Fifth District Bancorp (FDSB) 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
Fifth District Bancorp (FDSB) has outperformed United Bancorp (UBCP) over the past year, gaining 28.4% versus a gain of 9.4%. Fifth District Bancorp is the larger company by market cap ($91.9 million vs $83.2 million), about 1.1 times the size. On valuation, United Bancorp trades at a lower trailing P/E (10.5x vs 51.6x for Fifth District Bancorp).
United Bancorp pays a dividend yielding 5.28%, while Fifth District Bancorp 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 | FDSB | UBCP |
|---|---|---|
| Share price | $17.56 | $14.50 |
| Market cap | $91.94M | $83.17M |
| 1-day change | +0.34% | +2.33% |
| YTD return | +17.07% | +1.05% |
| 1-year return | +28.36% | +9.43% |
| 5-year return | — | -3.97% |
| P/E ratio (TTM) | 51.65 | 10.51 |
| Forward P/E | — | 8.95 |
| EPS (TTM) | $0.34 | $1.38 |
| Dividend yield | 0.00% | 5.28% |
| Annual dividend | $0.00 | $0.765 |
| 52-week high | $18.69 | $17.34 |
| 52-week low | $13.00 | $12.55 |
| Distance from 52-week high | -6.06% | -16.38% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +37.93% |
| Average volume | 6.35K | 5.63K |
| Shares outstanding | 5.24M | 5.74M |
| Employees | 66 | 125 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- FDSB has outperformed UBCP by 18.9 percentage points over the past year.
- Fifth District Bancorp trades at a higher earnings multiple (51.6x vs 10.5x trailing P/E).
- United Bancorp offers a meaningfully higher dividend yield (5.28% vs 0.00%).
About Fifth District Bancorp
FDSB stock →Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in the United States.
Financial Services · Banks - Regional · 66 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.
Financial Services · Banks - Regional · 125 employees
FDSB vs UBCP FAQ
Which is bigger, Fifth District Bancorp or United Bancorp?
Fifth District Bancorp (FDSB) is larger, with a market capitalization of $91.94M compared with $83.17M for United Bancorp (UBCP).
Which stock has performed better over the past year, FDSB or UBCP?
FDSB returned +28.36% 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, FDSB or UBCP?
UBCP has the lower trailing P/E at 10.5, versus 51.6 for FDSB. 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, Fifth District Bancorp or United Bancorp?
United Bancorp pays a dividend yielding 5.28%, while Fifth District Bancorp does not currently pay a regular dividend.
Are Fifth District Bancorp and United Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.