Financial Comparison: United Community Bancorp (UCBA) & Sound Financial Bancorp (SFBC)

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

Valuation & Earnings

This table compares United Community Bancorp and Sound Financial Bancorp’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
Sound Financial Bancorp $37.45 million 2.39 $7.04 million N/A N/A

Sound Financial Bancorp has higher revenue and earnings than United Community Bancorp.

Institutional and Insider Ownership

36.4% of United Community Bancorp shares are owned by institutional investors. Comparatively, 37.8% of Sound Financial Bancorp shares are owned by institutional investors. 9.7% of United Community Bancorp shares are owned by company insiders. Comparatively, 11.1% of Sound Financial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Dividends

United Community Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Sound Financial Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.6%. United Community Bancorp has increased its dividend for 2 consecutive years and Sound Financial Bancorp has increased its dividend for 5 consecutive years. Sound Financial Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares United Community Bancorp and Sound Financial 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
Sound Financial Bancorp 18.80% 9.89% 0.98%

Analyst Ratings

This is a summary of current ratings and recommmendations for United Community Bancorp and Sound Financial Bancorp, as reported by MarketBeat.

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

Summary

Sound Financial Bancorp beats United Community Bancorp on 8 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.

Sound Financial Bancorp Company Profile

Sound Financial Bancorp, Inc. operates as the holding company for Sound Community Bank that provides traditional banking and other financial services for individuals and businesses. It accepts various deposits products comprising savings accounts, money market deposit accounts, NOW accounts, demand accounts, certificates of deposit, and checking accounts. The company also offers various loan products, such as loans secured by first and second mortgages on one-to four-family residences; home equity loans comprising fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; secured and unsecured consumer loans, including new and used manufactured home loans, floating home loans, automobile loans, boat loans, and recreational vehicle loans, and loans secured by deposit accounts; land loans; and commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory. It operates through main office in Seattle; seven branch offices, of which four are located in the Seattle Metropolitan Statistical area, two are located in Clallam County, and one is located in Jefferson County; and two loan production offices, including one located in the Madison Park neighborhood of Seattle and one located in Sequim. Sound Financial Bancorp, Inc. was incorporated in 2008 and is headquartered in Seattle, Washington.

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