United Bancorp (UBCP)
NASDAQ:UBCP
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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
$92.79M
Enterprise Value$198.38M
Total Cash (Recent Filing)$244.50M
Total Debt (Recent Filing)$117.48M
Price to Earnings (P/E)11.2
Beta-0.16
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.51%
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 Cap2.14
Enterprise Value/Revenue4.15
Enterprise Value/Gross Profit6.15
Enterprise Value/Ebitda22.03
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 re-acceleration reflects renewed top-line momentum for the bank, indicating improving loan originations or fee activity. Sustained revenue growth supports net interest income expansion and provides a more durable earnings base to fund operations, capital returns, and provision buffers over the next several quarters.
Improving Cash GenerationFree cash flow turning positive and improved operating cash flow signal the company is converting earnings into distributable cash. This strengthens funding of dividends and reinvestment without relying on new capital, improving financial flexibility and resilience across a 2-6 month horizon and beyond.
Consistent Capital ReturnsRegular dividends (and prior one-time special dividend) indicate management and the board view capital and earnings as sufficient to support payouts. A consistent capital-return policy conveys stable earnings and prudent capital management, which supports shareholder income visibility and long-term investor confidence.
Bears Say
Elevated LeverageMaterially higher leverage increases sensitivity to funding stress and credit losses, reducing balance-sheet flexibility. With debt-to-equity well above prior norms, the bank has less capacity to absorb shocks or expand lending without raising capital, elevating structural risk over the medium term.
Commercial Real Estate ConcentrationA growing CRE concentration raises cyclical credit risk for a regional bank exposed to local market downturns. Higher CRE exposure can amplify loan-loss volatility and capital strain if property values or commercial occupancy weaken, posing a persistent structural vulnerability to earnings stability.
Margin Compression Vs Prior YearsNet margin compression from historical highs reduces the bank's earnings power and buffers against credit shocks. Lower profitability constrains the ability to build reserves organically, fund growth, or maintain payout ratios, creating a structural headwind to restoring prior return levels over coming quarters.
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 $92.79M.
When is United Bancorp’s upcoming earnings report date?
United Bancorp’s upcoming earnings report date is Aug 05, 2026 which is in 62 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 $0.19 which represents an annual dividend yield of 6.51%. 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
Outperform
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
11.80%
Trailing 12-Months
Asset Growth
3.35%
Trailing 12-Months
Company Description
United Bancorp
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.
Technical Analysis
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First Northwest Bancorp
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Ownership Overview
10.02% Insiders
3.17% Mutual Funds
6.03% Other Institutional Investors
78.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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