Summit State Bank (SSBI) 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
United Bancorp (UBCP) has outperformed Summit State Bank (SSBI) over the past year, gaining 9.4% versus a gain of 5.5%. Over five years, UBCP leads with a -4.0% price change compared with -25.6% for SSBI. United Bancorp is the larger company by market cap ($82.6 million vs $82.2 million), about 1.0 times the size.
On valuation, United Bancorp trades at a lower trailing P/E (10.4x vs 36.8x for Summit State Bank). United Bancorp pays a dividend yielding 5.31%, while Summit State Bank 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 | SSBI | UBCP |
|---|---|---|
| Share price | $12.15 | $14.41 |
| Market cap | $82.21M | $82.65M |
| 1-day change | -4.03% | -0.62% |
| YTD return | +8.86% | +1.05% |
| 1-year return | +5.50% | +9.43% |
| 5-year return | -25.57% | -3.97% |
| P/E ratio (TTM) | 36.82 | 10.44 |
| Forward P/E | — | 8.90 |
| EPS (TTM) | $0.33 | $1.38 |
| Dividend yield | 0.00% | 5.31% |
| Annual dividend | $0.00 | $0.765 |
| 52-week high | $14.00 | $17.34 |
| 52-week low | $10.35 | $12.55 |
| Distance from 52-week high | -13.21% | -16.90% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +38.79% |
| Average volume | 5.01K | 5.78K |
| Shares outstanding | 6.77M | 5.74M |
| Employees | 103 | 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
- Summit State Bank trades at a higher earnings multiple (36.8x vs 10.4x trailing P/E).
- United Bancorp offers a meaningfully higher dividend yield (5.31% vs 0.00%).
About Summit State Bank
SSBI stock →Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts.
Finance · Major Banks · 103 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
SSBI vs UBCP FAQ
Which is bigger, Summit State Bank or United Bancorp?
United Bancorp (UBCP) is larger, with a market capitalization of $82.65M compared with $82.21M for Summit State Bank (SSBI).
Which stock has performed better over the past year, SSBI or UBCP?
UBCP returned +9.43% over the past 12 months, compared with +5.50% for SSBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SSBI or UBCP?
UBCP has the lower trailing P/E at 10.4, versus 36.8 for SSBI. 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, Summit State Bank or United Bancorp?
United Bancorp pays a dividend yielding 5.31%, while Summit State Bank does not currently pay a regular dividend.
Are Summit State Bank and United Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.