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United Bancorp (UBCP) Competitors

United Bancorp logo
$14.16 +0.10 (+0.71%)
As of 10/6/2026 04:00 PM Eastern
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UBCP vs. BCML, FSBW, JMSB, NEWT, and FVCB

Should you buy United Bancorp stock or one of its competitors? United Bancorp's main competitors and comparable companies include Bay Commercial Bank (BCML), FS Bancorp (FSBW), John Marshall Bancorp (JMSB), NewtekOne (NEWT), and Fvcbankcorp (FVCB). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

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 superior investment? We will compare the two companies based on the strength of their dividends, risk, profitability, earnings, analyst recommendations, media sentiment, institutional ownership and valuation.

United Bancorp has a beta of 0.31, indicating that its stock price is 69% less volatile than the broader market. Comparatively, Bay Commercial Bank has a beta of 0.32, indicating that its stock price is 68% less volatile than the broader market.

Bay Commercial Bank has a consensus target price of $34.00, indicating a potential upside of 9.78%. Given Bay Commercial Bank's stronger consensus rating and higher possible upside, analysts plainly 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)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Bay Commercial Bank
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

United Bancorp has a net margin of 16.55% compared to Bay Commercial Bank's net margin of 9.20%. United Bancorp's return on equity of 11.53% beat Bay Commercial Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancorp16.55% 11.53% 0.92%
Bay Commercial Bank 9.20%6.98%0.90%

United Bancorp pays an annual dividend of $0.79 per share and has a dividend yield of 5.6%. Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.9%. United Bancorp pays out 57.2% of its earnings in the form of a dividend. Bay Commercial Bank pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. United Bancorp has raised its dividend for 13 consecutive years and Bay Commercial Bank has raised 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 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$47.51M1.71$7.75M$1.3810.26
Bay Commercial Bank$141.48M2.39$23.93M$1.2025.81

15.4% of United Bancorp shares are held by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are held by institutional investors. 13.9% of United Bancorp shares are held by insiders. Comparatively, 2.9% of Bay Commercial Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

In the previous week, Bay Commercial Bank had 2 more articles in the media than United Bancorp. MarketBeat recorded 3 mentions for Bay Commercial Bank and 1 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.04 beat Bay Commercial Bank's score of 0.84 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)
Positive
Bay Commercial Bank
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Bay Commercial Bank beats United Bancorp on 11 of the 20 factors compared between the two stocks.

How does United Bancorp compare to FS Bancorp?

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

United Bancorp has a net margin of 16.55% compared to FS Bancorp's net margin of 14.88%. United Bancorp's return on equity of 11.53% beat FS Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancorp16.55% 11.53% 0.92%
FS Bancorp 14.88%10.86%1.05%

FS Bancorp has a consensus target price of $45.00, indicating a potential upside of 2.02%. Given FS Bancorp's higher probable upside, analysts plainly believe FS Bancorp is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
FS Bancorp
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

15.4% of United Bancorp shares are held by institutional investors. Comparatively, 63.9% of FS Bancorp shares are held by institutional investors. 13.9% of United Bancorp shares are held by company insiders. Comparatively, 12.9% of FS Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

United Bancorp pays an annual dividend of $0.79 per share and has a dividend yield of 5.6%. FS Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 2.6%. United Bancorp pays out 57.2% of its earnings in the form of a dividend. FS Bancorp pays out 26.7% 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 FS Bancorp has increased its dividend for 12 consecutive years. United Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

United Bancorp has a beta of 0.31, suggesting that its share price is 69% less volatile than the broader market. Comparatively, FS Bancorp has a beta of 0.68, suggesting that its share price is 32% less volatile than the broader market.

FS Bancorp has higher revenue and earnings than United Bancorp. FS Bancorp 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$47.51M1.71$7.75M$1.3810.26
FS Bancorp$219.52M1.49$33.35M$4.3410.16

In the previous week, United Bancorp had 1 more articles in the media than FS Bancorp. MarketBeat recorded 1 mentions for United Bancorp and 0 mentions for FS Bancorp. United Bancorp's average media sentiment score of 1.04 beat FS Bancorp's score of 0.00 indicating that United Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
United Bancorp Positive
FS Bancorp Neutral

Summary

United Bancorp and FS Bancorp tied by winning 9 of the 18 factors compared between the two stocks.

How does United Bancorp compare to John Marshall Bancorp?

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

John Marshall Bancorp has a net margin of 20.41% compared to United Bancorp's net margin of 16.55%. United Bancorp's return on equity of 11.53% beat John Marshall Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
John Marshall Bancorp20.41% 9.16% 1.04%
United Bancorp 16.55%11.53%0.92%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
John Marshall Bancorp$115.33M2.80$21.23M$1.7313.24
United Bancorp$47.51M1.71$7.75M$1.3810.26

39.1% of John Marshall Bancorp shares are held by institutional investors. Comparatively, 15.4% of United Bancorp shares are held by institutional investors. 12.6% of John Marshall Bancorp 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 hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

John Marshall Bancorp currently has a consensus price target of $25.00, suggesting a potential upside of 9.12%. Given John Marshall Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe John Marshall Bancorp is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
John Marshall Bancorp
1 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.75
United Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, John Marshall Bancorp had 1 more articles in the media than United Bancorp. MarketBeat recorded 2 mentions for John Marshall Bancorp and 1 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.04 beat John Marshall Bancorp's score of 0.94 indicating that United Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
John Marshall Bancorp
0 Very Positive mention(s)
0 Positive mention(s)
2 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)
Positive

John Marshall Bancorp has a beta of 0.58, meaning that its stock price is 42% less volatile than the broader market. Comparatively, United Bancorp has a beta of 0.31, meaning that its stock price is 69% less volatile than the broader market.

