SVRN, Inc. (SVRN) vs United Bancorp, Inc. (UBCP)
A side-by-side comparison of SVRN, Inc. 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.
SVRN
SVRN, Inc.
$43.72Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT
UBCP
United Bancorp, Inc.
$14.16Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT
Total return — SVRN vs UBCP
growth of $100 · dividends reinvested · last 5ySVRN -100.0% (-84.1%/yr)UBCP +24.3% (+4.4%/yr)UBCP compounded faster over this window
Log scale — wide-divergence pair
SVRN UBCP
SVRN vs UBCP: by the numbers
- •SVRN is the larger company ($82M vs $82M market cap).
- •UBCP is profitable (16.55% net margin) while SVRN runs a net loss (-486.57%).
- •UBCP grew revenue faster over the past five years (8.89% vs 8.42% CAGR).
- •UBCP pays a dividend (6.59% yield), while SVRN is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | SVRN | UBCP |
|---|---|---|
| P/E ratio | N/A | 10.11 |
| Forward P/E | N/A | 10.49 |
| P/S ratio | 6.12 | 1.70 |
| P/B ratio | 0.52 | 1.14 |
Profitability
| Metric | SVRN | UBCP |
|---|---|---|
| Gross margin | -9.93% | N/A |
| Operating margin | -202.84% | 15.98% |
| Net margin | -486.57% | 16.55% |
| ROE | -41.63% | 11.06% |
| ROIC | -20.05% | N/A |
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 | SVRN | UBCP |
|---|---|---|
| Dividend yield | N/A | 6.59% |
| Payout ratio | N/A | 67.86% |
Growth (annualized)
| Metric | SVRN | UBCP |
|---|---|---|
| Revenue CAGR (5Y) | 8.42% | 8.89% |
| EPS CAGR (5Y) | N/A | 0.43% |
| Total return CAGR (5Y) | N/A | 4.70% |
Frequently asked
- Which has grown faster, SVRN or UBCP?
- Over the past five years, UBCP grew revenue faster — SVRN at a 8.42% CAGR versus UBCP at 8.89%.
- Does SVRN or UBCP pay a bigger dividend?
- UBCP pays a dividend (6.59% yield), while SVRN is a former payer with no current dividend run rate.
- Is SVRN or UBCP more profitable?
- UBCP runs the higher net margin — SVRN at -486.57% versus UBCP at 16.55%.
Go deeper
Dig into the metrics
United Bancorp P/E ratioUnited Bancorp dividend yieldSVRN ROEUnited Bancorp ROESVRN operating marginUnited Bancorp operating marginSVRN revenue growthUnited Bancorp revenue growthSVRN free cash flow
SVRN & United Bancorp appear in these rankings
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.