Compare two stocks side-by-side:

United Bancorp, Inc. UBCP | NASDAQ

$14.56 $0.00 | 0.00%
Market Cap: $79.30 M
PE Ratio: 10.55
52-Week Range: $12.82 - $17.34
10-year Total Return: +127.6%
Dividend Yield (FWD): 5.43%

Pathfinder Bancorp Inc. PBHC | NASDAQ

$17.05 $0.00 | 0.00%
Market Cap: $83.13 M
PE Ratio: 0
52-Week Range: $12.06 - $18.3
10-year Total Return: +60.1%
Dividend Yield (FWD): 2.35%

10-year Total Returns with DRIP & Price Chart for UBCP and PBHC

1Y 2Y 5Y 10Y All
1Y 2Y 5Y 10Y All

10-yr Total Returns UBCP vs PBHC
UBCP PBHC
Initial Balance $10,000 $10,000
Initial Price $10.95 $12.46
Initial Shares 913.24 802.57
 
Total Dividends $8,649 $2,030
Last Dividend $0.1975 $0.1
Estimated Divs $309 / quarter $94 / quarter
Yield-on-Cost 7.21% 3.21%
End Shares 1562.97 (+649.73) 938.83 (+136.26)
Last Shares Price $14.56 $17.05
Total End Value $22,757 $16,007
Total Return +127.6% +60.1%
Comparison start date: Nov 14, 2016
UBCP & PBHC Dividend Charts
Dividend Payments & Yield - UBCP
UBCP Dividend CAGR:1Y: 5.33%2Y: 5.48%5Y: 6.01%10Y: 6.03%
Dividend Payments & Yield - PBHC
PBHC Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 7.39%10Y: 7.17%
Dividend Payout Ratio - UBCP
Dividend Payout Ratio - PBHC
Dividend to Free Cash Flow (FCF) Ratio - UBCP
Dividend to Free Cash Flow (FCF) Ratio - PBHC

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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

UBCP - Revenue
UBCP Revenue CAGR:1Y: -26.95%2Y: -11.72%5Y: 5.17%10Y: 6.39%
PBHC - Revenue
PBHC Revenue CAGR:1Y: 52.95%2Y: N/A5Y: N/A10Y: N/A
UBCP - Earnings Per Share (EPS)
UBCP EPS CAGR:1Y: 9.09%2Y: 9.54%5Y: -1.08%10Y: 7.18%
PBHC - Earnings Per Share (EPS)
PBHC EPS CAGR:1Y: 220.00%2Y: N/A5Y: N/A10Y: N/A
UBCP - Net Income
UBCP Net Income CAGR:1Y: 9.43%2Y: 9.76%5Y: 0.28%10Y: 8.90%
PBHC - Net Income
PBHC Net Income CAGR:1Y: 230.51%2Y: N/A5Y: N/A10Y: N/A
UBCP - EBITDA
UBCP EBITDA CAGR:1Y: -8.86%2Y: 8.39%5Y: -9.54%10Y: 0.63%
PBHC - EBITDA
PBHC EBITDA CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
UBCP - Free Cash Flow
UBCP Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PBHC - Free Cash Flow
PBHC Free Cash Flow CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
UBCP - Free Cash Flow / Share
UBCP Free Cash Flow / Share CAGR:1Y: 104.35%2Y: 0.00%5Y: 10.69%10Y: 16.24%
PBHC - Free Cash Flow / Share
PBHC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
UBCP - Shares Outstanding
UBCP Shares Outstanding CAGR:1Y: -0.32%2Y: -1.40%5Y: -0.02%10Y: 0.91%
PBHC - Shares Outstanding
PBHC Shares Outstanding CAGR:1Y: 3.26%2Y: N/A5Y: N/A10Y: N/A
UBCP - Stock-Based Comp
UBCP Stock-Based Comp CAGR:1Y: 12.50%2Y: -14.99%5Y: -0.79%10Y: 1.07%
PBHC - Stock-Based Comp
PBHC Stock-Based Comp CAGR:1Y: -100.00%2Y: N/A5Y: N/A10Y: N/A
UBCP - Expenses
UBCP Expenses CAGR:1Y: -63.30%2Y: -24.96%5Y: -6.77%10Y: -2.76%
PBHC - Expenses
PBHC Expenses CAGR:1Y: 31.05%2Y: N/A5Y: N/A10Y: N/A

