United Bancorp (UBCP)
NASDAQ:UBCP
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United Bancorp
(NASDAQ:UBCP)
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Rating:67Neutral
Price Target:
$17.50
▲(20.77% Upside)
Action:ReiteratedDate:04/24/26
The score is mainly held back by weaker cash generation quality (negative free cash flow in 2024–2025) despite steady revenue and a de-risked 2025 balance sheet. Offsetting positives include an improving technical trend and attractive valuation (low P/E, high yield), with supportive dividend-focused corporate actions.
Positive Factors
Improved balance-sheet leverage
A 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.
Negative Factors
Negative free cash flow trend
FCF 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved balance-sheet leverage
A 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.
Read all positive factors
United Bancorp (UBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$92.22M
Dividend Yield6.51%
Average Volume (3M)4.31K
Price to Earnings (P/E)10.2
Beta (1Y)-0.16
Revenue Growth8.02%
EPS Growth6.03%
CountryUS
Employees115
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
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 Cap2.33
Enterprise Value/Revenue4.52
Enterprise Value/Gross Profit6.75
Enterprise Value/Ebitda23.82
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
United Bancorp Business Overview & Revenue Model
Company Description
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 e...
How the Company Makes Money
United Bancorp makes money primarily through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income, while incurring operating expenses and provisioning for credit losses.
1) Net interest income (core earn...
United Bancorp Key Performance Indicators (KPIs)
United Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
46
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 47.50M | 43.98M | 40.90M | 31.74M | 30.41M |
| Gross Profit | 31.99M | 28.96M | 30.34M | 29.43M | 29.07M |
| EBITDA | 9.26M | 8.52M | 10.64M | 10.70M | 11.97M |
| Net Income | 7.75M | 7.40M | 8.95M | 8.66M | 9.45M |
Balance Sheet | |||||
| Total Assets | 857.44M | 816.66M | 819.45M | 757.40M | 724.46M |
| Cash, Cash Equivalents and Short-Term Investments | 163.12M | 138.84M | 210.73M | 247.70M | 229.31M |
| Total Debt | 131.27M | 132.21M | 128.33M | 41.83M | 39.37M |
| Total Liabilities | 786.93M | 753.20M | 755.86M | 697.66M | 652.75M |
| Stockholders Equity | 70.52M | 63.46M | 63.59M | 59.74M | 71.70M |
Cash Flow | |||||
| Free Cash Flow | -1.82M | -1.25M | 8.38M | 7.97M | 7.42M |
| Operating Cash Flow | 9.96M | 8.45M | 9.46M | 8.48M | 8.19M |
| Investing Cash Flow | -4.01M | -19.46M | -48.47M | -103.26M | -1.21M |
| Financing Cash Flow | 20.98M | -10.14M | 49.70M | 41.86M | 24.42M |
United Bancorp Technical Analysis
Neutral
14.49
Price Trends
15.14
Positive
14.34
Positive
13.78
Positive
Market Momentum
0.21
Positive
51.04
Neutral
52.51
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 14.49 is below the 20-day moving average (MA) of 16.00, below the 50-day MA of 15.14, and above the 200-day MA of 13.78, indicating a neutral trend. The MACD of 0.21 indicates Positive momentum. The RSI at 51.04 is Neutral, neither overbought nor oversold. The STOCH value of 52.51 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $104.18M | 8.43 | 12.15% | 2.18% | 4.56% | 13.57% | |
69 Neutral | $91.53M | 11.25 | 5.92% | 2.08% | 4.06% | -20.69% | |
68 Neutral | $90.33M | 13.45 | 5.95% | ― | -5.51% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $92.22M | 10.17 | 12.05% | 6.51% | 8.02% | 6.03% | |
46 Neutral | $95.09M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― | |
44 Neutral | $75.50M | 10.02 | -8.97% | ― | 2.97% | -1062.99% |
* Financial Sector Average
UBCP
United Bancorp
16.02
4.29
36.57%
BOTJ
Bank Of The Jame Financial
22.93
9.45
70.10%
BYFC
Broadway Financial
8.12
1.62
24.85%
SSBI
Summit State Bank
13.53
4.16
44.40%
FUSB
First US Bancshares
16.20
3.72
29.79%
FNWB
First Northwest Bancorp
10.01
-0.04
-0.38%
United Bancorp Corporate Events
Business Operations and StrategyDividends
United Bancorp Declares Regular Second-Quarter 2026 Dividend
Positive
Apr 23, 2026
United Bancorp, Inc. announced that its Board of Directors declared the company’s regular second-quarter 2026 dividend on April 22, 2026, continuing its pattern of ongoing shareholder payouts. The dividend will be paid on June 19, 2026 to sh...
Dividends
United Bancorp Declares Regular and Special Shareholder Dividends
Positive
Feb 20, 2026
On February 18, 2026, United Bancorp, Inc.’s Board of Directors declared its regular dividend for the first quarter of 2026 along with a one-time special dividend, both payable on March 20, 2026 to shareholders of record on March 10, 2026. T...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.