Contrasting United Overseas Bank (OTC:UOVEY) and First Republic Bank (OTCMKTS:FRCB)

First Republic Bank (OTCMKTS:FRCB) and United Overseas Bank (OTC:UOVEY) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, earnings, profitability, valuation and risk.

Valuation and Earnings

This table compares First Republic Bank and United Overseas Bank”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Republic Bank	$6.75 billion	0.00	$1.67 billion	N/A	N/A
United Overseas Bank	$18.23 billion	2.61	$4.25 billion	N/A	N/A

United Overseas Bank has higher revenue and earnings than First Republic Bank.

Insider & Institutional Ownership

0.0% of First Republic Bank shares are owned by institutional investors. Comparatively, 0.0% of United Overseas Bank shares are owned by institutional investors. 0.7% of First Republic Bank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Volatility & Risk

First Republic Bank has a beta of 1.72, meaning that its share price is 72% more volatile than the S&P 500. Comparatively, United Overseas Bank has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and price targets for First Republic Bank and United Overseas Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Republic Bank	0	0	0	0	0.00
United Overseas Bank	0	0	0	1	4.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Republic Bank	N/A	N/A	N/A
United Overseas Bank	N/A	N/A	N/A

Summary

United Overseas Bank beats First Republic Bank on 5 of the 8 factors compared between the two stocks.

About First Republic Bank

As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.

About United Overseas Bank

United Overseas Bank Limited, together with its subsidiaries, provides banking products and services. The company’s Group Retail segment provides deposits, insurance, card, wealth management, investment, and loan and trade financing products for personal and small enterprise customers. Its Group Wholesale Banking segment offers financing, trade, cash management, and capital markets solutions, as well as advisory and treasury products for medium and large enterprises, local corporations, multi-national corporations, financial institutions, government-linked entities, financial sponsors, and property funds. The company’s Global Markets segment provides foreign exchange, interest rate, credit, commodities, equities, and structured investment products; and manages funding and liquidity. Its Other segment offers investment management, property, and insurance services. The company also provides mobile and internet banking services. It operates through a network of approximately 500 branches, including wealth and privilege banking centres, private bank suites, business and commercial banking centres, and offices in 19 countries and territories in the Asia Pacific, Europe, and North America; and approximately 1.4 million automated teller machines. The company was formerly known as United Chinese Bank and changed its name to United Overseas Bank Limited in 1965. United Overseas Bank Limited was incorporated in 1935 and is headquartered in Singapore.