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

UBCP - REVENUE: Actual + Estimates
UBCP Actual Revenue CAGR:1Y: -26.95%2Y: -11.72%5Y: 5.17%10Y: 6.39%
PBHC - REVENUE: Actual + Estimates
PBHC Actual Revenue CAGR:1Y: 52.95%2Y: N/A5Y: N/A10Y: N/A
UBCP - EPS: Actual + Estimates
UBCP Actual EPS CAGR:1Y: 9.09%2Y: 9.54%5Y: -1.08%10Y: 7.18%
PBHC - EPS: Actual + Estimates
PBHC Actual EPS CAGR:1Y: 220.00%2Y: N/A5Y: N/A10Y: N/A
UBCP - NET INCOME: Actual + Estimates
UBCP Actual Net Income CAGR:1Y: 9.43%2Y: 9.76%5Y: 0.28%10Y: 8.90%
PBHC - NET INCOME: Actual + Estimates
PBHC Actual Net Income CAGR:1Y: 230.51%2Y: N/A5Y: N/A10Y: N/A
UBCP - EBITDA: Actual + Estimates
UBCP Actual EBITDA CAGR:1Y: -8.86%2Y: 8.39%5Y: -9.54%10Y: 0.63%
PBHC - EBITDA: Actual + Estimates
PBHC Actual EBITDA CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

Ratios, Profit Margins & Return on Capital:

UBCP - Net Profit Margin
UBCP Net Profit Margin CAGR:1Y: 6.29%2Y: 4.72%5Y: -10.98%10Y: -1.09%
PBHC - Net Profit Margin
PBHC Net Profit Margin CAGR:1Y: 249.83%2Y: N/A5Y: N/A10Y: N/A
UBCP - Gross Profit Margin
UBCP Gross Profit Margin CAGR:1Y: 6.07%2Y: 3.06%5Y: -6.91%10Y: -3.51%
PBHC - Gross Profit Margin
PBHC Gross Profit Margin CAGR:1Y: 30.99%2Y: N/A5Y: N/A10Y: N/A
UBCP - Price to Earnings
PBHC - Price to Earnings
UBCP - Price To Sales Ratio
PBHC - Price To Sales Ratio
UBCP - Return on Capital Employed
PBHC - Return on Capital Employed
UBCP - Return on Invested Capital
PBHC - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

UBCP - EPS vs PE Ratio
PBHC - EPS vs PE Ratio
UBCP - FCF vs FCF/Share
PBHC - FCF vs FCF/Share
UBCP - EPS vs FCF per Share
PBHC - EPS vs FCF per Share
UBCP - FCF vs Stock Based Comp
PBHC - FCF vs Stock Based Comp
UBCP - Revenue vs Net Income
PBHC - Revenue vs Net Income
UBCP - Cash & Debt
PBHC - Cash & Debt

Dividend History Tables

UBCP Dividends Info:

Estimated Annual Dividend: $0.79
Forward Yield: 5.43%
Ex-Dividend Date: 2026-09-10
Lifetime Dividends / Share: $15.96

