UBCP vs. MELI
UBCP (United Bancorp, Inc.) and MELI (MercadoLibre, Inc.) are both stocks. UBCP operates in Banks - Regional (Financial Services), while MELI operates in Internet Retail (Consumer Cyclical). Over the past 10 years, UBCP returned 10.52%/yr vs 28.28%/yr for MELI. At a 0.03 correlation, their price movements are largely independent.
Performance
UBCP vs. MELI - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, UBCP achieves a 14.17% return, which is significantly higher than MELI's -19.97% return. Over the past 10 years, UBCP has underperformed MELI with an annualized return of 10.52%, while MELI has yielded a comparatively higher 28.28% annualized return.
UBCP
- 1D
- 0.63%
- 1M
- -0.00%
- YTD
- 14.17%
- 6M
- 22.94%
- 1Y
- 25.00%
- 3Y*
- 18.52%
- 5Y*
- 6.71%
- 10Y*
- 10.52%
MELI
- 1D
- 0.26%
- 1M
- -1.26%
- YTD
- -19.97%
- 6M
- -22.81%
- 1Y
- -35.06%
- 3Y*
- 10.08%
- 5Y*
- 4.13%
- 10Y*
- 28.28%
UBCP vs. MELI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UBCP United Bancorp, Inc. | 14.17% | 17.96% | 8.37% | -6.95% | -7.37% | 32.06% | -3.73% | 31.06% | -10.12% | 1.89% |
MELI MercadoLibre, Inc. | -19.97% | 18.46% | 8.20% | 85.71% | -37.24% | -19.51% | 192.90% | 95.30% | -6.93% | 101.99% |
Correlation
The correlation between UBCP and MELI is -0.02, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.02 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.02 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.03 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.03 |
Correlation (All Time) Calculated using the full available price history since Aug 13, 2007 | 0.03 |
Fundamentals
UBCP:
$87.96M
MELI:
$81.72B
UBCP:
$1.40
MELI:
$37.87
UBCP:
11.44
MELI:
42.56
UBCP:
1.86
MELI:
2.66
UBCP:
1.32
MELI:
11.22
UBCP:
$47.82M
MELI:
$30.67B
UBCP:
$32.28M
MELI:
$13.95B
UBCP:
$8.59M
MELI:
$3.11B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
UBCP vs. MELI — Risk / Return Rank
UBCP
MELI
UBCP vs. MELI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for United Bancorp, Inc. (UBCP) and MercadoLibre, Inc. (MELI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| UBCP | MELI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.63 | ||
| Sortino ratioReturn per unit of downside risk | +2.37 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 0.85 | +0.31 |
| Calmar ratioReturn relative to maximum drawdown | 1.55 | -0.86 | +2.41 |
| Martin ratioReturn relative to average drawdown | 3.59 | -1.54 | +5.14 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| UBCP | MELI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.74 | -0.89 | +1.63 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.18 | 0.08 | +0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.30 | 0.58 | -0.28 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.14 | 0.44 | -0.31 |
Drawdowns
UBCP vs. MELI - Drawdown Comparison
The maximum UBCP drawdown since its inception was -67.81%, smaller than the maximum MELI drawdown of -89.49%. Use the drawdown chart below to compare losses from any high point for UBCP and MELI.
Loading charts...
Drawdown Indicators
| UBCP | MELI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -67.81% | -89.49% | +21.68% |
Max Drawdown (1Y)Largest decline over 1 year | -16.23% | -40.82% | +24.59% |
Max Drawdown (3Y)Largest decline over 3 years | -24.14% | -40.82% | +16.68% |
Max Drawdown (5Y)Largest decline over 5 years | -48.00% | -68.64% | +20.64% |
Max Drawdown (10Y)Largest decline over 10 years | -48.00% | -69.12% | +21.12% |
Current DrawdownCurrent decline from peak | -5.94% | -38.32% | +32.38% |
Average DrawdownAverage peak-to-trough decline | -23.32% | -23.58% | +0.26% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.97% | 22.74% | -15.77% |
Volatility
UBCP vs. MELI - Volatility Comparison
The current volatility for United Bancorp, Inc. (UBCP) is 13.24%, while MercadoLibre, Inc. (MELI) has a volatility of 17.04%. This indicates that UBCP experiences smaller price fluctuations and is considered to be less risky than MELI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| UBCP | MELI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.24% | 17.04% | -3.80% |
Volatility (6M)Calculated over the trailing 6-month period | 26.46% | 30.13% | -3.67% |
Volatility (1Y)Calculated over the trailing 1-year period | 34.23% | 39.42% | -5.19% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.71% | 49.68% | -12.97% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.28% | 48.89% | -13.61% |
Dividends
UBCP vs. MELI - Dividend Comparison
UBCP's dividend yield for the trailing twelve months is around 5.81%, while MELI has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MELI MercadoLibre, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.19% | 0.38% | 0.36% |
UBCP United Bancorp, Inc. | 5.81% | 6.41% | 6.58% | 6.35% | 5.26% | 4.11% | 4.32% | 3.81% | 4.55% | 3.47% | 3.48% | 4.38% |
Financials
UBCP vs. MELI - Financials Comparison
This section allows you to compare key financial metrics between United Bancorp, Inc. and MercadoLibre, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
UBCP vs. MELI - Profitability Comparison
UBCP - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, United Bancorp, Inc. reported a gross profit of 7.91M and revenue of 11.44M. Therefore, the gross margin over that period was 69.1%.
MELI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, MercadoLibre, Inc. reported a gross profit of 3.86B and revenue of 7.72B. Therefore, the gross margin over that period was 50.1%.
UBCP - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, United Bancorp, Inc. reported an operating income of 1.75M and revenue of 11.44M, resulting in an operating margin of 15.3%.
MELI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, MercadoLibre, Inc. reported an operating income of 611.00M and revenue of 7.72B, resulting in an operating margin of 7.9%.
UBCP - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, United Bancorp, Inc. reported a net income of 1.91M and revenue of 11.44M, resulting in a net margin of 16.7%.
MELI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, MercadoLibre, Inc. reported a net income of 417.00M and revenue of 7.72B, resulting in a net margin of 5.4%.
Frequently Asked Questions
UBCP and MELI have a correlation of -0.02, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
MELI has higher volatility (17.04%) compared to UBCP (13.24%). In terms of maximum drawdown, UBCP dropped -67.81% vs MELI's -89.49%.
UBCP currently has the higher Sharpe Ratio (0.73 vs -0.89), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for UBCP and MELI
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer