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United Bancorp (UBCP) Competitors

United Bancorp logo
$16.00 +0.52 (+3.36%)
As of 08/25/2026 11:18 AM Eastern

UBCP vs. BCML, FVCB, COSO, JMSB, and FCCO

Should you buy United Bancorp stock or one of its competitors? United Bancorp's main competitors and comparable companies include Bay Commercial Bank (BCML), Fvcbankcorp (FVCB), CoastalSouth Bancshares (COSO), John Marshall Bancorp (JMSB), and First Community (FCCO). 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 better investment? We will compare the two companies based on the strength of their dividends, institutional ownership, valuation, risk, analyst recommendations, media sentiment, earnings and profitability.

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

Bay Commercial Bank has a consensus price target of $34.00, suggesting a potential upside of 13.45%. Given Bay Commercial Bank's higher probable 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)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Bay Commercial Bank
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 4.9%. Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 4.0%. United Bancorp pays out 56.5% 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.

United Bancorp has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market. Comparatively, Bay Commercial Bank has a beta of 0.27, meaning that its share price is 73% less volatile than the broader market.

In the previous week, Bay Commercial Bank had 4 more articles in the media than United Bancorp. MarketBeat recorded 7 mentions for Bay Commercial Bank and 3 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.41 beat Bay Commercial Bank's score of 1.07 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
2 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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$47.51M1.93$7.75M$1.3811.59
Bay Commercial Bank$141.48M2.31$23.93M$1.2024.98

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%

Summary

United Bancorp beats Bay Commercial Bank 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 compare the two businesses based on the strength of their analyst recommendations, risk, profitability, dividends, earnings, valuation, institutional ownership and media sentiment.

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$47.51M1.93$7.75M$1.3811.59
Fvcbankcorp$122.03M2.72$22.06M$1.4212.96

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%

United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 4.9%. Fvcbankcorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.5%. United Bancorp pays out 56.5% 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.

Fvcbankcorp has a consensus price target of $21.00, indicating a potential upside of 14.07%. Given Fvcbankcorp's 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)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Fvcbankcorp
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

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

United Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the broader market. Comparatively, Fvcbankcorp has a beta of 0.33, meaning that its stock price is 67% less volatile than the broader market.

In the previous week, Fvcbankcorp had 4 more articles in the media than United Bancorp. MarketBeat recorded 7 mentions for Fvcbankcorp and 3 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.41 beat Fvcbankcorp's score of 0.86 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
4 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Fvcbankcorp beats United Bancorp on 12 of the 19 factors compared between the two stocks.

How does United Bancorp compare to CoastalSouth Bancshares?

CoastalSouth Bancshares (NYSE:COSO) 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 dividends, valuation, risk, analyst recommendations, institutional ownership, earnings, profitability and media sentiment.

CoastalSouth Bancshares currently has a consensus price target of $30.00, suggesting a potential upside of 8.77%. Given CoastalSouth Bancshares' higher possible upside, research analysts clearly believe CoastalSouth Bancshares is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CoastalSouth Bancshares
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

CoastalSouth Bancshares has a net margin of 19.59% compared to United Bancorp's net margin of 16.55%. United Bancorp's return on equity of 11.53% beat CoastalSouth Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
CoastalSouth Bancshares19.59% 10.57% 1.18%
United Bancorp 16.55%11.53%0.92%

CoastalSouth Bancshares pays an annual dividend of $0.20 per share and has a dividend yield of 0.7%. United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 4.9%. CoastalSouth Bancshares pays out 9.0% of its earnings in the form of a dividend. United Bancorp pays out 56.5% 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
CoastalSouth Bancshares$135.78M2.43$24.89M$2.2212.42
United Bancorp$47.51M1.93$7.75M$1.3811.59

15.4% of United Bancorp shares are owned by institutional investors. 15.1% of CoastalSouth Bancshares shares are owned by insiders. Comparatively, 13.9% of United Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

In the previous week, United Bancorp had 3 more articles in the media than CoastalSouth Bancshares. MarketBeat recorded 3 mentions for United Bancorp and 0 mentions for CoastalSouth Bancshares. United Bancorp's average media sentiment score of 1.41 beat CoastalSouth Bancshares' score of 0.00 indicating that United Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
CoastalSouth Bancshares Neutral
United Bancorp Positive

Summary

CoastalSouth Bancshares beats United Bancorp on 11 of the 17 factors compared between the two stocks.

