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United Bancorp (UBCP) Competitors

United Bancorp logo
$15.16 -0.16 (-1.04%)
As of 04:00 PM Eastern

UBCP vs. LPRO, BCML, CHMG, NWFL, and CZFS

Should you buy United Bancorp stock or one of its competitors? MarketBeat compares United Bancorp with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with United Bancorp include Open Lending (LPRO), Bay Commercial Bank (BCML), Chemung Financial (CHMG), Norwood Financial (NWFL), and Citizens Financial Services (CZFS). These companies are all part of the "banking" industry.

How does United Bancorp compare to Open Lending?

United Bancorp (NASDAQ:UBCP) and Open Lending (NASDAQ:LPRO) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, earnings, media sentiment, dividends, analyst recommendations, valuation, risk and profitability.

United Bancorp has a beta of 0.33, indicating that its stock price is 67% less volatile than the broader market. Comparatively, Open Lending has a beta of 2.19, indicating that its stock price is 119% more volatile than the broader market.

United Bancorp has higher earnings, but lower revenue than Open Lending. Open Lending is trading at a lower price-to-earnings ratio than United Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancorp$47.51M1.84$7.75M$1.3511.23
Open Lending$89.32M4.12-$4.24M-$0.04N/A

15.4% of United Bancorp shares are owned by institutional investors. Comparatively, 78.1% of Open Lending shares are owned by institutional investors. 13.9% of United Bancorp shares are owned by insiders. Comparatively, 13.2% of Open Lending shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

In the previous week, United Bancorp and United Bancorp both had 2 articles in the media. United Bancorp's average media sentiment score of 1.59 beat Open Lending's score of 0.31 indicating that United Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Open Lending
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Open Lending has a consensus target price of $2.78, suggesting a potential downside of 11.34%. Given Open Lending's higher probable upside, analysts plainly believe Open Lending is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Open Lending
1 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

United Bancorp has a net margin of 16.29% compared to Open Lending's net margin of -5.95%. United Bancorp's return on equity of 11.80% beat Open Lending's return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancorp16.29% 11.80% 0.91%
Open Lending -5.95%7.53%2.16%

Summary

United Bancorp beats Open Lending on 8 of the 14 factors compared between the two stocks.

How does United Bancorp compare to Bay Commercial Bank?

United Bancorp (NASDAQ:UBCP) and Bay Commercial Bank (NASDAQ:BCML) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, risk, media sentiment, dividends, institutional ownership, analyst recommendations, earnings and valuation.

United Bancorp has a beta of 0.33, suggesting that its stock price is 67% less volatile than the broader market. Comparatively, Bay Commercial Bank has a beta of 0.27, suggesting that its stock price is 73% less volatile than the broader market.

Bay Commercial Bank has a net margin of 18.41% compared to United Bancorp's net margin of 16.29%. United Bancorp's return on equity of 11.80% beat Bay Commercial Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancorp16.29% 11.80% 0.91%
Bay Commercial Bank 18.41%7.84%1.01%

Bay Commercial Bank has higher revenue and earnings than United Bancorp. United Bancorp is trading at a lower price-to-earnings ratio than Bay Commercial Bank, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancorp$47.51M1.84$7.75M$1.3511.23
Bay Commercial Bank$104.12M3.56$23.93M$2.4214.05

In the previous week, Bay Commercial Bank had 2 more articles in the media than United Bancorp. MarketBeat recorded 4 mentions for Bay Commercial Bank and 2 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.59 beat Bay Commercial Bank's score of 0.64 indicating that United Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Bay Commercial Bank
0 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

15.4% of United Bancorp shares are owned by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are owned by institutional investors. 13.9% of United Bancorp shares are owned by company insiders. Comparatively, 2.9% of Bay Commercial Bank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 5.1%. Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.5%. United Bancorp pays out 57.8% of its earnings in the form of a dividend. Bay Commercial Bank pays out 49.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. United Bancorp has increased its dividend for 13 consecutive years and Bay Commercial Bank has increased its dividend for 3 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Bay Commercial Bank has a consensus price target of $34.00, indicating a potential upside of 0.03%. Given Bay Commercial Bank's higher possible upside, analysts clearly believe Bay Commercial Bank is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Bay Commercial Bank
0 Sell rating(s)
3 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.50

Summary

Bay Commercial Bank beats United Bancorp on 12 of the 20 factors compared between the two stocks.

