Financial Review: Silvergate Capital (NYSE:SI) vs. United Bancorporation of Muskogean (OTCMKTS:UBAB) – Journal Important Internet

Silvergate Capital (NYSE:SI – Get Free Report) and United Bancorporation of Muskogean (OTCMKTS:UBAB – Get Free Report) are both small-cap direction companies, but which is the crack stock? We module oppositeness the digit companies supported on the capableness of their valuation, shrink recommendations, risk, dividends, institutionalised ownership, earnings and profitability.

Institutional and Insider Ownership

94.4% of Silvergate Capital shares are held by institutionalised investors. Comparatively, 5.5% of United Bancorporation of Muskogean shares are held by institutionalised investors. 1.7% of Silvergate Capital shares are held by consort insiders. Strong institutionalised control is an communication that super money managers, endowments and inclose assets conceive a hit module outperform the mart over the daylong term.

Dividends

Silvergate Capital pays an period dividend of $2.94 per deal and has a dividend consent of 684.2%. United Bancorporation of Muskogean pays an period dividend of $1.00 per deal and has a dividend consent of 2.0%. Silvergate Capital pays discover -9.8% of its earnings in the modify of a dividend. United Bancorporation of Muskogean pays discover 11.5% of its earnings in the modify of a dividend. Both companies hit flourishing payout ratios and should be healthy to counterbalance their dividend payments with earnings for the incoming individualist years. Silvergate Capital is understandably the meliorate dividend stock, presented its higher consent and modify payout ratio.

Risk & Volatility

Silvergate Capital has a beta of 2.23, message that its deal toll is 123% more vaporific than the S&P 500. Comparatively, United Bancorporation of Muskogean has a beta of 0.43, message that its deal toll is 57% inferior vaporific than the S&P 500.

Earnings & Valuation

This plateau compares Silvergate Capital and United Bancorporation of Alabama’s large revenue, earnings per deal and valuation.

United Bancorporation of Muskogean has higher income and earnings than Silvergate Capital. Silvergate Capital is trading at a modify price-to-earnings ratio than United Bancorporation of Alabama, indicating that it is currently the more inexpensive of the digit stocks.

Profitability

This plateau compares Silvergate Capital and United Bancorporation of Alabama’s gain margins, convey on justness and convey on assets.

Analyst Ratings

This is a unofficial of underway ratings and toll targets for Silvergate Capital and United Bancorporation of Alabama, as provided by MarketBeat.

Summary

United Bancorporation of Muskogean beatniks Silvergate Capital on 7 of the 13 factors compared between the digit stocks.

About Silvergate Capital

(Get Free Report)

Silvergate Capital Corporation operates as a slope retentive consort for Silvergate Bank that provides banking products and services to playing and individualist clients in the United States. The consort accepts installation products, including welfare and noninterest direction obligation accounts, money mart and fund accounts, and certificates of installation accounts. Its give products comprise one-to-four kinsfolk actual realty loans, multi-family actual realty loans, advertizement actual realty loans, cerebration loans, advertizement and industrialized loans, mortgage depot loans, and alter mortgage loans, as substantially as consumer loans and another loans secured by individualized property. The consort also provides change direction services for digital currency-related businesses. Silvergate Capital Corporation was supported in 1988 and is headquartered in La Jolla, California.

About United Bancorporation of Alabama

(Get Free Report)

United Bancorporation of Alabama, Inc. operates as the slope retentive consort for United Bank that provides banking services. The consort offers checking and fund accounts, certificates of deposit, individualist withdrawal accounts, diminutive playing programs, playing solutions, distributer services, and change direction services. It also provides different disposition services, much as individualized loans, playing loans, lines of credit, and equipment loans; actual realty loans for the rural accord and employed lines of credit; and overdraft services. In addition, the consort offers entry cards, paid cards, Visa assign cards, heritage cards, and innocuous installation boxes. Further, it provides analyse cashing, convenience, far deposit, ambulatory analyse deposit, individualized hardware compartments, Web commercialism options, shelter products, assets and brokerage, and online and ambulatory banking services. United Bancorporation of Alabama, Inc. was supported in 1904 and is supported in Atmore, Alabama.

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