United Bancorp (UBCP) AI Stock Analysis

• Market Cap: $82.01M
• Dividend Yield: 6.37%
• Average Volume (3M): 6.34K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.14
• Revenue Growth: 5.81%
• EPS Growth: -22.37%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 5,794,011
• 10 Day Avg. Volume: 2,365
• 30 Day Avg. Volume: 6,343
• PEG Ratio: -4.59
• Price to Book (P/B): 1.30
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -40.03
• Enterprise Value/Market Cap: 2.26
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 6.31
• Enterprise Value/Ebitda: 5.17
• 1Y Price Target: $15.50
• Price Target Upside: 9.70% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $16.00 ▲(13.23%Upside)

United Bancorp's strong technical momentum and attractive valuation are significant positives. While financial performance is solid, some concerns about leverage and cash flow liquidity exist, suggesting areas for improvement.

United Bancorp Business Overview & Revenue Model

Company Description

United Bancorp, Inc. (UBCP) is a financial holding company headquartered in Martins Ferry, Ohio. The company operates primarily through its subsidiary, The Citizens Savings Bank, which provides a comprehensive range of banking services to individuals and businesses. United Bancorp focuses on delivering community banking services, including personal and business banking products, such as checking and savings accounts, loans, and other financial services tailored to meet the needs of its local customer base.

How the Company Makes Money

United Bancorp generates revenue primarily through interest income from its loan portfolio, which includes personal, commercial, and real estate loans. Additionally, the company earns non-interest income from service charges on deposit accounts, fees from other financial services, and investment securities. Key factors contributing to the company's earnings include its ability to attract and retain deposits, effectively manage interest rate risk, and maintain strong customer relationships. United Bancorp's profitability is also influenced by economic conditions in the regions it serves and its efficiency in managing operational costs.

United Bancorp Financial Statement Overview

Summary

United Bancorp shows a solid income statement with strong profitability margins and revenue growth. However, the balance sheet reflects moderate leverage and low equity ratios, while cash flow performance indicates potential liquidity challenges.

Income Statement

United Bancorp shows a solid income statement with stable revenue growth and strong profitability margins. The TTM gross profit margin is at 65.9%, and net profit margin stands at 16.3%, reflecting effective cost management. However, there is a slight decline in EBIT and EBITDA margins in the recent TTM period, indicating some pressure on operational efficiency.

Balance Sheet

The balance sheet reflects moderate leverage, with a debt-to-equity ratio of approximately 2.29 in the TTM period. The equity ratio is relatively low at 7.3%, indicating potential risk in terms of financial stability. Return on equity is solid at 11.98%, showcasing the company's ability to generate returns from its equity base.

Cash Flow

Cash flow performance is mixed, with negative free cash flow growth and a declining operating cash flow to net income ratio at 0.81 in the TTM period. The free cash flow to net income ratio is negative, highlighting challenges in converting income into free cash flow, which could impact future liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.62M	43.98M	40.90M	31.74M	30.41M	34.54M
Gross Profit	29.41M	28.96M	30.34M	29.43M	29.07M	26.47M
EBITDA	8.25M	8.52M	10.64M	10.70M	11.97M	9.89M
Net Income	7.28M	7.40M	8.95M	8.66M	9.45M	7.95M
Balance Sheet
Total Assets	830.68M	816.66M	819.45M	757.40M	724.46M	693.40M
Cash, Cash Equivalents and Short-Term Investments	266.25M	138.84M	210.73M	247.70M	229.31M	209.66M
Total Debt	139.32M	132.21M	128.33M	41.83M	39.37M	36.31M
Total Liabilities	769.88M	753.20M	755.86M	697.66M	652.75M	625.07M
Stockholders Equity	60.80M	63.46M	63.59M	59.74M	71.70M	68.33M
Cash Flow
Free Cash Flow	-2.06M	-1.25M	8.38M	7.97M	7.42M	6.85M
Operating Cash Flow	5.90M	8.45M	9.46M	8.48M	8.19M	9.37M
Investing Cash Flow	-8.98M	-19.46M	-48.47M	-103.26M	-1.21M	33.67M
Financing Cash Flow	-7.39M	-10.14M	49.70M	41.86M	24.42M	-6.43M

United Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.13
• 50DMA: Positive
• 100DMA: Positive
• 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 Neutral. The current price of 14.13 is below the 20-day moving average (MA) of 14.21, above the 50-day MA of 13.66, and above the 200-day MA of 12.86, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 45.42 is Neutral, neither overbought nor oversold. The STOCH value of 21.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UBCP.

United Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	75 Outperform	$73.45M	9.95	8.10%	2.06%	5.04%	-6.92%
LSBK	73 Outperform	$66.10M	18.17	5.61%	4.45%	1.62%	21.82%
UBCP	73 Outperform	$82.01M	11.47	11.29%	6.37%	5.81%	-22.37%
BOTJ	73 Outperform	$63.15M	9.57	10.25%	3.60%	12.23%	-25.92%
AUBN	70 Neutral	$99.47M	15.17	8.25%	4.81%	22.78%	722.30%
Sector *	68 Neutral	$16.93B	11.67	9.79%	3.89%	11.83%	-7.56%
IROQ	67 Neutral	$83.29M	24.32	4.35%	1.62%	11.65%	67.39%