Contrasting United Bankshares (NASDAQ:UBSI) and First NBC Bank (OTCMKTS:FNBCQ)

United Bankshares (NASDAQ:UBSIGet Rating) and First NBC Bank (OTCMKTS:FNBCQGet Rating) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.

Institutional and Insider Ownership

69.6% of United Bankshares shares are held by institutional investors. 4.2% of United Bankshares shares are held by company insiders. Comparatively, 8.4% of First NBC Bank shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for United Bankshares and First NBC Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bankshares 0 2 2 0 2.50
First NBC Bank 0 0 0 0 N/A

United Bankshares presently has a consensus price target of $39.00, suggesting a potential upside of 5.95%. Given United Bankshares’ higher possible upside, equities analysts clearly believe United Bankshares is more favorable than First NBC Bank.

Valuation and Earnings

This table compares United Bankshares and First NBC Bank’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
United Bankshares $1.07 billion 4.62 $367.74 million $2.58 14.27
First NBC Bank N/A N/A N/A N/A N/A

United Bankshares has higher revenue and earnings than First NBC Bank.

Profitability

This table compares United Bankshares and First NBC Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Bankshares 33.26% 7.53% 1.19%
First NBC Bank N/A N/A N/A

Summary

United Bankshares beats First NBC Bank on 7 of the 8 factors compared between the two stocks.

About United Bankshares

(Get Rating)

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, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including 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. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

About First NBC Bank

(Get Rating)

First NBC Bank Holding Company operates as the bank holding company for First NBC Bank that provides a range of financial services for businesses, institutions, and individuals. The company's deposit products include savings deposits, money market accounts, negotiable order of withdrawal accounts, and certificates of deposit. Its loan portfolio comprises construction, commercial and consumer real estate, commercial and industrial, and consumer loans. The company also offers trust services, credit cards, and wire transfers. As of August 15, 2016, it operated 39 full service banking offices in New Orleans metropolitan area, Mississippi Gulf Coast, and the Florida panhandle. First NBC Bank Holding Company was founded in 2006 and is headquartered in New Orleans, Louisiana. On May 11, 2017, First NBC Bank Holding Company filed a voluntary petition for reorganization under Chapter 11 in the US Bankruptcy Court for the Eastern District of Louisiana. First NBC Bank Holding Company operates as a subsidiary of First NMTC 2, LLC.

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