UBCP vs IROQ

Comparison between United Bancorp Inc (Martins Ferry OH) (UBCP, Company) and IF Bancorp Inc (IROQ, Company).

Both UBCP and IROQ are from the Financial Services sector.

5-Year PerformanceUBCP has outperformed IROQ, delivering a return of +8.0% compared to +6.3%

UBCP vs IROQ - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UBCP(COMPANY)	IROQ(COMPANY)
Market Cap	$89M	$89M
Max Drawdown	57.17%	49.02%
Sharpe Ratio	0.54	0.51
5Y Beta	-0.00	N/A
Industry	Banks - Regional	Banks - Regional
P/E Ratio	11.24	17.20
Forward P/E	10.30	N/A
PEG Ratio	1.51	0.24
Dividend Yield	4.89%	1.51%
5Y Dividends CAGR	10.84%	14.87%
5Y EPS CAGR	-1.86%	0.10%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	-4.61%	6.52%

Market Cap

Winner

UBCP

$89M

IROQ

$89M

Max Drawdown

UBCP

57.17%

Winner

IROQ

49.02%

Sharpe Ratio

Winner

UBCP

0.54

IROQ

0.51

5Y Beta

UBCP

-0.00

IROQ

N/A

Industry

UBCP

Banks - Regional

IROQ

Banks - Regional

P/E Ratio

Winner

UBCP

11.24

IROQ

17.20

Forward P/E

UBCP

10.30

IROQ

N/A

PEG Ratio

UBCP

1.51

Winner

IROQ

0.24

Dividend Yield

Winner

UBCP

4.89%

IROQ

1.51%

5Y Dividends CAGR

UBCP

10.84%

Winner

IROQ

14.87%

5Y EPS CAGR

UBCP

-1.86%

Winner

IROQ

0.10%

Debt to Equity

UBCP

0.00%

IROQ

0.00%

Free Cash Flow Yield

UBCP

-4.61%

Winner

IROQ

6.52%

UBCP vs IROQ - Historical Returns

Returns include dividend reinvestment.

Period	UBCP	IROQ
1 month	+1.83%	-4.67%
3 months	+1.36%	-0.93%
6 months	+9.09%	+4.67%
1 year	+16.83%	+10.89%
5 years(CAGR)	+7.96%	+6.32%
10 years(CAGR)	+10.12%	+5.16%
Max(CAGR)	+6.94%	+6.99%

Winner

UBCP

+1.83%

IROQ

-4.67%

Winner

UBCP

+1.36%

IROQ

-0.93%

Winner

UBCP

+9.09%

IROQ

+4.67%

Winner

UBCP

+16.83%

IROQ

+10.89%

5Y(CAGR)

Winner

UBCP

+7.96%

IROQ

+6.32%

10Y(CAGR)

Winner

UBCP

+10.12%

IROQ

+5.16%

Max(CAGR)

UBCP

+6.94%

Winner

IROQ

+6.99%

UBCP vs IROQ - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UBCP	IROQ
2026	+12.67%	-1.63%
2025	+15.89%	+19.92%
2024	+4.46%	+48.58%
2023	-7.29%	-7.57%
2022	-8.54%	-32.39%
2021	+33.90%	+31.87%
2020	-6.59%	-4.49%
2019	+30.76%	+12.91%
2018	-9.15%	+4.78%
2017	+3.07%	+6.96%
2016	+47.61%	+0.57%
2015	+24.71%	+10.04%
2014	-9.08%	+1.87%
2013	+33.68%	+21.21%
2012	-23.45%	+22.56%
2011	+3.11%	-3.86%
2010	+9.20%	N/A
2009	-7.85%	N/A
2008	+4.19%	N/A
2007	+8.17%	N/A
2006	-5.26%	N/A
2005	-5.77%	N/A
2004	-5.89%	N/A
2003	+49.65%	N/A
2002	+10.20%	N/A
2001	+16.25%	N/A
2000	-3.47%	N/A
1999	+4.67%	N/A

UBCP vs IROQ Drawdown Comparison

The maximum drawdown for UBCP was -47.99%, occurring on Oct 24, 2023. Recovery took 983 trading sessions.

The maximum drawdown for IROQ was -47.44%, occurring on Jun 12, 2023. Recovery took 823 trading sessions.

The current UBCP drawdown is -7.22%. The current IROQ drawdown is -5.25%.

Rank	UBCP	IROQ
#1	-47.99% Apr 19, 2022 - Mar 20, 2026	-47.44% Dec 21, 2021 - Apr 3, 2025
#2	-41.67% Dec 31, 1999 - Apr 9, 2002	-38.07% Jul 27, 2018 - Nov 11, 2021
#3	-41.14% Apr 20, 2012 - Jun 26, 2015	-12.35% Jan 13, 2016 - Nov 16, 2016
#4	-39.85% Dec 30, 2019 - Mar 2, 2021	-9.26% Apr 3, 2025 - Aug 26, 2025
#5	-36.98% Dec 1, 2004 - Mar 20, 2012	-8.66% May 15, 2012 - Oct 4, 2012
#6	-27.93% Dec 15, 2003 - Nov 24, 2004	-8.49% Nov 23, 2021 - Dec 16, 2021
#7	-25.23% Sep 18, 2015 - Sep 2, 2016	-8.43% Jul 19, 2011 - Mar 7, 2012
#8	-24.35% Jun 7, 2018 - Dec 6, 2019	-6.52% Feb 27, 2017 - May 10, 2018
#9	-20.93% Sep 19, 2002 - Nov 26, 2002	-6.33% Dec 18, 2015 - Jan 5, 2016
#10	-18.60% Nov 2, 1999 - Dec 30, 1999	-6.14% Mar 20, 2015 - Oct 20, 2015
#11	-16.85% Jun 8, 2021 - Aug 27, 2021	-6.13% Jan 14, 2014 - Jul 14, 2014
#12	-16.23% Mar 24, 2026 - May 18, 2026	-6.09% Nov 16, 2016 - Feb 2, 2017
#13	-14.83% Apr 9, 2002 - Sep 18, 2002	-5.25% Feb 12, 2026 - Mar 12, 2026
#14	-14.39% Dec 22, 2016 - Dec 18, 2017	-4.62% Jul 30, 2014 - Mar 20, 2015
#15	-14.36% Jan 18, 2018 - May 9, 2018	-4.55% May 10, 2018 - Jun 1, 2018

Correlation

Correlation between UBCP and IROQ is 0.81 which considered as a strong positive correlation - the stocks tend to move together.

0.81

-101

Dividend Comparison (1999 - 2026)

UBCP vs IROQ dividend yield comparison.

Year	UBCP	IROQ
2026	3.61%	0.00%
2025	6.41%	1.48%
2024	6.58%	1.72%
2023	6.35%	2.50%
2022	5.26%	2.17%
2021	4.11%	1.25%
2020	4.32%	1.36%
2019	3.81%	1.19%
2018	4.55%	1.12%
2017	3.47%	0.92%
2016	3.48%	0.86%
2015	4.38%	0.54%
2014	4.09%	0.59%
2013	3.61%	0.30%
2012	6.71%	0.00%
2011	6.62%	0.00%
2010	6.43%	0.00%
2009	6.57%	0.00%
2008	5.40%	0.00%
2007	4.96%	0.00%
2006	4.87%	0.00%
2005	3.96%	0.00%
2004	3.25%	0.00%
2003	2.66%	0.00%
2002	3.59%	0.00%
2001	3.74%	0.00%
2000	3.77%	0.00%
1999	0.49%	0.00%