United Bancorp (UBCP)
NASDAQ:UBCP
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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
$91.34M
Enterprise Value$198.38M
Total Cash (Recent Filing)$244.50M
Total Debt (Recent Filing)$117.48M
Price to Earnings (P/E)11.0
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 Cap2.17
Enterprise Value/Revenue4.15
Enterprise Value/Gross Profit6.15
Enterprise Value/Ebitda22.03
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
Revenue Growth MomentumSustained re-acceleration in TTM revenue signals recovering core franchise momentum across lending and fee streams. Over 2-6 months this supports higher net interest income potential, improved lending scale, and steadier top-line that underpins medium-term earnings stability.
Improving Cash GenerationPositive TTM free cash flow marks a structural shift from prior negative periods, improving the bank's ability to fund dividends, absorb credit losses, and invest in operations. Consistent FCF strengthens long-term financial flexibility and capital allocation choices.
Shareholder Distribution PolicyA pattern of regular dividends and a special payout reflects disciplined capital management and confidence in earnings and capital adequacy. For income-oriented investors, this provides predictable cash returns and indicates management prioritizes sustainable shareholder distributions.
Bears Say
Elevated LeverageMaterial rise in debt-to-equity increases sensitivity to funding stress and credit cycles. Elevated leverage reduces balance-sheet flexibility, raises capital needs under stress scenarios, and can amplify downside in earnings and returns if loan performance weakens.
Commercial Real Estate ConcentrationIncreasing CRE concentration raises cyclical credit vulnerability; downturns in CRE markets can produce outsized loan losses and capital strain for a regional bank. Over a multi-month horizon this concentration heightens downside risk to asset quality and provisioning.
Margin CompressionA meaningful drop from prior net margins (>20% to ~16%) signals lasting pressure on profitability from funding costs or asset mix. Lower margins reduce internal capital generation, restrict reinvestment, and leave less buffer for credit losses, weakening durable earnings power.
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 $91.34M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Aug 05, 2026 which is in 52 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
Outperform
1
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3
4
5
6
7
8
9
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
78.61% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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