How does United Bancorp compare to Chemung Financial?

Chemung Financial (NASDAQ:CHMG) and United Bancorp (NASDAQ:UBCP) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, analyst recommendations, dividends, valuation, risk, profitability, institutional ownership and media sentiment.

United Bancorp has a net margin of 16.29% compared to Chemung Financial's net margin of 12.77%. Chemung Financial's return on equity of 12.45% beat United Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Chemung Financial12.77% 12.45% 1.13%
United Bancorp 16.29%11.80%0.91%

Chemung Financial currently has a consensus target price of $64.00, indicating a potential downside of 15.80%. Given Chemung Financial's higher probable upside, equities analysts plainly believe Chemung Financial is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Chemung Financial
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Chemung Financial has a beta of 0.59, suggesting that its share price is 41% less volatile than the broader market. Comparatively, United Bancorp has a beta of 0.33, suggesting that its share price is 67% less volatile than the broader market.

Chemung Financial has higher revenue and earnings than United Bancorp. United Bancorp is trading at a lower price-to-earnings ratio than Chemung Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Chemung Financial$98.09M3.73$15.10M$3.7920.06
United Bancorp$47.51M1.84$7.75M$1.3511.23

In the previous week, Chemung Financial had 3 more articles in the media than United Bancorp. MarketBeat recorded 5 mentions for Chemung Financial and 2 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.59 beat Chemung Financial's score of 0.18 indicating that United Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Chemung Financial
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
United Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

47.5% of Chemung Financial shares are held by institutional investors. Comparatively, 15.4% of United Bancorp shares are held by institutional investors. 12.7% of Chemung Financial shares are held by insiders. Comparatively, 13.9% of United Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Chemung Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.8%. United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 5.1%. Chemung Financial pays out 35.9% of its earnings in the form of a dividend. United Bancorp pays out 57.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chemung Financial has increased its dividend for 1 consecutive years and United Bancorp has increased its dividend for 13 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Chemung Financial beats United Bancorp on 12 of the 18 factors compared between the two stocks.

How does United Bancorp compare to Norwood Financial?

Norwood Financial (NASDAQ:NWFL) and United Bancorp (NASDAQ:UBCP) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, profitability, institutional ownership, earnings, valuation, media sentiment, dividends and analyst recommendations.

In the previous week, Norwood Financial had 2 more articles in the media than United Bancorp. MarketBeat recorded 4 mentions for Norwood Financial and 2 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.59 beat Norwood Financial's score of 0.71 indicating that United Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Norwood Financial
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
United Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Norwood Financial has a beta of 0.55, suggesting that its stock price is 45% less volatile than the broader market. Comparatively, United Bancorp has a beta of 0.33, suggesting that its stock price is 67% less volatile than the broader market.

Norwood Financial pays an annual dividend of $1.28 per share and has a dividend yield of 4.1%. United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 5.1%. Norwood Financial pays out 47.2% of its earnings in the form of a dividend. United Bancorp pays out 57.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Norwood Financial has increased its dividend for 7 consecutive years and United Bancorp has increased its dividend for 13 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Norwood Financial has a net margin of 17.75% compared to United Bancorp's net margin of 16.29%. Norwood Financial's return on equity of 12.43% beat United Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Norwood Financial17.75% 12.43% 1.21%
United Bancorp 16.29%11.80%0.91%

