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UBCP Stock Chart & Stats
$14.49
-$0.24(-1.81%)
At close: 4:00 PM EST
$14.49
-$0.24(-1.81%)
Day’s Range― - ―
52-Week Range$12.47 - $17.34
Previous CloseN/A
Volume1.30K
Average Volume (3M)4.31K
Market Cap
$89.78M
Enterprise Value$192.91
Total Cash (Recent Filing)$145.16M
Total Debt (Recent Filing)$117.48M
Price to Earnings (P/E)11.3
Beta-0.16
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.09%
Share Statistics
EPS (TTM)1.37
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
Bulls Say, Bears Say
Bulls Say
Revenue Re-accelerationTTM revenue growth has re-accelerated after prior softness, indicating regained top-line momentum and customer demand. This supports sustainable lending and deposit franchise expansion over several quarters, helping revenue diversification and stability beyond short-term cycles.
Improved Free Cash FlowFree cash flow turning positive (~$4.9M TTM) with improved operating cash flow signals better cash generation and internal funding capacity. Stronger cash conversion, even if moderate, enhances ability to fund lending, cover dividends, and absorb loan losses without immediate capital raises.
Consistent Dividends And Capital ReturnsOngoing regular dividends (and prior special payout noted in corporate commentary) reflect management discipline on capital allocation and confidence in earnings/capital cushions. Predictable payouts support investor income expectations and indicate stable internal capital management.
Bears Say
Elevated Leverage ProfileDebt-to-equity rising to ~1.74 from ~0.55–0.70 increases balance-sheet sensitivity to funding and credit shocks. Higher leverage reduces capital flexibility, raises refinancing and regulatory risk, and magnifies earnings volatility if loan losses or funding costs increase.
Higher Commercial Real Estate ConcentrationGrowing CRE concentration raises cyclical credit exposure given CRE's sensitivity to economic and rate cycles. For a regional bank, heavier CRE mix can amplify downturn losses, pressure loan-loss provisions, and limit growth if regulatory scrutiny or underwriting standards tighten.
Margin Compression Vs. 2021–2023Net margin compression from prior >20% levels to ~16% suggests reduced pricing power or higher funding/operating costs. Sustained lower margins constrain reinvestment, dividend sustainability, and return on equity unless offset by consistent revenue growth or efficiency gains.
United Bancorp News
UBCP FAQ
What was United Bancorp’s price range in the past 12 months?
United Bancorp lowest stock price was $12.47 and its highest was $17.34 in the past 12 months.
What is United Bancorp’s market cap?
United Bancorp’s market cap is $89.78M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Aug 05, 2026 which is in 14 days.
How were United Bancorp’s earnings last quarter?
United Bancorp released its earnings results on Apr 30, 2026. The company reported $0.33 earnings per share for the quarter, the consensus estimate of $0.33 by $0.
Is United Bancorp overvalued?
According to Wall Street analysts United Bancorp’s price is currently Overvalued.
Does United Bancorp pay dividends?
United Bancorp pays a Quarterly dividend of $0.195 which represents an annual dividend yield of 6.09%. See more information on United Bancorp dividends here
What is United Bancorp’s EPS estimate?
United Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does United Bancorp have?
United Bancorp has 5,781,030 shares outstanding.
What happened to United Bancorp’s price movement after its last earnings report?
United Bancorp reported an EPS of $0.33 in its last earnings report, expectations of $0.33. Following the earnings report the stock price went up 2.63%.
Which hedge fund is a major shareholder of United Bancorp?
Currently, no hedge funds are holding shares in UBCP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Bancorp Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.28%
12-Months-Change
Fundamentals
Return on Equity
6.09%
Trailing 12-Months
Asset Growth
3.35%
Trailing 12-Months
Company Description
United Bancorp
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 checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.
Technical Analysis
Bank Of The Jame Financial
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Broadway Financial
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Summit State Bank
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
10.02% Insiders
3.17% Mutual Funds
1.54% Other Institutional Investors
82.83% Public Companies and
Individual Investors