UBCP Dividend History: Dates, Payments & Yield list

Below is a schedule of all UBCP dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
09/10/202609/14/2026$0.1985.04%5.13%$15.40
06/10/202606/12/2026$0.1954.93%4.99%$15.63
03/10/202603/12/2026$0.3689.48%9.73%$15.11
12/10/202512/12/2025$0.1905.56%5.48%$13.86
09/10/202509/12/2025$0.1885.11%5.35%$14.02
06/10/202506/12/2025$0.1855.54%5.45%$13.58
03/10/202503/12/2025$0.35811.12%10.97%$13.03
12/10/202412/12/2024$0.1805.07%5.21%$13.81
09/10/202409/12/2024$0.1785.86%5.97%$11.90
06/10/202406/12/2024$0.1756.09%5.84%$11.99
03/07/202403/11/2024$0.32310.73%10.71%$12.05
12/07/202312/11/2023$0.1706.18%6.15%$11.06
09/07/202309/11/2023$0.1685.71%5.83%$11.50
06/08/202306/12/2023$0.1655.63%5.67%$11.65
03/09/202303/13/2023$0.3138.52%9.83%$12.71
12/08/202212/20/2022$0.1604.24%4.24%$15.10
09/08/202209/20/2022$0.1583.99%3.77%$16.70
06/09/202206/17/2022$0.1553.73%3.73%$16.64
03/09/202203/18/2022$0.3037.19%7.09%$17.06
12/09/202112/20/2021$0.1503.81%3.85%$15.57
09/09/202109/20/2021$0.1483.87%3.87%$15.23
06/09/202106/18/2021$0.1453.76%3.87%$15.00
03/09/202103/19/2021$0.2436.51%6.71%$14.45
12/09/202012/18/2020$0.1434.37%4.52%$12.62
09/09/202009/18/2020$0.1434.5%4.76%$11.98
06/09/202006/19/2020$0.1434.46%4.7%$12.14
03/09/202003/20/2020$0.1434.52%5.93%$9.62
12/09/201912/20/2019$0.1404.2%4.03%$13.89
09/09/201909/20/2019$0.1384.84%4.64%$11.85
06/07/201906/20/2019$0.1354.73%4.63%$11.67
03/07/201903/20/2019$0.1334.93%4.84%$10.94
12/07/201812/20/2018$0.1806.05%6.09%$11.82
09/07/201809/20/2018$0.1303.87%3.91%$13.30
06/07/201806/20/2018$0.1303.71%3.91%$13.30
03/08/201803/20/2018$0.1304.32%4.03%$12.90
12/07/201712/20/2017$0.1705.6%5%$13.60
09/07/201709/20/2017$0.1203.97%4.09%$11.75
06/07/201706/20/2017$0.1103.79%3.7%$11.89
03/08/201703/20/2017$0.1103.48%3.52%$12.50
12/07/201612/20/2016$0.1604.81%4.83%$13.25
09/07/201609/20/2016$0.1104.19%4.07%$10.80
06/08/201606/20/2016$0.1004.04%4.1%$9.75
03/04/201603/18/2016$0.1004.37%4.26%$9.38
12/04/201512/18/2015$0.1506.38%6.32%$9.49
09/03/201509/18/2015$0.0904.33%3.3%$10.90
06/08/201506/19/2015$0.0904.24%4.24%$8.50
03/06/201503/20/2015$0.0904.48%4.55%$7.92
12/05/201412/19/2014$0.0904.37%4.4%$8.18
09/05/201409/19/2014$0.0803.91%3.92%$8.16
06/06/201406/20/2014$0.0804.06%3.86%$8.29
03/06/201403/20/2014$0.0803.84%3.86%$8.30
11/25/201312/20/2013$0.0804.34%4.26%$7.51
09/06/201309/20/2013$0.0704.06%4.22%$6.63
06/06/201306/20/2013$0.0703.99%3.97%$7.05
03/06/201303/20/2013$0.0704.15%3.84%$7.29
11/21/201212/20/2012$0.0704.44%4.2%$6.66
08/30/201209/20/2012$0.0703.69%3.83%$7.31
05/17/201206/20/2012$0.1405.96%6.05%$9.25
03/01/201203/20/2012$0.1406.19%6.13%$9.14
11/22/201112/20/2011$0.1406.76%6.47%$8.65
08/31/201109/20/2011$0.1406.41%6.48%$8.64
05/18/201106/20/2011$0.1406.39%6.34%$8.83
03/02/201103/18/2011$0.1406.43%6.87%$8.15
11/23/201012/20/2010$0.1406.81%6.72%$8.33
