Central Plains Bancshares (CPBI) vs United Bancorp (UBCP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Central Plains Bancshares (CPBI) has outperformed United Bancorp (UBCP) over the past year, gaining 22.2% versus a gain of 11.0%. United Bancorp is the larger company by market cap ($84.1 million vs $77.8 million), about 1.1 times the size. On valuation, United Bancorp trades at a lower trailing P/E (10.5x vs 16.9x for Central Plains Bancshares).
United Bancorp pays a dividend yielding 5.22%, while Central Plains Bancshares does not currently pay one.
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 | CPBI | UBCP |
|---|---|---|
| Share price | $20.00 | $14.66 |
| Market cap | $77.76M | $84.08M |
| 1-day change | 0.00% | +1.10% |
| YTD return | +18.20% | +2.16% |
| 1-year return | +22.17% | +10.98% |
| 5-year return | — | -3.97% |
| P/E ratio (TTM) | 16.95 | 10.47 |
| Forward P/E | — | 9.05 |
| EPS (TTM) | $1.18 | $1.40 |
| Dividend yield | 0.00% | 5.22% |
| Annual dividend | $0.00 | $0.765 |
| 52-week high | $21.84 | $17.34 |
| 52-week low | $15.56 | $12.55 |
| Distance from 52-week high | -8.40% | -15.46% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +36.43% |
| Average volume | 2.97K | 5.78K |
| Shares outstanding | 3.89M | 5.74M |
| Employees | 68 | 125 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | 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
- CPBI has outperformed UBCP by 11.2 percentage points over the past year.
- Central Plains Bancshares trades at a higher earnings multiple (16.9x vs 10.5x trailing P/E).
- United Bancorp offers a meaningfully higher dividend yield (5.22% vs 0.00%).
About Central Plains Bancshares
CPBI stock →Central Plains Bancshares, Inc. operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that operates as a federally chartered stock savings and loan association in Nebraska, the United States.
Finance · Savings Institutions · 68 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
CPBI vs UBCP FAQ
Which is bigger, Central Plains Bancshares or United Bancorp?
United Bancorp (UBCP) is larger, with a market capitalization of $84.08M compared with $77.76M for Central Plains Bancshares (CPBI).
Which stock has performed better over the past year, CPBI or UBCP?
CPBI returned +22.17% over the past 12 months, compared with +10.98% for UBCP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CPBI or UBCP?
UBCP has the lower trailing P/E at 10.5, versus 16.9 for CPBI. 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, Central Plains Bancshares or United Bancorp?
United Bancorp pays a dividend yielding 5.22%, while Central Plains Bancshares does not currently pay a regular dividend.
Are Central Plains Bancshares and United Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Savings Institutions for Central Plains Bancshares and Major Banks for United Bancorp.