How does United Bancorp compare to John Marshall Bancorp?

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

John Marshall Bancorp has a consensus price target of $24.50, suggesting a potential upside of 7.03%. Given John Marshall Bancorp's 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
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
John Marshall Bancorp
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.00

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
United Bancorp16.55% 11.53% 0.92%
John Marshall Bancorp 20.41%9.16%1.04%

United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 4.9%. John Marshall Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. United Bancorp pays out 56.5% of its earnings in the form of a dividend. John Marshall Bancorp pays out 23.1% 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.

United Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the broader market. Comparatively, John Marshall Bancorp has a beta of 0.58, meaning that its stock price is 42% less volatile than the broader market.

15.4% of United Bancorp shares are held by institutional investors. Comparatively, 39.1% of John Marshall Bancorp shares are held by institutional investors. 13.9% of United Bancorp shares are held by insiders. Comparatively, 12.6% of John Marshall Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

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
United Bancorp$47.51M1.93$7.75M$1.3811.59
John Marshall Bancorp$115.33M2.80$21.23M$1.7313.23

In the previous week, John Marshall Bancorp had 1 more articles in the media than United Bancorp. MarketBeat recorded 4 mentions for John Marshall Bancorp and 3 mentions for United Bancorp. United Bancorp's average media sentiment score of 1.41 beat John Marshall Bancorp's score of 0.39 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
John Marshall Bancorp
0 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Summary

John Marshall Bancorp beats United Bancorp on 14 of the 19 factors compared between the two stocks.

How does United Bancorp compare to First Community?

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

First Community pays an annual dividend of $0.68 per share and has a dividend yield of 2.0%. United Bancorp pays an annual dividend of $0.78 per share and has a dividend yield of 4.9%. First Community pays out 25.4% of its earnings in the form of a dividend. United Bancorp pays out 56.5% 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. First Community has increased its dividend for 4 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.

In the previous week, First Community and First Community both had 3 articles in the media. United Bancorp's average media sentiment score of 1.41 beat First Community's score of 0.90 indicating that United Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Community
1 Very Positive mention(s)
0 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)
Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Community$114M2.81$19.20M$2.6812.69
United Bancorp$47.51M1.93$7.75M$1.3811.59

61.3% of First Community shares are owned by institutional investors. Comparatively, 15.4% of United Bancorp shares are owned by institutional investors. 8.8% of First Community shares are owned by company insiders. Comparatively, 13.9% of United Bancorp 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.

First Community has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, United Bancorp has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market.

First Community currently has a consensus target price of $37.50, suggesting a potential upside of 10.23%. Given First Community's higher probable upside, research analysts clearly believe First Community is more favorable than United Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Community
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
United Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

First Community has a net margin of 18.32% compared to United Bancorp's net margin of 16.55%. First Community's return on equity of 13.23% beat United Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
First Community18.32% 13.23% 1.16%
United Bancorp 16.55%11.53%0.92%

Summary

First Community beats United Bancorp on 12 of the 17 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$88.79M$23.56B$14.05B$12.72B
Dividend Yield5.04%3.19%5.89%11.02%
P/E Ratio11.5927.4026.5824.14
Price / Sales1.939.36522.53101.59
Price / Cash9.3316.0638.5053.12
Price / Book1.271.362.196.25
Net Income$7.75M$2.58B$1.31B$347.86M
7 Day Performance4.17%0.34%1.41%0.98%
1 Month Performance0.82%1.53%2.98%5.24%
1 Year Performance11.27%22.99%11.47%17.04%

United Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBCP
United Bancorp
4.3693 of 5 stars
$16.00
+3.4%
N/A+10.2%$88.79M$47.51M11.59120
BCML
Bay Commercial Bank
4.6135 of 5 stars
$31.10
+1.6%
$34.00
+9.3%
-0.8%$339.23M$141.48M25.92370
FVCB
Fvcbankcorp
4.212 of 5 stars
$18.86
+0.6%
$21.00
+11.3%
+38.3%$338.68M$122.03M13.28130
COSO
CoastalSouth Bancshares
2.6614 of 5 stars
$27.78
-0.2%
$30.00
+8.0%
N/A$332.45M$135.78M12.51180
JMSB
John Marshall Bancorp
3.1878 of 5 stars
$22.96
-0.6%
$24.50
+6.7%
+15.8%$328.11M$115.33M13.27140

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This page (NASDAQ:UBCP) was last updated on 8/26/2026 by MarketBeat.com Staff.
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