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UBCP Stock Chart & Stats
$15.85
$0.36(2.29%)
At close: 4:00 PM EDT
$15.85
$0.36(2.29%)
Day’s Range― - ―
52-Week Range$12.55 - $17.34
Previous Close$15.87
Volume438.00
Average Volume (3M)8.51K
Market Cap
$77.29M
Enterprise Value$189.83M
Total Cash (Recent Filing)$249.41M
Total Debt (Recent Filing)$111.28M
Price to Earnings (P/E)9.7
Beta-0.12
Next Earnings
Nov 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.92%
Share Statistics
EPS (TTM)1.42
Shares Outstanding5,735,518
10 Day Avg. Volume9,148
30 Day Avg. Volume8,514
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 Cap2.46
Enterprise Value/Revenue3.94
Enterprise Value/Gross Profit5.75
Enterprise Value/Ebitda21.56
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 Growth And ProfitabilityStrong TTM revenue growth combined with positive operating and net margins indicates improving business momentum and continued earnings generation. If sustained, this expansion can strengthen the bank’s capacity to reinvest, support customers, and absorb normal credit or funding pressures.
Free Cash Flow RecoveryThe return to positive free cash flow that closely tracks net income improves the quality of current earnings and provides internally generated capital for balance-sheet support. This is a meaningful improvement in cash conversion, although continued consistency remains important.
Healthy Return On EquityA healthy and improving return on equity shows that United Bancorp is generating a meaningful profit from its shareholder capital. This supports the effectiveness of its community banking model and provides a stronger foundation for future growth, capital retention, and shareholder distributions.
Bears Say
Elevated LeverageThe higher debt burden reduces balance-sheet flexibility and leaves less capacity to respond to weaker operating conditions or changing funding costs. Sustained leverage also increases the importance of disciplined capital management and limits the margin for error in a regional banking model.
Commercial Real Estate ConcentrationA materially greater commercial real estate concentration makes earnings and credit outcomes more sensitive to property values, borrower conditions, and interest-rate cycles. This concentration can amplify stress across the loan portfolio if commercial real estate conditions deteriorate.
Compressed Profitability MarginsMargin compression means faster revenue growth is not translating into the same level of profitability achieved during the prior peak period. Unless margins stabilize, the bank may have less operating leverage from growth and reduced capacity to convert additional revenue into durable earnings.
United Bancorp News
UBCP FAQ
What was United Bancorp’s price range in the past 12 months?
United Bancorp lowest stock price was $12.55 and its highest was $17.34 in the past 12 months.
What is United Bancorp’s market cap?
United Bancorp’s market cap is $77.29M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Nov 03, 2026 which is in 12 days.
How were United Bancorp’s earnings last quarter?
United Bancorp released its earnings results on Jul 23, 2026. The company reported $0.36 earnings per share for the quarter.
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 $0.198 which represents an annual dividend yield of 6.92%. 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 5,735,518 shares outstanding.
What happened to United Bancorp’s price movement after its last earnings report?
United Bancorp reported an EPS of $0.36 in its last earnings report. Following the earnings report the stock price went down -2.021%.
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
Underperform
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
10.95%
12-Months-Change
Fundamentals
Return on Equity
11.53%
Trailing 12-Months
Asset Growth
3.55%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
10.10% Insiders
3.19% Mutual Funds
3.07% Other Institutional Investors
80.83% Public Companies and
Individual Investors