Auburn National Bancorporation (AUBN) versus United Bankshares (UBSI) Critical Survey
Auburn National Bancorporation (NASDAQ:AUBN) and United Bankshares (NASDAQ:UBSI) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, valuation, institutional ownership, analyst recommendations, profitability, dividends and earnings.
Auburn National Bancorporation pays an annual dividend of $0.96 per share and has a dividend yield of 2.5%. United Bankshares pays an annual dividend of $1.36 per share and has a dividend yield of 4.0%. United Bankshares pays out 71.6% of its earnings in the form of a dividend. Auburn National Bancorporation has increased its dividend for 2 consecutive years.
This table compares Auburn National Bancorporation and United Bankshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Auburn National Bancorporation||25.65%||10.09%||1.05%|
Insider & Institutional Ownership
12.1% of Auburn National Bancorporation shares are owned by institutional investors. Comparatively, 70.6% of United Bankshares shares are owned by institutional investors. 24.9% of Auburn National Bancorporation shares are owned by insiders. Comparatively, 5.2% of United Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Auburn National Bancorporation and United Bankshares’ gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Auburn National Bancorporation||$31.56 million||4.34||$7.84 million||N/A||N/A|
|United Bankshares||$755.45 million||4.67||$150.58 million||$1.90||18.01|
United Bankshares has higher revenue and earnings than Auburn National Bancorporation.
Volatility & Risk
Auburn National Bancorporation has a beta of 0.07, suggesting that its share price is 93% less volatile than the S&P 500. Comparatively, United Bankshares has a beta of 1.11, suggesting that its share price is 11% more volatile than the S&P 500.
This is a summary of current ratings and recommmendations for Auburn National Bancorporation and United Bankshares, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Auburn National Bancorporation||0||0||0||0||N/A|
United Bankshares has a consensus target price of $38.00, suggesting a potential upside of 11.05%. Given United Bankshares’ higher probable upside, analysts plainly believe United Bankshares is more favorable than Auburn National Bancorporation.
United Bankshares beats Auburn National Bancorporation on 9 of the 14 factors compared between the two stocks.
About Auburn National Bancorporation
Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company's deposit products include checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; residential mortgage lending services; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic services; and safe deposit boxes. It operates through its main office in Auburn, Alabama; eight full-service branches in Auburn, Opelika, Notasulga, and Valley, Alabama; and a commercial loan production office in Phenix City, Alabama. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.
About United Bankshares
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. It also offers personal, commercial, floor plan, and student loans; construction and real estate loans; and consumer loans, including credit card and home equity loans. In addition, the company provides safe deposit boxes, wire transfers, and other banking products and services; investment and security, and trust services; services to correspondent banks, including check clearing, safekeeping, and buying and selling federal funds; automated teller machine services; and Internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. The company operates 142 full service offices, which consists of 51 offices in West Virginia; 86 offices in the Shenandoah Valley region of Virginia and the Northern Virginia, Maryland, and Washington, D.C. metropolitan areas; 4 offices in southwestern Pennsylvania; and 1 office in southeastern Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.
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