United Bancorp (UBCP)
NASDAQ:UBCP
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Total Valuation
United Bancorp has a market cap or net worth of $84.23M. The enterprise value is $193.52M.
Market Cap$84.23M
Enterprise Value$193.52M
Share Statistics
United Bancorp has 5,781,030 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding5,781,030
Owned by Insiders―
Owned by Institutions6.03%
Financial Efficiency
United Bancorp’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 3.59%.
Return on Equity (ROE)0.11
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.59%
Return on Capital Employed (ROCE)0.04
Revenue Per Employee413.02K
Profits Per Employee67.41K
Employee Count115
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Bancorp is 10.9. United Bancorp’s PEG ratio is 0.92.
PE Ratio10.9
PS Ratio1.66
PB Ratio1.12
Price to Fair Value1.12
Price to FCF-43.23
Price to Operating Cash Flow8.35
PEG Ratio0.92
Income Statement
In the last 12 months, United Bancorp had revenue of 47.50M and earned 7.75M in profits. Earnings per share was 1.41.
Revenue47.50M
Gross Profit31.99M
Operating Income8.27M
Pretax Income8.27M
Net Income7.75M
EBITDA9.26M
Earnings Per Share (EPS)1.41
Cash Flow
In the last 12 months, operating cash flow was 9.60M and capital expenditures -4.66M, giving a free cash flow of 4.94M billion.
Operating Cash Flow9.60M
Free Cash Flow4.94M
Free Cash Flow per Share0.85
Dividends & Yields
United Bancorp pays an annual dividend of $0.19, resulting in a dividend yield of 6.51%
Dividend Per Share$0.19
Dividend Yield6.51%
Payout Ratio70.77%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta-0.17
52-Week Price Change14.08%
50-Day Moving Average15.73
200-Day Moving Average14.04
Relative Strength Index (RSI)38.02
Average Volume (3m)4.31K
Important Dates
United Bancorp upcoming earnings date is Aug 5, 2026, Before Open (Confirmed).
Last Earnings DateApr 30, 2026
Next Earnings DateAug 5, 2026
Ex-Dividend Date―
Financial Position
United Bancorp as a current ratio of 0.25, with Debt / Equity ratio of 174.04%
Current Ratio0.25
Quick Ratio0.25
Debt to Market Cap1.63
Net Debt to EBITDA9.15
Interest Coverage Ratio0.55
Taxes
In the past 12 months, United Bancorp has paid 516.65K in taxes.
Income Tax516.65K
Effective Tax Rate0.06
Enterprise Valuation
United Bancorp EV to EBITDA ratio is 17.66, with an EV/FCF ratio of -89.72.
EV to Sales3.44
EV to EBITDA17.66
EV to Free Cash Flow-89.72
EV to Operating Cash Flow16.43
Balance Sheet
United Bancorp has $244.50M in cash and marketable securities with $117.48M in debt, giving a net cash position of $127.03M billion.
Cash & Marketable Securities$244.50M
Total Debt$117.48M
Net Cash$127.03M
Net Cash Per Share$21.97
Tangible Book Value Per Share$12.72
Margins
Gross margin is 67.49%, with operating margin of 17.41%, and net profit margin of 16.32%.
Gross Margin67.49%
Operating Margin17.41%
Pretax Margin17.41%
Net Profit Margin16.32%
EBITDA Margin19.50%
EBIT Margin17.41%
Analyst Forecast
The average price target for United Bancorp is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast7.19%
EPS Growth Forecast9.14%