United Bancorp (UBCP)
NASDAQ:UBCP
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
$87.56M
Enterprise Value$212.67M
Total Cash (Recent Filing)$163.12M
Total Debt (Recent Filing)$131.27M
Price to Earnings (P/E)10.2
Beta-0.09
Next Earnings
Apr 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.51%
Share Statistics
EPS (TTM)0.35
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 Cap2.43
Enterprise Value/Revenue4.48
Enterprise Value/Gross Profit6.65
Enterprise Value/Ebitda22.97
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.55
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improved LeverageA materially improved leverage profile in 2025 strengthens the bank’s loss-absorbing capacity and funding resilience. A more conservative debt/equity mix supports sustained lending, regulatory flexibility and lower refinancing stress during economic cycles, enhancing long-term stability.
Steady Revenue GrowthConsistent low-to-mid single-digit revenue growth indicates stable franchise momentum in core retail and commercial markets. Predictable top-line expansion supports recurring net interest income, helps absorb cost increases, and underpins medium-term profitability and strategic investments.
Strong Capital & LiquidityManagement’s decision to pay a special dividend citing ample liquidity and strong capital reflects durable capital generation and conservative balance-sheet management. This indicates capacity to return excess capital while maintaining buffers to support lending and absorb shocks over the medium term.
Bears Say
Negative Free Cash FlowConversion of earnings into free cash has weakened, with FCF turning negative in 2024–2025. Persistent negative FCF limits internal funding for loan growth, technology and branch investment, and reduces the cushion for provisioning or dividends without relying more on external funding.
CRE Concentration RiskA rising portfolio concentration in commercial real estate increases earnings and capital volatility through real estate cycles. Higher CRE exposure heightens downside risk to asset quality and provisioning needs, stressing capital ratios and lending capacity in prolonged regional real estate slowdowns.
Eroding MarginsA meaningful downward trend in net margins since 2022–2023 reduces earnings resilience. If margins are pressured by higher funding costs, mix shifts, or rising expenses, sustained compression would limit retained earnings growth and constrain capital accumulation over the medium term.
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 $87.56M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Apr 30, 2026 which is in 28 days.
How were United Bancorp’s earnings last quarter?
United Bancorp released its earnings results on Feb 03, 2026. The company reported $0.35 earnings per share for the quarter, beating the consensus estimate of N/A by $0.35.
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 $0.35 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.36%.
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
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
12.01%
Trailing 12-Months
Asset Growth
4.75%
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
6.93% Other Institutional Investors
80.48% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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