COMP <GO>
SSBI vs UBCP // EV/EBITDA & P/E VALUATION
Summit State Bank (NASDAQ) VS. United Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: SSBI 0
— UBCP 3
■ METRIC PARITY
LAST: $11.43 (-2.97%) • MKT CAP: $78.6M
valuation
—
LAST: $14.16 (-3.02%) • MKT CAP: $83.7M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SSBI VS. UBCP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SSBI | UBCP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | — | 11.00% | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -1.58% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 6.55% | -6.55 | UBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | — | 4/9 | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 32.7 | 48.2 | -15.50 | UBCP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $78.6M | $83.7M | -$5.1M | UBCP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SSBI REV | UBCP REV | SSBI GROSS % | UBCP GROSS % | SSBI FCF | UBCP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $0 | — | — | — | -$1.3M |
| FY 2024 | — | $0 | — | — | — | -$1.2M |
| FY 2023 | — | $0 | — | — | — | $9.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SSBI // BETA —
UBCP // BETA —