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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
$87.32M
Enterprise Value$149.26
Total Cash (Recent Filing)$145.16M
Total Debt (Recent Filing)$117.48M
Price to Earnings (P/E)10.7
Beta-0.17
Next Earnings
Nov 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.16%
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 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
Revenue Re-acceleration & Solid ProfitabilitySustained TTM revenue re-acceleration and a ~16% net margin indicate demand recovery and recurring earnings from core banking (loan yields, deposit spread and fee income). Over a 2–6 month horizon this supports stable net interest income and underwriting capacity, underpinning organic growth and credit extension.
Positive Free Cash FlowTurning TTM free cash flow positive (~$4.9M) marks a durable shift from prior outflows and improves internal funding for loan growth, capital cushions and dividend funding. Even with moderate cash conversion, positive FCF reduces near-term external financing reliance and supports operational resilience.
Shareholder-friendly Capital ReturnsManagement’s combination of regular dividends and a one-time special payout signals disciplined capital allocation and confidence in balance-sheet liquidity. For income-focused stakeholders, this structural policy enhances investor visibility and suggests surplus capital generation beyond core needs.
Bears Say
Elevated Leverage ProfileLeverage rising materially to a TTM debt/equity ~1.74 sharply increases sensitivity to funding stress, interest-rate moves and credit losses. Higher leverage reduces balance-sheet flexibility for lending or reserve builds and amplifies downside volatility in capital ratios during economic or credit cycles.
Commercial Real Estate ConcentrationGrowing concentration in CRE lending elevates cyclical credit risk and vulnerability to local property-market downturns. Structurally, CRE exposure can lead to larger, correlated impairments and higher provisioning needs across cycles, pressuring capital, earnings and lending capacity over the medium term.
Margin Compression Vs Prior YearsNet margins compressed from earlier >~20% to ~16% TTM, reducing earnings power and the cushion against credit losses or higher funding costs. Persistently lower margins constrain reinvestment, dividend sustainability and organic capital generation absent offsetting revenue or efficiency gains.
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 $87.32M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Nov 03, 2026 which is in 94 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 6.16%. 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 $0.36 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
Outperform
1
2
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
6.16%
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
10.02% Insiders
3.17% Mutual Funds
2.83% Other Institutional Investors
81.53% Public Companies and
Individual Investors