Contrasting United Community Bancorp (UCBA) and First Savings Financial Group (FSFG)

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

Earnings and Valuation

This table compares United Community Bancorp and First Savings Financial Group’s gross revenue, earnings per share 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
First Savings Financial Group $55.45 million 2.48 $10.90 million N/A N/A

First Savings Financial Group has higher revenue and earnings than United Community Bancorp.

Dividends

United Community Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. First Savings Financial Group pays an annual dividend of $0.60 per share and has a dividend yield of 1.0%.

Profitability

This table compares United Community Bancorp and First Savings Financial Group’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
First Savings Financial Group 19.66% 12.67% 1.24%

Analyst Ratings

This is a summary of current ratings for United Community Bancorp and First Savings Financial Group, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Community Bancorp 0 0 0 0 N/A
First Savings Financial Group 0 0 1 0 3.00

First Savings Financial Group has a consensus price target of $75.00, suggesting a potential upside of 24.73%. Given First Savings Financial Group’s higher possible upside, analysts plainly believe First Savings Financial Group is more favorable than United Community Bancorp.

Institutional & Insider Ownership

36.4% of United Community Bancorp shares are held by institutional investors. Comparatively, 24.6% of First Savings Financial Group shares are held by institutional investors. 9.7% of United Community Bancorp shares are held by insiders. Comparatively, 16.7% of First Savings Financial Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

First Savings Financial Group beats United Community Bancorp on 7 of the 9 factors compared between the two stocks.

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.

About First Savings Financial Group

First Savings Financial Group, Inc. operates as the holding company for First Savings Bank that provides various banking services to individuals and business customers in southern Indiana. The company operates through Core Banking and SBA Lending segments. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, time deposits, and certificates of deposit. The company also provides loans, including one-to four-family residential real estate loans, multifamily loans, commercial real estate loans, commercial business loans, construction loans, land and land development loans, and multi-family real estate loans, as well as consumer loans comprising automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it holds and manages an investment securities portfolio; and provides reinsurance to other third-party insurance captives. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Clarksville, Indiana.

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