OptimumBank (OPHC) 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
OptimumBank (OPHC) has outperformed United Bancorp (UBCP) over the past year, gaining 115.3% versus a gain of 6.9%. Over five years, OPHC leads with a +53.9% price change compared with -6.2% for UBCP. OptimumBank is the larger company by market cap ($113.9 million vs $83.2 million), about 1.4 times the size.
On valuation, OptimumBank trades at a lower forward P/E (6.7x vs 9.0x for United Bancorp). United Bancorp pays a dividend yielding 5.28%, while OptimumBank 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 | OPHC | UBCP |
|---|---|---|
| Share price | $9.02 | $14.50 |
| Market cap | $113.93M | $83.17M |
| 1-day change | -0.77% | +2.33% |
| YTD return | +112.24% | -1.25% |
| 1-year return | +115.27% | +6.86% |
| 5-year return | +53.92% | -6.16% |
| P/E ratio (TTM) | 10.37 | 10.51 |
| Forward P/E | 6.68 | 8.95 |
| EPS (TTM) | $0.87 | $1.38 |
| Dividend yield | 0.00% | 5.28% |
| Annual dividend | $0.00 | $0.765 |
| 52-week high | $10.68 | $17.34 |
| 52-week low | $3.91 | $12.55 |
| Distance from 52-week high | -15.54% | -16.38% |
| Analyst consensus | none | none |
| Avg. price target upside | +21.06% | +37.93% |
| Average volume | 124.18K | 5.63K |
| Shares outstanding | 12.63M | 5.74M |
| Employees | 98 | 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
- OPHC has outperformed UBCP by 108.4 percentage points over the past year.
- United Bancorp offers a meaningfully higher dividend yield (5.28% vs 0.00%).
About OptimumBank
OPHC stock →OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses.
Financial Services · Banks - Regional · 98 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
OPHC vs UBCP FAQ
Which is bigger, OptimumBank or United Bancorp?
OptimumBank (OPHC) is larger, with a market capitalization of $113.93M compared with $83.17M for United Bancorp (UBCP).
Which stock has performed better over the past year, OPHC or UBCP?
OPHC returned +115.27% over the past 12 months, compared with +6.86% for UBCP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPHC or UBCP?
OPHC has the lower trailing P/E at 10.4, versus 10.5 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, OptimumBank or United Bancorp?
United Bancorp pays a dividend yielding 5.28%, while OptimumBank does not currently pay a regular dividend.
Are OptimumBank and United Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.