United Bancorp (UBCP) AI Stock Analysis

• Market Cap: $76.85M
• Dividend Yield: 5.55%
• Average Volume (3M): 8.90K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.34
• Revenue Growth: 7.53%
• EPS Growth: -19.74%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 1.26
• Shares Outstanding: 5,966,278
• 10 Day Avg. Volume: 7,347
• 30 Day Avg. Volume: 8,899
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.02
• Price to Cash Flow (P/CF): 18.00
• P/FCF Ratio: 4.10
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

United Bancorp's stock score is primarily influenced by its financial challenges, including declining profitability and increased leverage, which pose risks. However, positive technical indicators and an attractive valuation provide some balance. Addressing operational and cash flow issues is crucial for improving the company's financial position and stock performance.

United Bancorp Business Overview & Revenue Model

Company Description

United Bancorp, Inc. (UBCP) is a financial holding company headquartered in Martins Ferry, Ohio. It primarily operates through its subsidiary, The Citizens Savings Bank, providing a comprehensive range of banking services to individual and commercial customers. The company serves communities by offering traditional banking products such as deposits, loans, and other financial services. United Bancorp operates multiple banking offices across Ohio, focusing on community-based banking solutions.

How the Company Makes Money

United Bancorp, Inc. generates revenue primarily through interest income derived from its loan portfolio, which includes commercial, residential, and consumer loans. The company also earns money through interest on investment securities. Additionally, non-interest income contributes to its revenue streams, which includes fees from various banking services such as transaction fees, service charges, and other financial services. United Bancorp's profitability is further influenced by its ability to manage interest rate spreads between its deposit rates and loan interest rates, as well as maintaining operational efficiencies across its branches.

United Bancorp Financial Statement Overview

Summary

United Bancorp faces challenges in operational efficiency and profitability, as seen in the declining net profit margin and negative EBIT. The balance sheet shows increased leverage, which adds financial risk. Cash flow issues with negative free cash flow further highlight liquidity concerns. Addressing these areas is crucial for improving financial health.

Income Statement

United Bancorp showed fluctuations in revenue with a decline in 2024 compared to 2023, indicating potential instability in income generation. The negative EBIT in 2024 suggests operational inefficiencies, and the net profit margin decreased significantly. This could point to challenges in maintaining profitability.

Balance Sheet

The debt-to-equity ratio increased substantially in 2024, indicating higher leverage, which could pose risks if not managed. However, the equity ratio remains relatively stable, and stockholders' equity, although reduced, still forms a significant part of total assets, suggesting some level of financial stability.

Cash Flow

Free cash flow turned negative in 2024, reflecting potential issues in cash generation. Operating cash flow also decreased, which could impact liquidity. The operating cash flow to net income ratio suggests a weakening ability to convert income into cash, posing concerns for cash management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
29.26M	29.89M	28.47M	27.82M	29.81M
	Gross Profit
29.26M	40.90M	28.47M	27.82M	29.81M
	EBIT
-23.25M	15.45M	12.81M	10.68M	8.58M
	EBITDA
0.00	10.64M	10.70M	11.97M	9.89M
	Net Income Common Stockholders
7.40M	8.95M	8.66M	9.45M	7.95M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
7.43M	40.77M	4.91M	229.31M	209.66M
	Total Assets
38.44M	819.45M	757.40M	724.46M	693.40M
	Total Debt
101.72M	101.55M	23.73M	23.66M	23.60M
	Net Debt
82.11M	60.78M	-6.35M	-59.33M	-27.99M
	Total Liabilities
753.20M	755.86M	697.66M	652.75M	625.07M
	Stockholders Equity
27.42M	63.59M	59.74M	71.70M	68.33M
Cash Flow		Free Cash Flow
-1.25M	8.38M	7.97M	7.42M	6.85M
	Operating Cash Flow
8.45M	9.46M	8.48M	8.19M	9.37M
	Investing Cash Flow
-19.46M	-48.47M	-103.26M	-1.21M	33.67M
	Financing Cash Flow
-10.14M	49.70M	41.86M	24.42M	-6.43M

United Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 12.67
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBCP, the sentiment is Negative. The current price of 12.67 is below the 20-day moving average (MA) of 13.08, below the 50-day MA of 12.89, and above the 200-day MA of 12.38, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 47.23 is Neutral, neither overbought nor oversold. The STOCH value of 26.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UBCP.

United Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTB	77 Outperform	$564.81M	10.06	10.32%	1.43%	11.01%	8.09%
CIVB	71 Outperform	$286.53M	9.19	8.10%	3.51%	11.16%	-26.17%
BHLB	68 Neutral	$1.09B	16.50	5.60%	3.06%	4.29%	-9.78%
FSBW	66 Neutral	$281.56M	8.31	12.30%	2.98%	9.78%	-3.24%
UBCP	65 Neutral	$76.85M	10.10	11.23%	5.55%	7.53%	-19.74%
FBNC	64 Neutral	$1.50B	19.63	5.38%	2.43%	-1.53%	-27.00%
Sector *	63 Neutral	$12.88B	9.21	9.18%	4.78%	16.30%	-8.66%