Pathfinder Bancorp (PBHC) 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
Pathfinder Bancorp (PBHC) has outperformed United Bancorp (UBCP) over the past year, gaining 13.9% versus a gain of 9.4%. Over five years, PBHC leads with a +8.0% price change compared with -4.0% for UBCP. Pathfinder Bancorp is the larger company by market cap ($106.5 million vs $84.1 million), about 1.3 times the size.
On valuation, United Bancorp trades at a lower trailing P/E (10.6x vs 1696.0x for Pathfinder Bancorp). United Bancorp offers the higher dividend yield (5.22% vs 2.36%).
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 | PBHC | UBCP |
|---|---|---|
| Share price | $16.96 | $14.66 |
| Market cap | $106.49M | $84.08M |
| 1-day change | -3.09% | +1.10% |
| YTD return | +24.03% | +1.05% |
| 1-year return | +13.86% | +9.43% |
| 5-year return | +8.02% | -3.97% |
| P/E ratio (TTM) | — | 10.62 |
| Forward P/E | — | 9.05 |
| EPS (TTM) | $0.01 | $1.38 |
| Dividend yield | 2.36% | 5.22% |
| Annual dividend | $0.40 | $0.765 |
| 52-week high | $18.30 | $17.34 |
| 52-week low | $12.06 | $12.55 |
| Distance from 52-week high | -7.32% | -15.46% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +36.43% |
| Average volume | 7.77K | 5.78K |
| Shares outstanding | 4.90M | 5.74M |
| Employees | — | 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
- United Bancorp offers a meaningfully higher dividend yield (5.22% vs 2.36%).
About Pathfinder Bancorp
PBHC stock →Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States.
Finance · Major Banks
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
PBHC vs UBCP FAQ
Which is bigger, Pathfinder Bancorp or United Bancorp?
Pathfinder Bancorp (PBHC) is larger, with a market capitalization of $106.49M compared with $84.08M for United Bancorp (UBCP).
Which stock has performed better over the past year, PBHC or UBCP?
PBHC returned +13.86% over the past 12 months, compared with +9.43% for UBCP (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Pathfinder Bancorp or United Bancorp?
United Bancorp has the higher yield at 5.22%, compared with 2.36% for Pathfinder Bancorp.
Are Pathfinder Bancorp and United Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.