United Bancorp (UBCP) AI Stock Analysis

• Market Cap: $80.14M
• Dividend Yield: 6.55%
• Average Volume (3M): 4.34K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.13
• Revenue Growth: 5.73%
• EPS Growth: -13.97%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 5,774,011
• 10 Day Avg. Volume: 5,997
• 30 Day Avg. Volume: 4,337
• 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: 2.61
• Enterprise Value/Revenue: 4.61
• Enterprise Value/Gross Profit: 6.99
• Enterprise Value/Ebitda: 24.79
• 1Y Price Target: $15.00
• Price Target Upside: 8.07% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 63 Neutral
• Price Target: $15.00 ▲(8.07% Upside)

United Bancorp's overall score is driven by its solid valuation and dividend yield, which offer attractive investment opportunities. However, financial performance concerns, particularly around leverage and cash flow, and lack of strong technical momentum, moderate the overall score.

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 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	45.36M	43.98M	40.90M	31.74M	30.41M	34.54M
Gross Profit	29.91M	28.96M	30.34M	29.43M	29.07M	26.47M
EBITDA	8.44M	8.52M	10.64M	10.70M	11.97M	9.89M
Net Income	7.46M	7.40M	8.95M	8.66M	9.45M	7.95M
Balance Sheet
Total Assets	847.88M	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	137.39M	132.21M	128.33M	41.83M	39.37M	36.31M
Total Liabilities	788.23M	753.20M	755.86M	697.66M	652.75M	625.07M
Stockholders Equity	59.66M	63.46M	63.59M	59.74M	71.70M	68.33M
Cash Flow
Free Cash Flow	916.00K	-1.25M	8.38M	7.97M	7.42M	6.85M
Operating Cash Flow	10.63M	8.45M	9.46M	8.48M	8.19M	9.37M
Investing Cash Flow	-17.80M	-19.46M	-48.47M	-103.26M	-1.21M	33.67M
Financing Cash Flow	19.29M	-10.14M	49.70M	41.86M	24.42M	-6.43M

United Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.88
• 50DMA: Negative
• 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 Positive. The current price of 13.88 is below the 20-day moving average (MA) of 14.11, below the 50-day MA of 14.04, and above the 200-day MA of 13.12, indicating a neutral trend. The MACD of -0.12 indicates Positive momentum. The RSI at 48.26 is Neutral, neither overbought nor oversold. The STOCH value of 63.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBCP.

United Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	80 Outperform	$71.51M	10.00	5.03%	2.54%	9.06%	-16.04%
LSBK	73 Outperform	$100.66M	17.39	5.49%	2.72%	1.31%	33.35%
AUBN	70 Neutral	$96.06M	14.43	―	3.93%	27.65%	996.66%
IROQ	69 Neutral	$86.97M	19.00	―	1.54%	6.61%	139.05%
FUSB	67 Neutral	$71.36M	12.79	5.75%	2.26%	2.84%	-31.20%
UBCP	63 Neutral	$80.14M	10.92	11.79%	6.55%	5.73%	-13.97%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

United Bancorp Corporate Events

United Bancorp Declares Third Quarter 2025 Dividend

On August 21, 2025, United Bancorp, Inc. announced that its Board of Directors declared a dividend for the third quarter of 2025. This dividend will be payable on September 19, 2025, to shareholders recorded by September 10, 2025.

The most recent analyst rating on (UBCP) stock is a Buy with a $16.00 price target. To see the full list of analyst forecasts on United Bancorp stock, see the UBCP Stock Forecast page.