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United Bancorp (UBCP) AI Stock Analysis
United Bancorp
(NASDAQ:UBCP)
The score is driven primarily by solid financial performance (strong TTM revenue growth and improved free cash flow) tempered by higher/less stable leverage and increased CRE concentration risk. Technical indicators are weak and weigh on the score, while a low P/E and high dividend yield provide a meaningful valuation offset.
United Bancorp Key Performance Indicators (KPIs)
Loan Portfolio BreakdownDistribution 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.
United Bancorp has been tilting toward commercial real estate — that book has steadily grown to become the dominant exposure, which can boost yields but concentrates cyclical risk in CRE markets; by contrast commercial and residential loans remain stable, providing diversification. A brief 2024 surge in installment lending has since rolled back, implying a temporary consumer lending push rather than a sustained strategy shift.
The FlyUnited Bancorp (UBCP) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $81.44M
- Dividend Yield
- 6.69%
- Average Volume (3M)
- 6,581
- Price to Earnings (P/E)
- 10.0
- Beta (1Y)
- -0.10
- Revenue Growth
- 6.48%
- EPS Growth
- 0.00%
- Country
- US
- Employees
- 125
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 checking...
How the Company Makes Money
United Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest, core earnings engine for most community banks: the bank collects interes...
United Bancorp Financial Statement Overview
Summary
Profitability is solid (TTM net margin ~16.5%) and revenue growth is very strong (~73% TTM), supported by a rebound to positive free cash flow (~$6.5M) with strong FCF-to-net-income (~96%). Offsetting these positives, margins are compressed versus 2021–2022, leverage is elevated (debt ~$108.3M vs equity ~$72.1M) with volatility/anomalies in reported leverage ratios, and cash-flow consistency has been uneven. KPI insight adds risk: the loan book has shifted materially toward commercial real estate, increasing concentration sensitivity to property/rate cycles.
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
55Neutral| 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 | 9.62M | 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 | 249.41M | 161.33M | 138.84M | 210.73M | 247.70M | 229.31M |
| Total Debt | 111.28M | 131.27M | 132.21M | 128.33M | 41.83M | 39.37M |
| Total Liabilities | 805.88M | 786.93M | 753.20M | 755.86M | 697.66M | 652.75M |
| Stockholders Equity | 72.09M | 70.52M | 63.46M | 63.59M | 59.74M | 71.70M |
Cash Flow | ||||||
| Free Cash Flow | 6.46M | -1.82M | -1.25M | 8.38M | 7.97M | 7.42M |
| Operating Cash Flow | 6.75M | 9.96M | 8.45M | 9.46M | 8.48M | 8.19M |
| Investing Cash Flow | -21.77M | -4.01M | -19.46M | -48.47M | -103.26M | -1.21M |
| Financing Cash Flow | 11.31M | 20.98M | -10.14M | 49.70M | 41.86M | 24.42M |
United Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBCP, the sentiment is Negative. The current price of 14.20 is above the 20-day moving average (MA) of 14.00, below the 50-day MA of 14.71, and below the 200-day MA of 14.99, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 48.85 is Neutral, neither overbought nor oversold. The STOCH value of 58.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UBCP.
United Bancorp Peers Comparison
Overall Rating
BOTJ69Neutral
FUSB65Neutral- UBCP63Neutral
SSBI55Neutral
BYFC51Neutral
FNWB42Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BOTJ | 69Neutral | $111.04M | 9.22 | 14.94% | 1.64% | 7.06% | 52.33% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FUSB | 65Neutral | $83.85M | 11.92 | 7.58% | 1.70% | 3.74% | 43.52% |
| UBCP | 63Neutral | $81.44M | 10.00 | 11.53% | 6.69% | 6.48% | 0.00% |
| SSBI | 55Neutral | $77.13M | 189.83 | 0.33% | ― | -7.24% | ― |
| BYFC | 51Neutral | $107.63M | -4.28 | -7.74% | ― | 10.60% | -935.88% |
| FNWB | 42Neutral | $94.42M | -1067.74 | -0.03% | ― | -6.23% | 99.32% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| UBCP | United Bancorp | 14.20 | 2.16 | 17.95% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.44 | 7.78 | 46.68% | |
| BYFC | Broadway Financial | 11.60 | 5.23 | 82.10% | |
| SSBI | Summit State Bank | 11.39 | 0.68 | 6.35% | |
| FUSB | First Us Bancshares | 16.45 | 3.24 | 24.55% | |
| FNWB | First Northwest Bancorp | 9.93 | 0.80 | 8.76% |
United Bancorp Corporate Events
United Bancorp Declares Third-Quarter 2026 Dividend
PositiveOn August 20, 2026, United Bancorp, Inc. reported that its Board of Directors had declared the company’s third-quarter 2026 dividend on August 19, 2026, reinforcing its ongoing policy of regular shareholder distributions. The dividend will be p...
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.
Date of analysis: Aug 20, 2026