United Bancorp, Inc. UBCP

14.82 (0.36) (2.37%) as of 25 Sep
Market cap
$87.1M
P/E
10.7×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.17
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — 8 — — — —
Sell — — — — — — — — — — — —
Insider Ownership 13.03%

Capital & Financial Ratios

Market Cap 87.07
Revenue 48.17
Net Income 7.97
Free Cash Flow (4.05)
Net Debt 32.96
Current Ratio 0.76
Debt/Equity 1.10
P/E ratio 10.74
P/S ratio 1.68
P/B ratio 1.13
Past 5Y EPS Growth 1.45%
This Y EPS Growth 0.75%
Next Y EPS Growth 20.00%
Next 5Y EPS Growth 10.74%
in millions of $

Dividends

Payout Ratio 0.42
Annual Dividend Rate 0.66
Annual Dividend Yield 5.71%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.95
0.19
0.20
0.20
2025 0.92
0.18
0.19
0.19
0.19
2024 0.71
0.17
0.18
0.18
0.18
2023 0.50
0.15
0.17
0.17
0.17
2022 0.63
0.15
0.16
0.16
0.16
2021 0.59
0.14
0.15
0.15
0.15
2020 0.57
0.14
0.14
0.14
0.14
2019 0.55
0.13
0.14
0.14
0.14
2018 0.52
0.13
0.13
0.13
0.13
2017 0.34
0.11
0.11
0.12
0.05
2016 0.42
0.10
0.10
0.11
0.11
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 41 20 47 46
Receivables — — — —
Inventory — — — —
Other — — — —
524 511 538 542
2023 2024 2025 Q'26
Payables 621 613 641 687
ST’ Debt — — — —
Other — — — —
648 644 671 716
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 9.10% 6.58% 14.38%
Cash Flow 9.36% 2.22% 7.23%
Earnings 8.87% (0.46%) (3.70%)
Book Value 5.45% 0.63% 5.68%

Revenue

Mar Jun Sep Dec Year
’26 11 12 — — —
’25 11 12 12 13 48
’24 10 11 11 11 44
’23 9 10 11 11 41
’22 7 7 8 9 32
’21 7 7 9 8 30
’20 8 9 9 8 35
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 0 1 — — —
’25 1 4 3 2 10
’24 4 (1) 4 1 8
’23 1 3 3 3 9
’22 5 (3) 3 3 8
’21 1 2 3 2 8
’20 2 1 4 3 9
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (2) 0 — — —
’25 (1) 1 0 (2) (1)
’24 0 (2) (2) 2 (1)
’23 1 3 3 3 8
’22 5 (3) 3 3 8
’21 1 2 3 2 8
’20 1 0 4 2 7
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.33 0.36 — — —
’25 0.32 0.33 0.34 0.35 1.34
’24 0.35 0.30 0.31 0.31 1.27
’23 0.33 0.40 0.42 0.42 1.57
’22 0.31 0.40 0.40 0.40 1.50
’21 0.33 0.38 0.50 0.41 1.62
’20 0.28 0.29 0.36 0.46 1.39
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
8.72 10.20 10.25 10.25 7.64 12.71 14.35 9.70 11.40 12.25