09/01/201009/20/2010$0.1407%6.83%$8.20
05/19/201006/18/2010$0.1406.59%6.69%$8.37
03/03/201003/19/2010$0.1406.7%6.65%$8.42
11/24/200912/18/2009$0.1407%6.91%$8.10
09/02/200909/18/2009$0.1406.59%6.6%$8.49
05/20/200906/19/2009$0.1406.47%6.63%$8.45
03/04/200903/20/2009$0.1407.48%6.85%$8.18
11/25/200812/19/2008$0.1406.39%6.22%$9.00
09/03/200809/19/2008$0.1405.79%5.74%$9.75
05/21/200806/20/2008$0.1304.95%5.28%$9.85
03/05/200803/20/2008$0.1305.39%5.56%$9.35
11/28/200712/20/2007$0.1304.91%5.05%$10.30
09/05/200709/20/2007$0.1304.59%4.87%$10.68
05/23/200706/20/2007$0.1305%4.89%$10.64
03/07/200703/20/2007$0.1305.01%4.96%$10.48
11/29/200612/20/2006$0.1184.18%4.72%$10.02
09/06/200609/20/2006$0.1184.84%4.79%$9.87
05/24/200606/20/2006$0.1184.62%4.78%$9.88
03/08/200603/20/2006$0.1184.8%4.69%$10.09
11/30/200512/20/2005$0.1073.74%3.97%$10.82
09/06/200509/20/2005$0.1184.49%4.55%$10.40
05/25/200506/20/2005$0.1184.39%4.58%$10.33
03/04/200503/18/2005$0.1183.95%3.89%$12.15
12/01/200412/20/2004$0.1183.42%3.89%$12.15
09/03/200409/20/2004$0.1073.97%3.94%$10.92
05/26/200406/18/2004$0.1073.51%3.8%$11.30
03/05/200403/19/2004$0.1073.58%3.58%$12.02
11/28/200312/19/2003$0.1073.51%3.2%$13.41
09/04/200309/19/2003$0.0984.15%4.1%$9.53
05/28/200306/20/2003$0.0984.27%4.18%$9.35
03/06/200303/20/2003$0.0983.88%4.17%$9.36
11/27/200212/20/2002$0.0983.95%4.12%$9.49
08/28/200209/20/2002$0.0934.43%4.08%$9.11
05/29/200206/20/2002$0.0934.41%4.43%$8.39
03/04/200203/20/2002$0.0934.04%4.32%$8.62
11/29/200112/20/2001$0.0934.01%4.36%$8.53
08/29/200109/20/2001$0.0894.4%4.09%$8.67
05/30/200106/20/2001$0.0894.78%4.44%$7.99
03/05/200103/20/2001$0.0895.58%5.45%$6.50
11/29/200012/20/2000$0.0895.04%5.2%$6.81
08/30/200009/20/2000$0.0845.33%5.2%$6.49
05/30/200006/20/2000$0.0844.4%5.65%$5.97
02/29/200003/20/2000$0.0844.69%4.23%$7.97
08/30/199909/20/1999$0.0803.16%3.14%$10.25
05/27/199906/18/1999$0.0773.33%3.12%$9.89
02/25/199903/19/1999$0.0772.53%2.5%$12.36
08/28/199809/18/1998$0.0712.25%2.21%$12.78
05/28/199806/19/1998$0.0711.71%2.02%$13.98
02/26/199803/20/1998$0.0711.63%1.96%$14.45
11/26/199712/19/1997$0.0712.22%2.07%$13.65
08/28/199709/19/1997$0.0712.82%2.59%$10.89
05/16/199706/20/1997$0.0592.41%2.77%$8.51
02/27/199703/20/1997$0.0592.3%2.13%$11.04
12/02/199612/20/1996$0.0592.48%2.34%$10.06
08/28/199609/20/1996$0.0592.59%2.61%$9.03
05/16/199606/20/1996$0.0543.14%2.84%$7.54
03/06/199603/20/1996$0.0593.03%3.74%$6.30
11/30/199512/20/1995$0.0593.23%3.09%$7.63
08/18/199509/08/1995$0.0592.66%2.93%$8.03
05/09/199506/09/1995$0.0542.46%2.28%$9.37
02/27/199503/10/1995$0.0542.55%2.35%$9.10
11/18/199412/09/1994$0.0432.06%1.45%$11.77
08/15/199409/09/1994$0.0431.46%1.56%$10.97
05/04/199406/10/1994$0.0431.98%1.45%$11.77
02/18/199403/10/1994$0.0431.77%1.52%$11.24
11/23/199312/10/1993$0.0211.19%0.86%$9.90
08/24/199309/10/1993$0.0402.5%2.5%$6.42
05/07/199306/10/1993$0.0402.58%2.5%$6.42

