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$12.25 - $17.34
Previous CloseN/A
Volume1.30K
Average Volume (3M)4.31K
Market Cap
$89.29M
Enterprise Value$155.47M
Total Cash (Recent Filing)$163.12M
Total Debt (Recent Filing)$131.27M
Price to Earnings (P/E)10.9
Beta-0.16
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.51%
Share Statistics
EPS (TTM)1.34
Shares Outstanding5,756,852
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 Cap1.74
Enterprise Value/Revenue3.27
Enterprise Value/Gross Profit4.89
Enterprise Value/Ebitda17.24
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
Improved Balance-sheet LeverageA materially de-risked leverage profile in 2025 reduces vulnerability to deposit runs, rate shocks, or funding stress. Lower debt/equity increases regulatory and capital headroom, supports continued lending capacity and makes dividend/credit decisions more sustainable over the medium term.
Steady Revenue GrowthConsistent low-to-mid single-digit revenue growth reflects stable customer demand in its regional retail and commercial franchise. Predictable top-line from net interest and fee income supports planning, underwriting and preserves core cash generation despite cyclical headwinds.
Shareholder-friendly Dividend PolicyThe combination of regular and a one-time special dividend in 2026 signals management confidence in capital adequacy and cash generation. A consistent payout policy can attract income-focused investors and indicates durable free cash allocation priorities when maintained prudently.
Bears Say
Negative Free Cash Flow TrendFCF deterioration despite positive operating cash flow means earnings are not yielding residual cash after investment. This weakens flexibility for organic growth, raises reliance on deposits or external funding, and limits the cushion for dividends or capital buffers over coming months.
Softening Profitability And MarginsA sustained decline in margins reduces internal capital generation and the bank's ability to absorb credit losses or funding cost increases. Unless offset by fee growth or cost cuts, lower profitability constrains ROE improvement and makes dividend policies and growth investments harder to sustain.
Prior Elevated Leverage A SensitivityEven with 2025 improvement, the recent history of very high leverage is a structural risk: recurrence of stress could quickly erode capital, force asset sales or restrict lending. That legacy raises the odds of procyclical actions under adverse macro or funding shocks.
United Bancorp News
UBCP FAQ
What was United Bancorp’s price range in the past 12 months?
United Bancorp lowest stock price was $12.25 and its highest was $17.34 in the past 12 months.
What is United Bancorp’s market cap?
United Bancorp’s market cap is $89.29M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Aug 05, 2026 which is in 83 days.
How were United Bancorp’s earnings last quarter?
United Bancorp released its earnings results on May 07, 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 $0.19 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 5,756,852 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 1.937%.
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
12.05%
Trailing 12-Months
Asset Growth
5.04%
Trailing 12-Months
Company Description
United Bancorp
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
Technical Analysis
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Ownership Overview
8.08% Insiders
2.84% Mutual Funds
5.12% Other Institutional Investors
81.94% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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