United Bancorp (UBCP) AI Stock Analysis

• Market Cap: $78.41M
• Dividend Yield: 6.51%
• Average Volume (3M): 4.31K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.07
• Revenue Growth: 6.31%
• EPS Growth: -5.00%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.34
• Shares Outstanding: 5,774,011
• 10 Day Avg. Volume: 3,318
• 30 Day Avg. Volume: 4,310
• PEG Ratio: -0.51
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 1.64
• P/FCF Ratio: -57.75
• Enterprise Value/Market Cap: 2.67
• Enterprise Value/Revenue: 6.12
• Enterprise Value/Gross Profit: 9.24
• Enterprise Value/Ebitda: 30.38
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $16.00 ▲(10.42% Upside)

The score is driven primarily by steady profitability and improved TTM cash generation, alongside supportive technical momentum (price above key moving averages and positive MACD). Valuation also helps, with a moderate P/E and a high dividend yield. These positives are tempered by a sharp recent revenue decline and evidence of balance-sheet and cash-flow volatility in prior years.

Positive Factors

Revenue Growth

Stable revenue growth indicates consistent demand for services and effective market penetration, supporting long-term business sustainability.

Operational Efficiency

High gross profit margin reflects strong operational efficiency, enabling the company to maintain profitability even in competitive markets.

Dividend Commitment

Consistent dividend payments demonstrate financial stability and a commitment to returning value to shareholders, enhancing investor confidence.

Negative Factors

Increasing Leverage

Higher leverage can increase financial risk, potentially impacting the company's ability to invest in growth and manage economic downturns.

Declining Free Cash Flow

Declining free cash flow limits financial flexibility, potentially constraining the company's ability to fund new projects and return capital to shareholders.

Profit Margin Pressure

Decreasing net profit margin suggests pressure on profitability, which could affect long-term earnings potential if not addressed.

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 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.

How the Company Makes Money

United Bancorp generates revenue primarily through interest income from loans, which constitutes a significant portion of its earnings. The company lends money to individuals and businesses, charging interest on these loans, which is often higher than the interest paid on customer deposits. Additionally, UBCP earns fee income from various services, including account maintenance fees, transaction fees, and service charges. Investment services also contribute to revenue, as the company may earn commissions and management fees from wealth management and investment advisory services. Furthermore, strategic partnerships with other financial institutions and service providers enhance UBCP's ability to offer comprehensive financial solutions, thereby boosting its revenue streams.

United Bancorp Financial Statement Overview

Summary

United Bancorp shows stable revenue growth and operational efficiency, with a strong gross profit margin. However, challenges include increased leverage and declining free cash flow, which could pose financial risks if not addressed.

Income Statement

United Bancorp shows a stable revenue growth trend with a TTM revenue growth rate of 1.66%. The gross profit margin is strong at 65.94%, indicating efficient cost management. However, the net profit margin has slightly decreased to 16.44% in the TTM, suggesting some pressure on profitability. EBIT and EBITDA margins remain healthy, reflecting operational efficiency.

Balance Sheet

The debt-to-equity ratio has increased to 2.30 in the TTM, indicating higher leverage which could pose a risk if not managed carefully. Return on equity is stable at 11.96%, showing consistent profitability. The equity ratio is not provided, but the overall leverage trend suggests a need for cautious financial management.

Cash Flow

The free cash flow growth rate is negative at -144.38% in the TTM, indicating a significant decline in free cash flow. The operating cash flow to net income ratio is strong at 3.65, showing good cash generation relative to net income. However, the free cash flow to net income ratio is low at 0.09, highlighting potential cash flow challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	34.20M	43.98M	40.90M	31.74M	30.41M	34.54M
Gross Profit	22.63M	28.96M	30.34M	29.43M	29.07M	26.47M
EBITDA	6.88M	8.52M	10.64M	10.70M	11.97M	9.89M
Net Income	5.64M	7.40M	8.95M	8.66M	9.45M	7.95M
Balance Sheet
Total Assets	866.76M	816.66M	819.45M	757.40M	724.46M	693.40M
Cash, Cash Equivalents and Short-Term Investments	143.63K	138.84M	210.73M	247.70M	229.31M	209.66M
Total Debt	2.93M	132.21M	128.33M	41.83M	39.37M	36.31M
Total Liabilities	800.29M	753.20M	755.86M	697.66M	652.75M	625.07M
Stockholders Equity	66.47M	63.46M	63.59M	59.74M	71.70M	68.33M
Cash Flow
Free Cash Flow	9.61M	-1.25M	8.38M	7.97M	7.42M	6.85M
Operating Cash Flow	9.10M	8.45M	9.46M	8.48M	8.19M	9.37M
Investing Cash Flow	-34.46M	-19.46M	-48.47M	-103.26M	-1.21M	33.67M
Financing Cash Flow	33.24M	-10.14M	49.70M	41.86M	24.42M	-6.43M

United Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 above the 20-day moving average (MA) of 14.28, above the 50-day MA of 13.54, and above the 200-day MA of 13.34, indicating a neutral trend. The MACD of 0.12 indicates Positive momentum. The RSI at 42.64 is Neutral, neither overbought nor oversold. The STOCH value of 11.53 is Positive, 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
BOTJ	76 Outperform	$84.32M	10.65	10.86%	2.18%	6.17%	-6.13%
FUSB	71 Outperform	$80.51M	15.06	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$78.41M	10.46	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BYFC	54 Neutral	$78.41M	-31.56	0.22%	―	2.54%	-174.74%
FNWB	50 Neutral	$92.54M	-12.09	-4.68%	2.88%	8.02%	21.36%
SSBI	45 Neutral	$81.79M	-59.13	-1.41%	―	-0.81%	-129.22%

United Bancorp Corporate Events

United Bancorp Declares Q4 2025 Dividend

On November 19, 2025, United Bancorp, Inc.’s Board of Directors declared a dividend for the fourth quarter of 2025. This dividend will be paid on December 19, 2025, to shareholders recorded by December 10, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (UBCP) stock is a Hold with a $14.00 price target. To see the full list of analyst forecasts on United Bancorp stock, see the UBCP Stock Forecast page.