COMP <GO>
UBCP vs PBHC // EV/EBITDA & P/E VALUATION
United Bancorp Inc. (NASDAQ) VS. Pathfinder Bancorp Inc. (MD) (NASDAQ) • 15-METRIC TALLY: UBCP 4
— PBHC 2
■ METRIC PARITY
LAST: $14.16 (-3.02%) • MKT CAP: $83.7M
valuation
—
LAST: $17.00 (+1.68%) • MKT CAP: $81.9M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UBCP VS. PBHC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UBCP | PBHC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.00% | -1.60% | +12.60 | UBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -1.58% | 12.72% | -14.30 | PBHC | /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 | 6.55% | 2.33% | +4.22 | UBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 3/9 | +1.00 | UBCP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.2 | 51.7 | -3.51 | PBHC | /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 | $83.7M | $81.9M | $1.8M | UBCP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UBCP REV | PBHC REV | UBCP GROSS % | PBHC GROSS % | UBCP FCF | PBHC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | -$1.3M | $10.4M |
| FY 2024 | $0 | $0 | — | — | -$1.2M | $9.1M |
| FY 2023 | $0 | $0 | — | — | $9.5M | $15.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UBCP // BETA —
PBHC // BETA —