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UBCP Stock Chart & Stats
$15.86
$0.36(2.29%)
At close: 4:00 PM EDT
$15.86
$0.36(2.29%)
Day’s Range― - ―
52-Week Range$12.47 - $17.34
Previous Close$15.87
Volume438.00
Average Volume (3M)4.31K
Market Cap
$88.10M
Enterprise Value$189.83
Total Cash (Recent Filing)$249.41M
Total Debt (Recent Filing)$111.28M
Price to Earnings (P/E)11.4
Beta-0.18
Next Earnings
Nov 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.8%
Share Statistics
EPS (TTM)1.42
Shares Outstanding5,735,518
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Strong Revenue GrowthAccelerating revenue growth indicates stronger loan, investment or fee-income contribution and can provide a durable base for earnings expansion if credit discipline and funding access remain sound.
Solid Profitability And Cash RecoveryHealthy profitability combined with cash generation broadly aligned with earnings supports internal capital formation and resilience, giving the bank greater capacity to fund operations and maintain financial flexibility.
Consistent Shareholder DistributionsA recurring dividend and year-over-year increase signal continued willingness to return capital, potentially reinforcing customer and shareholder confidence while reflecting management’s assessment of ongoing earnings capacity.
Bears Say
Elevated Leverage Reduces FlexibilityHigher leverage leaves less balance-sheet flexibility to absorb credit losses, funding pressure or changing interest rates. Reported ratio volatility also makes the underlying capital position harder to assess consistently.
Commercial Real Estate Concentration RiskGreater commercial real estate concentration can amplify losses if property values, occupancy or refinancing conditions weaken. This creates a structural credit-risk exposure that may affect provisions and capital over multiple quarters.
Compressed Margins And Uneven Cash FlowLower margins suggest reduced earnings durability versus prior-cycle peaks, while inconsistent cash realization weakens confidence in reported profits. Sustained pressure could limit capital generation and dividend flexibility.
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 $88.10M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Nov 03, 2026 which is in 74 days.
How were United Bancorp’s earnings last quarter?
United Bancorp released its earnings results on Jul 23, 2026. The company reported $0.36 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 Semiannually dividend of $0.195 which represents an annual dividend yield of 5.8%. 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 5,735,518 shares outstanding.
What happened to United Bancorp’s price movement after its last earnings report?
United Bancorp reported an EPS of $0.36 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -2.021%.
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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Insider Transactions
Bought Shares
Worth $201.3K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.28%
12-Months-Change
Fundamentals
Return on Equity
5.80%
Trailing 12-Months
Asset Growth
3.55%
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
10.10% Insiders
3.19% Mutual Funds
4.78% Other Institutional Investors
79.43% Public Companies and
Individual Investors