Which has the lower trailing P/E, CPBI or UBCP?

UBCP has the lower trailing P/E: CPBI trades at 17.45 and UBCP at 10.09. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does CPBI or UBCP pay a bigger dividend?

UBCP pays a dividend (6.59% yield), while CPBI has no payments in the available dividend history.

Is CPBI or UBCP more profitable?

UBCP runs the higher net margin — CPBI at 14.33% versus UBCP at 16.55%.

Central Plains Bancshares, Inc. Common Stock (CPBI) vs United Bancorp, Inc. (UBCP)

A side-by-side comparison of Central Plains Bancshares, Inc. Common Stock and United Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

CPBI

Central Plains Bancshares, Inc. Common Stock

$85M

$20.42Financial ServicesDelayed quote: Oct 6, 2026, 1:48 PM EDT

UBCP

United Bancorp, Inc.

$82M

$14.13Financial ServicesDelayed quote: Oct 6, 2026, 2:14 PM EDT

Total return — CPBI vs UBCP

growth of $100 · dividends reinvested · last 3y

CPBI +117.0% (+29.5%/yr)UBCP +66.6% (+18.5%/yr)CPBI compounded faster over this window

CPBI UBCP

CPBI vs UBCP: by the numbers

•CPBI is the larger company ($85M vs $82M market cap).
•UBCP trades at the lower trailing earnings multiple (10.09 vs 17.45 P/E), one valuation lens rather than an overall verdict.
•UBCP converts more revenue to profit (16.55% vs 14.33% net margin).
•UBCP pays a dividend (6.59% yield), while CPBI has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	CPBI	UBCP
P/E ratio	17.45	10.09
Forward P/E	N/A	10.47
P/S ratio	2.72	1.70
P/B ratio	0.95	1.13

Profitability

Metric	CPBI	UBCP
Operating margin	17.85%	15.98%
Net margin	14.33%	16.55%
ROE	4.99%	11.06%

Central Plains Bancshares, Inc. Common Stock: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

United Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	CPBI	UBCP
Dividend yield	N/A	6.59%
Payout ratio	N/A	67.86%

Growth (annualized)

Metric	CPBI	UBCP
Revenue CAGR (5Y)	N/A	8.89%
EPS CAGR (5Y)	N/A	0.43%
Total return CAGR (5Y)	N/A	4.70%

Frequently asked

Which has the lower trailing P/E, CPBI or UBCP?: UBCP has the lower trailing P/E: CPBI trades at 17.45 and UBCP at 10.09. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does CPBI or UBCP pay a bigger dividend?: UBCP pays a dividend (6.59% yield), while CPBI has no payments in the available dividend history.
Is CPBI or UBCP more profitable?: UBCP runs the higher net margin — CPBI at 14.33% versus UBCP at 16.55%.

Go deeper

Full CPBI analysis Full UBCP analysis Interactive comparison tool

Dig into the metrics

Central Plains Bancshares, Inc. Common Stock P/E ratio United Bancorp P/E ratio United Bancorp dividend yield Central Plains Bancshares, Inc. Common Stock ROE United Bancorp ROE Central Plains Bancshares, Inc. Common Stock operating margin United Bancorp operating margin Central Plains Bancshares, Inc. Common Stock revenue growth United Bancorp revenue growth

Central Plains Bancshares, Inc. Common Stock & United Bancorp appear in these rankings

Highest Dividend Yield Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.