PBHC Dividends Info:

Estimated Annual Dividend: $0.4
Forward Yield: 2.35%
Ex-Dividend Date: 2026-10-16
Lifetime Dividends / Share: $4.45

PBHC Dividend History: Dates, Payments & Yield list

Below is a schedule of all PBHC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
10/16/202610/19/2026$0.1002.4%2.32%$17.24
07/17/202607/20/2026$0.1002.44%2.49%$16.05
04/17/202604/20/2026$0.1002.95%2.95%$13.57
01/16/202601/19/2026$0.1002.79%3.08%$12.97
10/17/202510/20/2025$0.1002.66%2.66%$15.06
07/18/202507/21/2025$0.1002.62%2.62%$15.24
04/17/202504/21/2025$0.1002.58%2.64%$15.16
01/17/202501/20/2025$0.1002.43%2.3%$17.40
10/18/202410/21/2024$0.1002.12%2.27%$17.63
07/19/202407/22/2024$0.1002.67%2.3%$17.37
04/18/202404/22/2024$0.1003.33%3.28%$12.19
01/11/202401/15/2024$0.0902.72%2.71%$13.30
10/19/202310/23/2023$0.0902.67%2.63%$13.70
07/20/202307/24/2023$0.0902.4%2.49%$14.44
04/21/202304/24/2023$0.0902.26%2.3%$15.66
01/13/202301/16/2023$0.0901.88%1.89%$19.03
10/13/202210/17/2022$0.0901.76%1.79%$20.10
07/14/202207/18/2022$0.0901.88%1.87%$19.30
04/21/202204/25/2022$0.0901.8%1.77%$20.32
01/13/202201/17/2022$0.0701.65%0%$0.00
10/14/202110/18/2021$0.0701.72%1.7%$16.44
07/15/202107/19/2021$0.0701.75%1.77%$15.80
04/14/202104/16/2021$0.0701.78%1.86%$15.02
01/14/202101/18/2021$0.0601.96%0%$0.00
10/15/202010/19/2020$0.0602.25%2.25%$10.65
07/16/202007/20/2020$0.0602.4%2.53%$9.50
04/15/202004/17/2020$0.0602.53%2.55%$9.40
01/16/202001/20/2020$0.0601.73%0%$0.00
10/17/201910/21/2019$0.0601.85%1.84%$13.01
07/18/201907/22/2019$0.0601.71%1.71%$14.00
04/17/201904/19/2019$0.0601.81%0%$0.00
01/17/201901/21/2019$0.0601.66%0%$0.00
10/18/201810/22/2018$0.0601.59%1.59%$15.11
07/19/201807/23/2018$0.0601.53%1.53%$15.65
04/19/201804/23/2018$0.0601.55%1.54%$15.58
01/11/201801/15/2018$0.0581.5%0%$0.00
10/12/201710/16/2017$0.0551.46%1.42%$15.46
07/12/201707/14/2017$0.0531.37%1.35%$15.56
04/11/201704/13/2017$0.0501.37%1.36%$14.67
01/11/201701/13/2017$0.0501.49%1.49%$13.40
10/12/201610/14/2016$0.0501.62%1.66%$12.06
07/14/201607/18/2016$0.0501.75%1.7%$11.74
04/14/201604/18/2016$0.0501.74%1.79%$11.15
01/07/201601/11/2016$0.0501.57%1.56%$12.82
10/09/201510/12/2015$0.0501.79%1.79%$11.15
07/13/201507/15/2015$0.0301.01%1.02%$11.80
04/13/201504/15/2015$0.0301.19%1.19%$10.06
01/13/201501/15/2015$0.0301.21%1.21%$9.92
10/10/201410/13/2014$0.0180.72%0.74%$9.85
07/11/201407/14/2014$0.0180.4%0.8%$9.11
04/11/201404/14/2014$0.0180.41%0.79%$9.26
01/13/201401/15/2014$0.0180.44%0.44%$8.20
10/10/201310/14/2013$0.0180.44%0.44%$8.20
07/11/201307/15/2013$0.0180.46%0.44%$8.20
01/09/201301/11/2013$0.0180.58%0.58%$6.31
03/27/200303/31/2003$0.0610%0%$0.00
12/27/200212/30/2002$0.0490%0%$0.00
09/26/200209/30/2002$0.0490%0%$0.00
06/26/200206/28/2002$0.0430%0%$0.00
03/26/200203/28/2002$0.0430%0%$0.00
12/27/200112/31/2001$0.0430%0%$0.00
09/26/200109/28/2001$0.0430%0%$0.00
06/27/200106/29/2001$0.0360%0%$0.00
03/28/200103/30/2001$0.0360%0%$0.00
12/27/200012/29/2000$0.0360%0%$0.00
09/27/200009/29/2000$0.0360%0%$0.00
03/29/200003/31/2000$0.0360%0%$0.00
01/24/200001/26/2000$0.0360%0%$0.00
10/19/199910/21/1999$0.0360%0%$0.00
07/26/199907/28/1999$0.0360%0%$0.00
03/29/199903/31/1999$0.0360%0%$0.00
01/15/199901/18/1999$0.0300%0%$0.00
09/28/199809/30/1998$0.0300%0%$0.00
07/27/199807/29/1998$0.0300%0%$0.00
07/14/199807/16/1998$0.0300%0%$0.00
03/27/199803/30/1998$0.0300%0%$0.00
12/29/199712/31/1997$0.0280%0%$0.00
10/01/199710/03/1997$0.0280%0%$0.00
06/26/199706/30/1997$0.0280%0%$0.00

Projected Future Values & Dividends for UBCP & PBHC

Based on past 10 years performance, UBCP had share price CAGR of +3.13%, and dividend CAGR of +6.18%.

During same period PBHC had share price CAGR of +3.40%, and dividend CAGR of +7.36%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 10 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

UBCPPBHC
Start Value$10,000$10,000
Start Share Price$14.56$17.05
Start Shares686.81586.51
  
After 10 years:UBCPPBHC
Final Share Count1,177.32741.08
Dividends Payment$0.27$0.14
Annual Dividends$1,266$414
Share Price$19.81$23.83
Total Dividends$8,348$3,098
Final Value$23,326$17,659

Estimated Future Returns - UBCP
Estimated Future Returns - PBHC

Estimate Dividend Snowball and total future returns for UBCP and PBHC with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.