John Marshall Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. United Bancorp pays an annual dividend of $0.79 per share and has a dividend yield of 5.6%. John Marshall Bancorp pays out 23.1% of its earnings in the form of a dividend. United Bancorp pays out 57.2% 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 raised 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

John Marshall Bancorp beats United Bancorp on 15 of the 20 factors compared between the two stocks.

How does United Bancorp compare to NewtekOne?

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

United Bancorp has a net margin of 16.55% compared to NewtekOne's net margin of 15.57%. NewtekOne's return on equity of 17.97% beat United Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
NewtekOne15.57% 17.97% 2.26%
United Bancorp 16.55%11.53%0.92%

NewtekOne has higher revenue and earnings than United Bancorp. NewtekOne 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
NewtekOne$383.33M0.84$60.51M$2.225.04
United Bancorp$47.51M1.71$7.75M$1.3810.26

NewtekOne has a beta of 1.3, meaning that its stock price is 30% more volatile than the broader market. Comparatively, United Bancorp has a beta of 0.31, meaning that its stock price is 69% less volatile than the broader market.

NewtekOne pays an annual dividend of $0.76 per share and has a dividend yield of 6.8%. United Bancorp pays an annual dividend of $0.79 per share and has a dividend yield of 5.6%. NewtekOne pays out 34.2% of its earnings in the form of a dividend. United Bancorp pays out 57.2% 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. NewtekOne has raised its dividend for 1 consecutive years and United Bancorp has raised its dividend for 13 consecutive years. NewtekOne is clearly the better dividend stock, given its higher yield and lower payout ratio.

38.4% of NewtekOne shares are owned by institutional investors. Comparatively, 15.4% of United Bancorp shares are owned by institutional investors. 5.9% of NewtekOne shares are owned by insiders. Comparatively, 13.9% of United Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

In the previous week, United Bancorp had 1 more articles in the media than NewtekOne. MarketBeat recorded 1 mentions for United Bancorp and 0 mentions for NewtekOne. United Bancorp's average media sentiment score of 1.04 beat NewtekOne's score of -1.00 indicating that United Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
NewtekOne Negative
United Bancorp Positive

NewtekOne currently has a consensus price target of $16.33, suggesting a potential upside of 45.96%. Given NewtekOne's higher probable upside, equities analysts clearly believe NewtekOne is more favorable than United Bancorp.

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

Summary

NewtekOne beats United Bancorp on 11 of the 18 factors compared between the two stocks.

How does United Bancorp compare to Fvcbankcorp?

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

Fvcbankcorp has a consensus target price of $21.00, suggesting a potential upside of 19.32%. Given Fvcbankcorp's stronger consensus rating and higher probable upside, analysts clearly believe Fvcbankcorp is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Fvcbankcorp
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancorp$47.51M1.71$7.75M$1.3810.26
Fvcbankcorp$122.03M2.60$22.06M$1.4212.39

Fvcbankcorp has a net margin of 20.45% compared to United Bancorp's net margin of 16.55%. United Bancorp's return on equity of 11.53% beat Fvcbankcorp's return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancorp16.55% 11.53% 0.92%
Fvcbankcorp 20.45%9.80%1.08%

15.4% of United Bancorp shares are held by institutional investors. Comparatively, 43.6% of Fvcbankcorp shares are held by institutional investors. 13.9% of United Bancorp shares are held by company insiders. Comparatively, 11.2% of Fvcbankcorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

In the previous week, Fvcbankcorp had 1 more articles in the media than United Bancorp. MarketBeat recorded 2 mentions for Fvcbankcorp and 1 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.04 beat Fvcbankcorp's score of 0.37 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)
Positive
Fvcbankcorp
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

United Bancorp has a beta of 0.31, meaning that its share price is 69% less volatile than the broader market. Comparatively, Fvcbankcorp has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market.

United Bancorp pays an annual dividend of $0.79 per share and has a dividend yield of 5.6%. Fvcbankcorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.6%. United Bancorp pays out 57.2% of its earnings in the form of a dividend. Fvcbankcorp pays out 19.7% 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 raised 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

Fvcbankcorp beats United Bancorp on 14 of the 19 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

Export
MetricUnited BancorpBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$80.64M$22.82B$13.42B$13.39B
Dividend Yield5.34%3.13%6.04%17.39%
P/E Ratio10.2625.6924.9426.45
Price / Sales2.429.19480.77114.13
Price / Cash8.4714.8143.9853.24
Price / Book1.161.342.716.33
Net Income$7.75M$2.58B$1.31B$381.96M
7 Day Performance-4.26%0.18%0.03%-0.40%
1 Month Performance-10.83%-2.87%-3.14%-4.84%
1 Year Performance6.79%21.23%10.66%1.42%

United Bancorp Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBCP
United Bancorp
2.5959 of 5 stars		$14.16
+0.7%		N/A+0.9%$80.64M$33.52M10.26133
BCML
Bay Commercial Bank
4.7462 of 5 stars		$30.78
-0.3%		$34.00
+10.5%		+9.9%$337.10M$104.88M25.65327
FSBW
FS Bancorp
3.4962 of 5 stars		$43.83
-1.4%		$45.00
+2.7%		+10.7%$330.50M$152.61M10.10585
JMSB
John Marshall Bancorp
3.6336 of 5 stars		$22.90
-0.9%		$25.00
+9.2%		+19.0%$325.99M$68.17M13.24140
NEWT
NewtekOne
4.4477 of 5 stars		$11.22
+0.3%		$16.33
+45.6%		-0.4%$324.09M$276.53M5.05572

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This page (NASDAQ:UBCP) was last updated on 10/7/2026 by MarketBeat.com Staff.
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