Norwood Financial has higher revenue and earnings than United Bancorp. United Bancorp is trading at a lower price-to-earnings ratio than Norwood Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Norwood Financial$136.15M2.48$27.75M$2.7111.45
United Bancorp$47.51M1.84$7.75M$1.3511.23

28.1% of Norwood Financial shares are held by institutional investors. Comparatively, 15.4% of United Bancorp shares are held by institutional investors. 8.1% of Norwood Financial shares are held by company insiders. Comparatively, 13.9% of United Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Norwood Financial currently has a consensus target price of $33.00, suggesting a potential upside of 6.31%. Given Norwood Financial's higher possible upside, equities analysts clearly believe Norwood Financial is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Norwood Financial
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Summary

Norwood Financial beats United Bancorp on 13 of the 18 factors compared between the two stocks.

How does United Bancorp compare to Citizens Financial Services?

Citizens Financial Services (NASDAQ:CZFS) and United Bancorp (NASDAQ:UBCP) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their media sentiment, risk, dividends, valuation, institutional ownership, profitability, earnings and analyst recommendations.

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.8%. United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 5.1%. Citizens Financial Services pays out 24.9% of its earnings in the form of a dividend. United Bancorp pays out 57.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. United Bancorp has increased its dividend for 13 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Citizens Financial Services has higher revenue and earnings than United Bancorp. Citizens Financial Services is trading at a lower price-to-earnings ratio than United Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$115.72M3.04$36.57M$8.198.94
United Bancorp$47.51M1.84$7.75M$1.3511.23

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Financial Services
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Citizens Financial Services and Citizens Financial Services both had 2 articles in the media. United Bancorp's average media sentiment score of 1.59 beat Citizens Financial Services' score of 0.44 indicating that United Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Financial Services Neutral
United Bancorp Very Positive

Citizens Financial Services has a beta of 0.36, suggesting that its stock price is 64% less volatile than the broader market. Comparatively, United Bancorp has a beta of 0.33, suggesting that its stock price is 67% less volatile than the broader market.

Citizens Financial Services has a net margin of 22.47% compared to United Bancorp's net margin of 16.29%. Citizens Financial Services' return on equity of 11.89% beat United Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services22.47% 11.89% 1.30%
United Bancorp 16.29%11.80%0.91%

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 15.4% of United Bancorp shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 13.9% of United Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Citizens Financial Services beats United Bancorp on 12 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding UBCP and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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UBCP vs. The Competition

MetricUnited BancorpBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$87.63M$3.16B$14.42B$12.66B
Dividend Yield5.09%3.17%5.70%8.42%
P/E Ratio11.2311.4420.6624.38
Price / Sales1.842.8544.7793.32
Price / Cash9.2211.4519.3259.39
Price / Book1.241.302.276.32
Net Income$7.75M$217.17M$1.13B$331.55M
7 Day Performance-8.78%1.81%0.97%0.08%
1 Month Performance0.13%3.61%1.38%-0.76%
1 Year Performance8.21%25.61%14.05%20.68%

United Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBCP
United Bancorp
4.0784 of 5 stars
$15.16
-1.0%
N/A+7.5%$87.63M$47.51M11.23120
LPRO
Open Lending
0.88 of 5 stars
$3.13
flat
$2.78
-11.3%
+25.6%$368.33M$93.22MN/A180
BCML
Bay Commercial Bank
3.5058 of 5 stars
$33.46
+0.3%
$34.00
+1.6%
+18.8%$363.93M$141.48M13.83370
CHMG
Chemung Financial
2.4553 of 5 stars
$74.33
-0.5%
$64.00
-13.9%
+38.8%$360.18M$140.78M19.61340
NWFL
Norwood Financial
4.0507 of 5 stars
$31.60
-1.4%
$33.00
+4.4%
+22.3%$348.99M$136.15M11.66260

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This page (NASDAQ:UBCP) was last updated on 7/15/2026 by MarketBeat.com Staff.
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