University Bancorp (OTCMKTS:UNIB) versus 1st Colonial Bancorp (OTCMKTS:FCOB) Head to Head Survey

Institutional & Insider Ownership

13.4% of 1st Colonial Bancorp shares are held by institutional investors. 63.7% of University Bancorp 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.

Earnings and Valuation

This table compares University Bancorp and 1st Colonial Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
University Bancorp	$137.51 million	0.84	$9.02 million	N/A	N/A
1st Colonial Bancorp	$49.61 million	2.04	$7.30 million	$1.48	13.51

University Bancorp has higher revenue and earnings than 1st Colonial Bancorp.

Profitability

This table compares University Bancorp and 1st Colonial Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
University Bancorp	N/A	N/A	N/A
1st Colonial Bancorp	14.71%	10.87%	1.04%

Volatility and Risk

University Bancorp has a beta of 0.23, meaning that its share price is 77% less volatile than the S&P 500. Comparatively, 1st Colonial Bancorp has a beta of 0.03, meaning that its share price is 97% less volatile than the S&P 500.

Summary

1st Colonial Bancorp beats University Bancorp on 5 of the 9 factors compared between the two stocks.

About University Bancorp

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it offers life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

About 1st Colonial Bancorp

1st Colonial Bancorp, Inc. operates as the bank holding company for 1st Colonial Community Bank that provides a range of business and consumer financial services in New Jersey. The company offers various deposit products, including savings accounts, money market accounts, certificates of deposit, club accounts, and business and personal checking accounts. It also provides home equity loans, home equity lines of credit, personal and vehicle loans, residential and commercial mortgages, construction loans, business lines of credit, equipment and vehicle financing, real estate loans, working capital line of credit, and business acquisition loans, as well as small business administration loans. In addition, the company offers cash management services comprising remote deposit capture, ACH/wire transfer, night deposit drop, and merchant services; safe deposit boxes; and coin counting, online and mobile banking, debit card, and ATM services. The company was founded in 2000 and is headquartered in Mount Laurel, New Jersey.