AmeriServ Financial (ASRV) vs United Bancorp (UBCP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
AmeriServ Financial (ASRV) has outperformed United Bancorp (UBCP) over the past year, gaining 48.3% versus a gain of 9.4%. Over five years, ASRV leads with a +16.5% price change compared with -4.0% for UBCP. United Bancorp is the larger company by market cap ($82.6 million vs $75.6 million), about 1.1 times the size.
On valuation, AmeriServ Financial trades at a lower trailing P/E (8.7x vs 10.4x for United Bancorp). United Bancorp offers the higher dividend yield (5.31% vs 2.70%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ASRV | UBCP |
|---|---|---|
| Share price | $4.45 | $14.41 |
| Market cap | $75.58M | $82.65M |
| 1-day change | +0.03% | -0.62% |
| YTD return | +39.50% | +1.05% |
| 1-year return | +48.33% | +9.43% |
| 5-year return | +16.49% | -3.97% |
| P/E ratio (TTM) | 8.73 | 10.44 |
| Forward P/E | — | 8.90 |
| EPS (TTM) | $0.51 | $1.38 |
| Dividend yield | 2.70% | 5.31% |
| Annual dividend | $0.12 | $0.765 |
| 52-week high | $5.38 | $17.34 |
| 52-week low | $2.86 | $12.55 |
| Distance from 52-week high | -17.26% | -16.90% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +38.79% |
| Average volume | 19.34K | 5.78K |
| Shares outstanding | 16.98M | 5.74M |
| Employees | 297 | 125 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- ASRV has outperformed UBCP by 38.9 percentage points over the past year.
- United Bancorp offers a meaningfully higher dividend yield (5.31% vs 2.70%).
About AmeriServ Financial
ASRV stock →AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States.
Finance · Major Banks · 297 employees
About United Bancorp
UBCP stock →United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio.
Finance · Major Banks · 125 employees
ASRV vs UBCP FAQ
Which is bigger, AmeriServ Financial or United Bancorp?
United Bancorp (UBCP) is larger, with a market capitalization of $82.65M compared with $75.58M for AmeriServ Financial (ASRV).
Which stock has performed better over the past year, ASRV or UBCP?
ASRV returned +48.33% over the past 12 months, compared with +9.43% for UBCP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ASRV or UBCP?
ASRV has the lower trailing P/E at 8.7, versus 10.4 for UBCP. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, AmeriServ Financial or United Bancorp?
United Bancorp has the higher yield at 5.31%, compared with 2.70% for AmeriServ Financial.
Are AmeriServ Financial and United Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.