Sberbank of Russia (OTCMKTS:SBRCY) & United Bancorporation of Alabama (OTCMKTS:UBAB) Critical Analysis

United Bancorporation of Alabama (OTCMKTS:UBAB) and Sberbank of Russia (OTCMKTS:SBRCY) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, analyst recommendations, risk, dividends, earnings, institutional ownership and profitability.

Valuation & Earnings

This table compares United Bancorporation of Alabama and Sberbank of Russia’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
United Bancorporation of Alabama	$87.26 million	2.09	$31.54 million	$8.71	5.90
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A

Sberbank of Russia has higher revenue and earnings than United Bancorporation of Alabama.

Institutional and Insider Ownership

5.5% of United Bancorporation of Alabama shares are owned by institutional investors. Comparatively, 0.1% of Sberbank of Russia shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares United Bancorporation of Alabama and Sberbank of Russia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
United Bancorporation of Alabama	33.46%	25.96%	2.30%
Sberbank of Russia	40.80%	21.45%	2.97%

Analyst Recommendations

This is a breakdown of current recommendations for United Bancorporation of Alabama and Sberbank of Russia, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
United Bancorporation of Alabama	0	0	0	0	N/A
Sberbank of Russia	0	0	0	0	N/A

Risk & Volatility

United Bancorporation of Alabama has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500. Comparatively, Sberbank of Russia has a beta of 1.56, indicating that its stock price is 56% more volatile than the S&P 500.

Dividends

United Bancorporation of Alabama pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. United Bancorporation of Alabama pays out 11.5% of its earnings in the form of a dividend.

Summary

Sberbank of Russia beats United Bancorporation of Alabama on 7 of the 10 factors compared between the two stocks.

About United Bancorporation of Alabama

United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides banking services. The company offers checking and savings accounts, certificates of deposit, individual retirement accounts, small business programs, business solutions, merchant services, and cash management services. It also provides various lending services, such as personal loans, business loans, lines of credit, and equipment loans; real estate loans for the agricultural community and working lines of credit; and overdraft services. In addition, the company offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further, it provides check cashing, convenience, remote deposit, mobile check deposit, personal storage compartments, Web payment options, insurance products, investment and brokerage, and online and mobile banking services. United Bancorporation of Alabama, Inc. was founded in 1904 and is based in Atmore, Alabama.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.