Analyst estimates 2026–2028

Powerpack
Low Price
15.25 13.72 14.00 15.56 14.89 17.10 20.83 16.00 15.50 15.64
High Price
140 126 132 132 132 124 125 126 126 133
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
20 21 25 31 35 30 32 41 44 48
Revenue
91.22% 91.64% 87.28% 80.20% 86.30% 91.46% 89.69% 73.07% 66.53% 68.37%
Gross Margin
5 6 5 7 9 11 10 9 7 8
EBT
25.40% 26.49% 20.34% 23.96% 24.84% 35.12% 30.04% 23.20% 16.59% 16.14%
EBT Margin
4 4 4 7 8 9 9 9 7 8
Net Income
1 1 1 2 2 2 2 2 2 2
Depreciation
4.14 4.24 5.04 5.60 6.33 5.55 5.79 7.45 7.94 8.65
Revenue/Sh
0.72 0.73 0.82 1.19 1.39 1.62 1.50 1.57 1.27 1.34
Earnings/Sh
0.85 0.92 1.16 1.56 1.72 1.50 1.55 1.72 1.52 1.90
Cash Flow/Sh
(0.46) (0.16) (0.16) (0.24) (0.46) (0.03) (0.07) (0.20) (1.75) (2.13)
Capex/Sh
0.39 0.76 1.00 1.32 1.26 1.47 1.47 1.53 (0.23) (0.23)
Free CF/Sh
8.69 8.81 10.23 10.84 12.52 13.09 10.89 11.58 11.45 12.84
Book Value/Sh
5 5 5 6 5 5 5 5 6 5
Shares
18.80 18.83 13.94 12.02 9.48 10.28 9.78 8.49 10.24 10.71
PE Ratio
3.23 3.09 2.27 2.56 2.08 3.00 2.55 1.79 1.64 1.66
PS Ratio
1.54 1.49 1.12 1.32 1.05 1.27 1.36 1.15 1.13 1.12
PB Ratio
4.82 3.08 1.42 4.12 1.27 1.05 2.35 3.21 3.44 2.76
EV/Sales
51.02 17.20 7.16 17.45 6.40 3.97 9.24 15.64 (121.30) (103.63)
EV/FCF
4 5 6 9 9 8 8 9 8 10
Op' Cash Flow
(2) (1) (1) (1) (2) 0 0 (1) (10) (12)
Capex
2 4 5 7 7 8 8 8 (1) (1)
FCF
19 (15) (99) (98) (99) (85) (176) (124) (133) (133)
Working Cap'
44 14 4 63 24 24 24 99 99 99
Total Debt
32 0 (21) 48 (28) (59) (6) 58 79 52
Net Debt
43 44 51 60 68 72 60 64 63 71
Sh' Equity
0.84% 0.76% 0.77% 1.02% 1.10% 1.25% 1.12% 1.09% 0.86% 0.88%
ROA
4.30% 7.99% 10.72% 4.28% 13.30% 53.98% 11.16% 4.88% 3.20% 3.90%
ROIC
8.44% 7.93% 8.61% 11.86% 11.79% 12.69% 12.58% 13.93% 11.12% 11.02%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

United Bancorp, Inc. (UBCP) key facts

  • United Bancorp, Inc. (UBCP) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • United Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $47.5 million, up 8.02% from fiscal 2024.
  • Net income was $7.8 million, or $1.34 per share (basic), a net margin of 15.5%.
  • As of September 25, 2026, UBCP traded at $14.82, a market capitalization of $87.1 million.
  • At that price the stock trades at 10.7× trailing-twelve-month earnings and 1.7× sales.
  • United Bancorp, Inc. pays an annual dividend of $0.66 per share, a yield of 5.71%, with a payout ratio of 42.2%.
  • Return on equity was 11.0% and debt-to-equity 1.10.

Source: company filings (standardised) and stockrow calculations.

United Bancorp, Inc. (UBCP) Latest News

News by impact score

Fine-tune

31 Aug

3

United Bancorp upgraded to Outperform on deposit growth and strong margins. Upgrade highlights deposit growth and margins that may lift near-term investor sentiment without major strategic shifts.

29 Jul

3

United Bancorp reported higher Q2 earnings year-over-year driven by margin expansion and deposit growth. Q2 earnings growth via margin expansion and deposit increases indicates stronger core performance likely to lift near-term stock sentiment.

23 Jul

3

United Bancorp, Inc. reported higher earnings for the 2026 second quarter and first six months. Earnings growth directly lifts near-term financial results and investor views on UBCP.

14 May

3

United Bancorp, Inc. (UBCP) Q1 earnings rose 3% year-over-year, driven by deposit growth. Modest 3% Y/Y earnings growth from deposit expansion signals moderate financial improvement without transformative effects.

