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United Bancorp
(NASDAQ:UBCP)
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Rating:68Neutral
Price Target:
$17.00
▲(7.19% Upside)
Action:Downgraded
Date:05/19/26
The overall score reflects a fundamentally sound regional bank with appealing valuation but some emerging risk factors. The main positives are solid earnings growth, respectable returns on equity, and a low P/E combined with a high, well-supported dividend yield, reinforced by regular and special dividend declarations. Offsetting these strengths are compressed profit margins, higher leverage, and more volatile free cash flow, along with only mildly negative technical signals that point to a soft near-term trend rather than clear upside momentum.
Positive Factors
Revenue Re-acceleration
Re-accelerating revenue indicates renewed demand across lending and fee businesses, supporting durable top-line expansion over the next several quarters. Sustained revenue growth eases pressure on margins by enabling fixed-cost absorption and funds incremental loan origination and digital/branch investments.
Negative Factors
Elevated Leverage
Material rise in leverage reduces balance-sheet flexibility and increases sensitivity to funding and credit-market stress. Elevated debt-to-equity constrains capital management, raises refinancing risk, and leaves less buffer for loan losses or growth funding, increasing structural vulnerability over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Re-acceleration
Re-accelerating revenue indicates renewed demand across lending and fee businesses, supporting durable top-line expansion over the next several quarters. Sustained revenue growth eases pressure on margins by enabling fixed-cost absorption and funds incremental loan origination and digital/branch investments.
Read all positive factors
United Bancorp Key Performance Indicators (KPIs)
Any
Loan Portfolio Breakdown
Distribution of the bank's loans across commercial, commercial real estate, residential, and consumer segments reveals where interest income is generated and where credit risk is concentrated. Heavy exposure to a single sector or a few large borrowers raises vulnerability to local economic shocks and can drive higher loan‑loss provisions, while a diversified mix supports steadier earnings and room to grow. Pay attention to average credit quality and loan maturities, which influence sensitivity to interest‑rate moves and the bank’s potential losses if conditions worsen.
Distribution of the bank's loans across commercial, commercial real estate, residential, and consumer segments reveals where interest income is generated and where credit risk is concentrated. Heavy exposure to a single sector or a few large borrowers raises vulnerability to local economic shocks and can drive higher loan‑loss provisions, while a diversified mix supports steadier earnings and room to grow. Pay attention to average credit quality and loan maturities, which influence sensitivity to interest‑rate moves and the bank’s potential losses if conditions worsen.
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The Fly
The FlyUnited Bancorp (UBCP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$88.16M
Dividend Yield6.16%
Average Volume (3M)4.31K
Price to Earnings (P/E)10.7
Beta (1Y)-0.17
Revenue Growth6.21%
EPS Growth9.84%
CountryUS
Employees125
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.42
Shares Outstanding5,781,030
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including check...
How the Company Makes Money
United Bancorp makes money primarily through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated by collecting interest and fees on earning assets—primarily loans (e.g., commercial...
United Bancorp Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 48.17M | 47.50M | 43.98M | 40.90M | 31.74M | 30.41M |
| Gross Profit | 33.00M | 31.99M | 28.96M | 30.34M | 29.43M | 29.07M |
| EBITDA | 8.80M | 9.26M | 8.52M | 10.64M | 10.70M | 11.97M |
| Net Income | 7.97M | 7.75M | 7.40M | 8.95M | 8.66M | 9.45M |
Balance Sheet | ||||||
| Total Assets | 877.97M | 857.45M | 816.66M | 819.45M | 757.40M | 724.46M |
| Cash, Cash Equivalents and Short-Term Investments | 45.98M | 161.33M | 138.84M | 210.73M | 247.70M | 229.31M |
| Total Debt | 108.33M | 131.27M | 132.21M | 128.33M | 41.83M | 39.37M |
| Total Liabilities | -67.50M | 786.93M | 753.20M | 755.86M | 697.66M | 652.75M |
| Stockholders Equity | 67.50M | 70.52M | 63.46M | 63.59M | 59.74M | 71.70M |
Cash Flow | ||||||
| Free Cash Flow | 3.48M | -1.82M | -1.25M | 8.38M | 7.97M | 7.42M |
| Operating Cash Flow | 5.82M | 9.96M | 8.45M | 9.46M | 8.48M | 8.19M |
| Investing Cash Flow | -27.00M | -4.01M | -19.46M | -48.47M | -103.26M | -1.21M |
| Financing Cash Flow | -1.26M | 20.98M | -10.14M | 49.70M | 41.86M | 24.42M |
United Bancorp Technical Analysis
Positive
15.86
Price Trends
15.71
Positive
15.62
Positive
14.50
Positive
Market Momentum
>-0.01
Negative
51.68
Neutral
78.00
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 15.86 is above the 20-day moving average (MA) of 15.52, above the 50-day MA of 15.71, and above the 200-day MA of 14.50, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 51.68 is Neutral, neither overbought nor oversold. The STOCH value of 78.00 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $122.85M | 22.35 | 14.13% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $88.16M | 10.74 | 11.72% | 5.92% | 6.21% | 9.84% | |
68 Neutral | $82.72M | 36.44 | 2.22% | ― | -6.91% | ― | |
68 Neutral | $91.86M | 23.57 | 7.41% | 1.70% | 3.91% | 33.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | $93.80M | -3.73 | -7.74% | ― | 10.60% | -935.65% | |
46 Neutral | $108.86M | 71.31 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
UBCP
United Bancorp
16.15
2.90
21.87%
BOTJ
Bank Of The Jame Financial
27.25
13.61
99.84%
BYFC
Broadway Financial
11.13
3.13
39.13%
SSBI
Summit State Bank
13.42
1.37
11.37%
FUSB
First US Bancshares
16.50
3.90
30.99%
FNWB
First Northwest Bancorp
10.95
3.20
41.29%
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.