage segments. The HarborOne Bank segment consists primarily of interest earned on loans and investment securities and service charges on deposit accounts. The HarborOne Mortgage segment comprises interest earned on loans and fees received as a result of the residential mortgage origination, sale, and servicing process. The company was founded in 1917 and is headquartered in Brockton, MA.
About United Bancorp
(Get Rating)
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
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