Bancorp 34 (NASDAQ:BCTF) & United Community Bancorp (NASDAQ:UCBA) Head to Head Review

Bancorp 34 (NASDAQ:BCTF) and United Community Bancorp (NASDAQ:UCBA) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, risk, earnings, valuation and institutional ownership.

Analyst Ratings

This is a summary of recent ratings for Bancorp 34 and United Community Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bancorp 34 0 0 0 0 N/A
United Community Bancorp 0 0 0 0 N/A

Institutional and Insider Ownership

14.8% of Bancorp 34 shares are owned by institutional investors. Comparatively, 36.4% of United Community Bancorp shares are owned by institutional investors. 6.4% of Bancorp 34 shares are owned by company insiders. Comparatively, 9.7% of United Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares Bancorp 34 and United Community Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bancorp 34 2.26% 1.60% 0.20%
United Community Bancorp N/A N/A N/A

Dividends

Bancorp 34 pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%. United Community Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. United Community Bancorp has raised its dividend for 2 consecutive years. United Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Earnings & Valuation

This table compares Bancorp 34 and United Community Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp 34 $32.81 million 1.57 $1.07 million N/A N/A
United Community Bancorp N/A N/A N/A N/A N/A

Bancorp 34 has higher revenue and earnings than United Community Bancorp.

About Bancorp 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts, and certificates of deposit, as well as commercial checking accounts and related services, including online cash management. The company also originates commercial real estate loans, multi-family real estate loans, commercial and industrial loans, construction and land development loans, one- to four-family residential real estate loans, and consumer and other loans. It operates 4 full-service banking centers, including 1 each in Otero and Dona Ana Counties, New Mexico; and 2 in Maricopa County, Arizona, as well as 10 residential mortgage and commercial loan production offices in Texas, Arizona, New Mexico, Oregon, and Washington. Bancorp 34, Inc. was founded in 1934 and is headquartered in Alamogordo, New Mexico.

About United Community Bancorp

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.

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