UBCP vs. SPGI
UBCP (United Bancorp, Inc.) and SPGI (S&P Global Inc.) are both stocks. Both are in the Financial Services sector — UBCP in Banks - Regional, SPGI in Financial Data & Stock Exchanges. Over the past 10 years, UBCP returned 10.52%/yr vs 15.58%/yr for SPGI. At a 0.03 correlation, their price movements are largely independent.
Performance
UBCP vs. SPGI - Performance Comparison
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Returns By Period
In the year-to-date period, UBCP achieves a 14.17% return, which is significantly higher than SPGI's -19.82% return. Over the past 10 years, UBCP has underperformed SPGI with an annualized return of 10.52%, while SPGI has yielded a comparatively higher 15.58% 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%
SPGI
- 1D
- -1.73%
- 1M
- -0.49%
- YTD
- -19.82%
- 6M
- -14.85%
- 1Y
- -19.02%
- 3Y*
- 3.63%
- 5Y*
- 2.49%
- 10Y*
- 15.58%
UBCP vs. SPGI - 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% |
SPGI S&P Global Inc. | -19.82% | 5.71% | 13.94% | 32.79% | -28.38% | 44.68% | 21.40% | 62.27% | 1.37% | 59.32% |
Correlation
The correlation between UBCP and SPGI 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 | 0.04 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.05 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.04 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2001 | 0.03 |
Fundamentals
UBCP:
$87.96M
SPGI:
$124.13B
UBCP:
$1.40
SPGI:
$15.79
UBCP:
11.44
SPGI:
26.42
UBCP:
1.86
SPGI:
8.02
UBCP:
1.32
SPGI:
3.97
UBCP:
$47.82M
SPGI:
$15.73B
UBCP:
$32.28M
SPGI:
$8.15B
UBCP:
$8.59M
SPGI:
$7.83B
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Return for Risk
UBCP vs. SPGI — Risk / Return Rank
UBCP
SPGI
UBCP vs. SPGI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for United Bancorp, Inc. (UBCP) and S&P Global Inc. (SPGI). 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 | SPGI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.43 | ||
| Sortino ratioReturn per unit of downside risk | +2.00 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 0.89 | +0.27 |
| Calmar ratioReturn relative to maximum drawdown | 1.55 | -0.63 | +2.17 |
| Martin ratioReturn relative to average drawdown | 3.59 | -1.21 | +4.80 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| UBCP | SPGI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.74 | -0.70 | +1.43 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.18 | 0.10 | +0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.30 | 0.60 | -0.30 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.14 | 0.45 | -0.31 |
Drawdowns
UBCP vs. SPGI - Drawdown Comparison
The maximum UBCP drawdown since its inception was -67.81%, smaller than the maximum SPGI drawdown of -74.67%. Use the drawdown chart below to compare losses from any high point for UBCP and SPGI.
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Drawdown Indicators
| UBCP | SPGI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -67.81% | -74.67% | +6.86% |
Max Drawdown (1Y)Largest decline over 1 year | -16.23% | -30.48% | +14.25% |
Max Drawdown (3Y)Largest decline over 3 years | -24.14% | -30.48% | +6.34% |
Max Drawdown (5Y)Largest decline over 5 years | -48.00% | -39.76% | -8.24% |
Max Drawdown (10Y)Largest decline over 10 years | -48.00% | -39.76% | -8.24% |
Current DrawdownCurrent decline from peak | -5.94% | -25.45% | +19.51% |
Average DrawdownAverage peak-to-trough decline | -23.32% | -15.22% | -8.10% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.97% | 15.77% | -8.80% |
Volatility
UBCP vs. SPGI - Volatility Comparison
United Bancorp, Inc. (UBCP) has a higher volatility of 13.24% compared to S&P Global Inc. (SPGI) at 8.15%. This indicates that UBCP's price experiences larger fluctuations and is considered to be riskier than SPGI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UBCP | SPGI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.24% | 8.15% | +5.09% |
Volatility (6M)Calculated over the trailing 6-month period | 26.46% | 23.85% | +2.61% |
Volatility (1Y)Calculated over the trailing 1-year period | 34.23% | 27.42% | +6.81% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.71% | 24.47% | +12.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.28% | 26.03% | +9.25% |
Dividends
UBCP vs. SPGI - Dividend Comparison
UBCP's dividend yield for the trailing twelve months is around 5.81%, more than SPGI's 0.93% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SPGI S&P Global Inc. | 0.93% | 0.73% | 0.73% | 0.82% | 0.99% | 0.65% | 0.82% | 0.84% | 1.18% | 0.97% | 1.34% | 1.34% |
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. SPGI - Financials Comparison
This section allows you to compare key financial metrics between United Bancorp, Inc. and S&P Global 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. SPGI - 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%.
SPGI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, S&P Global Inc. reported a gross profit of 0.00 and revenue of 4.17B. Therefore, the gross margin over that period was 0.0%.
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%.
SPGI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, S&P Global Inc. reported an operating income of 2.00B and revenue of 4.17B, resulting in an operating margin of 48.0%.
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%.
SPGI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, S&P Global Inc. reported a net income of 1.40B and revenue of 4.17B, resulting in a net margin of 33.5%.
Frequently Asked Questions
UBCP and SPGI 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.
UBCP has higher volatility (13.24%) compared to SPGI (8.15%). In terms of maximum drawdown, UBCP dropped -67.81% vs SPGI's -74.67%.
UBCP currently has the higher Sharpe Ratio (0.73 vs -0.70), 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.
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