United Bancorp (UBCP) AI Stock Analysis

• Market Cap: $84.01M
• Dividend Yield: 5.1%
• Average Volume (3M): 6.76K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.14
• Revenue Growth: 5.81%
• EPS Growth: -22.37%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 5,794,011
• 10 Day Avg. Volume: 11,283
• 30 Day Avg. Volume: 6,761
• PEG Ratio: -4.59
• Price to Book (P/B): 1.30
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -39.97
• Enterprise Value/Market Cap: 2.21
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 6.30
• Enterprise Value/Ebitda: 5.17
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $16.00 ▲(19.40%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. 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 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 faces operational inefficiencies and profitability challenges, as evidenced by a negative EBIT and decreased net profit margin. The balance sheet shows increased leverage, posing financial risk, while negative free cash flow indicates liquidity concerns. These issues highlight the need for improvement in financial health.

Income Statement

United Bancorp showed fluctuations in revenue with a decline in 2024 compared to 2023, indicating potential instability in income generation. The negative EBIT in 2024 suggests operational inefficiencies, and the net profit margin decreased significantly. This could point to challenges in maintaining profitability.

Balance Sheet

The debt-to-equity ratio increased substantially in 2024, indicating higher leverage, which could pose risks if not managed. However, the equity ratio remains relatively stable, and stockholders' equity, although reduced, still forms a significant part of total assets, suggesting some level of financial stability.

Cash Flow

Free cash flow turned negative in 2024, reflecting potential issues in cash generation. Operating cash flow also decreased, which could impact liquidity. The operating cash flow to net income ratio suggests a weakening ability to convert income into cash, posing concerns for cash management.

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: Positive
• Last Price: 13.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 13.4 is below the 20-day moving average (MA) of 13.64, above the 50-day MA of 13.11, and above the 200-day MA of 12.67, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 62.34 is Neutral, neither overbought nor oversold. The STOCH value of 30.72 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	73 Outperform	$62.56M	9.48	10.25%	2.90%	12.23%	-25.92%
UBCP	73 Outperform	$84.01M	11.75	11.29%	5.10%	5.81%	-22.37%
LSBK	73 Outperform	$89.62M	18.18	5.61%	4.56%	1.62%	21.82%
FUSB	71 Outperform	$74.54M	10.10	8.10%	2.15%	5.04%	-6.92%
IROQ	70 Outperform	$83.79M	24.47	4.35%	1.60%	11.65%	67.39%
AUBN	70 Neutral	$88.32M	13.47	8.32%	4.27%	22.78%	722.30%
Sector *	67 Neutral	$16.67B	11.44	9.71%	3.91%	11.61%	-9.60%