7 May

3

United Bancorp, Inc. (UBCP) reported first quarter 2026 earnings performance. Quarterly earnings reports provide key financial updates that moderately influence performance and investor sentiment.

23 Apr

4

United Bancorp, Inc. (UBCP) increased its second quarter cash dividend to $0.1950 per share, producing a 5.13% forward yield, and reported on its annual shareholder meeting. Dividend hike to $0.1950 per share with 5.13% forward yield signals financial strength and attracts income-focused investors, positively impacting stock performance.

19 Feb

3

United Bancorp, Inc. (UBCP) declares quarterly cash dividend of $0.1925 per common share, producing 5.6% forward yield, and special dividend of $0.1750 per common share. Quarterly and special dividends signal financial strength and boost investor appeal without fundamentally altering long-term trajectory.

9 Feb

4

United Bancorp, Inc. (UBCP) reported a year-over-year increase in Q4 earnings, driven by strong loan demand. The bank's performance reflects a positive trend in its lending activities, contributing to overall financial growth. This uptick in earnings highlights the company's ability to capitalize on market opportunities and meet customer needs effectively. Increased loan demand is likely to significantly enhance future financial performance and investor sentiment.

3 Feb

3

United Bancorp, Inc. reported increases in earnings for the fourth quarter and the twelve months ended December 31, 2025. The financial results indicate a positive trend in the company's performance, reflecting growth in revenue and profitability during the specified period. Earnings growth suggests a moderately noticeable influence on financial performance and market sentiment.

1 Jan

3

United Bancorp, Inc. (NASDAQ: UBCP) shareholders have achieved an 18% return over the past year, reflecting the company's strong performance in the financial sector. The increase in shareholder value highlights United Bancorp's effective management and strategic initiatives that have positively influenced its market position. Investors are encouraged by this growth, which may signal continued stability and potential for future gains. An 18% return indicates moderate positive performance, but it does not suggest a transformative change in the company's trajectory.

31 Dec

3

United Bancorp, Inc. (UBCP) is compared with Ohio Valley Banc Corp (OVBC) to determine which bank stock is a better investment option. The analysis includes financial performance metrics, market positioning, and growth potential of both banks. Key factors such as dividend yields, earnings growth, and asset quality are evaluated to provide insights for investors considering these stocks for their portfolios. Comparative analysis of UBCP and OVBC indicates moderate influence on investor sentiment and market positioning.

20 Nov

3

United Bancorp, Inc. has announced an increase in its fourth quarter cash dividend payment to $0.19 per share, resulting in a forward yield of 5.4%. This decision reflects the company's commitment to returning value to its shareholders. The dividend increase may positively influence investor sentiment and financial performance, but its overall effect is expected to be limited.

12 Nov

4

United Bancorp, Inc. (UBCP) reported a 4% increase in stock price following its Q3 earnings announcement, which showed year-over-year growth driven by strong loan performance. The bank's financial results indicate robust loan growth, contributing positively to its overall earnings. Strong loan growth and improved earnings are likely to significantly impact future performance and investor sentiment.

6 Nov

4

United Bancorp, Inc. reported solid earnings for the third quarter and first nine months of 2024 despite challenges in the financial services industry due to interest rate environment and economic activity. The article describes significant strategic initiatives and financial performance that are expected to have a profound influence on United Bancorp, Inc.'s future trajectory and market performance.

3

United Bancorp, Inc. reported increases in earnings for the third quarter and the first nine months of 2025. The financial results indicate a positive trend in profitability, reflecting the company's strong operational performance and effective management strategies. This growth positions United Bancorp favorably in the competitive banking sector. Earnings growth suggests a moderately noticeable influence on financial performance and market sentiment.

26 Aug

4

United Bancorp, Inc. (NASDAQ: UBCP) has announced an increase in its dividend payout compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to shareholders. This decision is expected to enhance investor confidence and attract new investors. The increased dividend payout is a significant strategic move that could positively influence investor sentiment and the company's market performance.

