University Bancorp (OTCMKTS:UNIB) vs. Isabella Bank (OTCMKTS:ISBA) Financial Comparison

Isabella Bank (OTCMKTS:ISBA) and University Bancorp (OTCMKTS:UNIB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, risk, earnings, dividends, institutional ownership, profitability and analyst recommendations.

Analyst Ratings

This is a summary of current ratings and price targets for Isabella Bank and University Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Isabella Bank	0	1	0	0	2.00
University Bancorp	0	0	0	0	N/A

Isabella Bank presently has a consensus price target of $22.00, indicating a potential upside of 13.87%. Given Isabella Bank’s higher probable upside, analysts clearly believe Isabella Bank is more favorable than University Bancorp.

Profitability

This table compares Isabella Bank and University Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Isabella Bank	14.98%	7.50%	0.72%
University Bancorp	N/A	N/A	N/A

Earnings and Valuation

This table compares Isabella Bank and University Bancorp’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Isabella Bank	$93.46 million	1.55	$18.17 million	$2.12	9.11
University Bancorp	N/A	N/A	N/A	N/A	N/A

Isabella Bank has higher revenue and earnings than University Bancorp.

Risk & Volatility

Isabella Bank has a beta of -0.04, indicating that its share price is 104% less volatile than the S&P 500. Comparatively, University Bancorp has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500.

Summary

Isabella Bank beats University Bancorp on 5 of the 6 factors compared between the two stocks.

About Isabella Bank

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and insurance products. The company operated banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

About University Bancorp

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it offers life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.