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UBCP Stock Chart & Stats
$14.49
-$0.24(-1.81%)
At close: 4:00 PM EST
$14.49
-$0.24(-1.81%)
Day’s Range― - ―
52-Week Range$12.47 - $17.34
Previous CloseN/A
Volume1.30K
Average Volume (3M)4.31K
Market Cap
$94.12M
Enterprise Value$200.75M
Total Cash (Recent Filing)$145.16M
Total Debt (Recent Filing)$117.48M
Price to Earnings (P/E)11.9
Beta-0.18
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.51%
Share Statistics
EPS (TTM)1.37
Shares Outstanding5,781,030
10 Day Avg. Volume3,318
30 Day Avg. Volume4,310
Financial Highlights & Ratios
PEG Ratio0.92
Price to Book (P/B)1.12
Price to Sales (P/S)1.66
P/FCF Ratio-43.23
Enterprise Value/Market Cap2.13
Enterprise Value/Revenue4.20
Enterprise Value/Gross Profit6.22
Enterprise Value/Ebitda22.29
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.35
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Re-accelerating Revenue GrowthTTM revenue acceleration indicates the franchise is regaining top-line momentum after prior weakness, supporting durable loan origination and fee activity. Sustained revenue growth improves scale economics, underwriting coverage and the bank’s ability to rebuild margins over the next several quarters.
Positive Free Cash Flow GenerationTurning to positive free cash flow provides recurring internal funding for dividends, loan growth or de-leveraging without relying solely on external capital. Even with moderate cash conversion, sustained FCF improves liquidity flexibility and capital return optionality over a multi-quarter horizon.
Consistent Shareholder DistributionsA pattern of regular and special dividends signals management confidence in capital adequacy and earnings durability. Predictable cash returns enhance investor visibility and reflect disciplined capital management that can be maintained if earnings and capital metrics remain stable.
Bears Say
Elevated LeverageMaterially higher leverage increases sensitivity to funding cost swings and credit losses, constraining the bank’s ability to absorb shocks or opportunistically invest. Elevated debt-to-equity reduces capital flexibility and raises refinancing and regulatory scrutiny risk across multiple quarters.
Rising CRE ConcentrationIncreasing commercial real estate concentration heightens cyclical credit exposure to a single sector with local price and occupancy risks. A concentrated CRE book can lead to larger provisions and capital strain if sector stress emerges, a structural vulnerability over the next 2–6 months.
Compressed Profitability Vs Prior YearsSustained margin compression from prior years reduces earnings resiliency and the buffer against higher provisions or funding costs. Lower margins limit internal capital generation and constrain return-on-equity expansion unless the bank improves pricing, mix, or efficiency over subsequent quarters.
United Bancorp News
UBCP FAQ
What was United Bancorp’s price range in the past 12 months?
United Bancorp lowest stock price was $12.47 and its highest was $17.34 in the past 12 months.
What is United Bancorp’s market cap?
United Bancorp’s market cap is $94.12M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Aug 05, 2026 which is in 33 days.
How were United Bancorp’s earnings last quarter?
United Bancorp released its earnings results on Apr 30, 2026. The company reported $0.33 earnings per share for the quarter, the consensus estimate of $0.33 by $0.
Is United Bancorp overvalued?
According to Wall Street analysts United Bancorp’s price is currently Overvalued.
Does United Bancorp pay dividends?
United Bancorp pays a Quarterly dividend of $0.195 which represents an annual dividend yield of 6.51%. See more information on United Bancorp dividends here
What is United Bancorp’s EPS estimate?
United Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does United Bancorp have?
United Bancorp has 5,781,030 shares outstanding.
What happened to United Bancorp’s price movement after its last earnings report?
United Bancorp reported an EPS of $0.33 in its last earnings report, expectations of $0.33. Following the earnings report the stock price went up 2.63%.
Which hedge fund is a major shareholder of United Bancorp?
Currently, no hedge funds are holding shares in UBCP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Bancorp Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.28%
12-Months-Change
Fundamentals
Return on Equity
11.80%
Trailing 12-Months
Asset Growth
3.35%
Trailing 12-Months
Company Description
United Bancorp
United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.
Technical Analysis
Bank Of The Jame Financial
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Broadway Financial
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Summit State Bank
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
10.02% Insiders
3.17% Mutual Funds
6.03% Other Institutional Investors
78.40% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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