21 Aug

3

United Bancorp, Inc. has announced an increase in its third quarter cash dividend payment to $0.1875 per share, resulting in a forward yield of 5.2%. This decision reflects the company's commitment to returning value to shareholders. The dividend increase may positively influence investor sentiment and financial performance but is not expected to fundamentally alter the company's trajectory.

6 Aug

4

United Bancorp, Inc. (UBCP) reported a year-over-year increase in Q2 earnings, driven by loan expansion. The bank's growth reflects a strong demand for loans, contributing positively to its financial performance. This upward trend in earnings highlights the company's effective strategies in navigating the current economic landscape. Loan expansion is a significant factor that can enhance financial performance and investor sentiment.

3 Aug

3

United Bancorp, Inc. (UBCP) reported second quarter 2025 earnings with an earnings per share (EPS) of US$0.35, an increase from US$0.29 in the same quarter of 2024. This growth indicates a positive trend in the company's financial performance year-over-year. The increase in EPS suggests a moderately noticeable influence on financial performance.

31 Jul

3

United Bancorp, Inc. reported its earnings performance for the second quarter and the first six months of 2025, highlighting key financial metrics and growth indicators. The results reflect the company's ongoing strategies and market conditions, showcasing improvements in revenue and profitability compared to previous periods. Earnings performance may moderately influence investor sentiment and financial outlook.

27 Jul

3

United Bancorp, Inc. (NASDAQ:UBCP) has seen insider buying from top executives, indicating strong confidence in the company's future growth despite a recent decline in stock price. Key purchases include 2,197 shares by CEO Scott Everson and 3,497 shares by Director Gary Glessner. The stock is currently priced at $13.75 per share, with projections of 12.33% EPS growth over five years, making it suitable for conservative long-term investors. However, some analysts suggest that certain AI stocks may offer better upside potential. Insider buying reflects confidence, but the stock's recent decline and overall market conditions suggest a limited impact on future performance.

9 May

4

United Bancorp, Inc. (UBCP) reported diluted earnings per share of $0.32 and net income of $1,872,000 for Q1 2025, reflecting year-over-year decreases but linked-quarter increases. The company noted challenges from economic uncertainty and new trade policies, yet achieved a 2.2% increase in net interest income. Total assets declined slightly to $830.7 million, while gross loans increased by 3.5%. The company maintained strong credit quality metrics despite a rise in nonaccrual loans. UBCP is focused on growth initiatives, including a new banking center and technology investments, while continuing to reward shareholders with increased dividends. The overall outlook remains optimistic despite economic challenges. Significant strategic initiatives and investments are expected to alter the company's trajectory and investor sentiment.

20 Apr

3

United Bancorp, Inc. (NASDAQ:UBCP) has declared a dividend of $0.185 per share, yielding 6.6%. The company has a history of dividend payments exceeding 10 years, with a current payout ratio of 55%, indicating sustainability. However, the dividend has experienced volatility, including at least one cut in the past decade. Despite a compound annual growth rate of 11% in distributions since 2015, earnings per share (EPS) growth has been flat at 0.4% annually over the last five years, raising concerns about future dividend growth. While the recent dividend increase is positive, caution is advised due to the company's past dividend cuts and limited earnings growth potential. The dividend announcement reflects moderate financial stability but is tempered by past volatility and stagnant earnings growth.

17 Apr

3

United Bancorp, Inc. (UBCP) declared a second quarter cash dividend of $0.1850 per share, a 5.7% increase from the previous year. Shareholders of record on June 10, 2025, will receive the payment on June 20, 2025. Total cash dividends for the first two quarters of 2025 amount to $0.5425, reflecting a 9.0% increase year-over-year. The forward yield at the current dividend level is 5.51%, based on a market value of $13.42. During the annual meeting, shareholders elected Directors including Scott A. Everson and others. United Bancorp, headquartered in Martins Ferry, Ohio, has total assets of $816.7 million and total shareholder's equity of $65.5 million as of December 31, 2024. The dividend increase and positive financial performance indicate moderate influence on investor sentiment and financial stability.

19 Mar

3

United Bancorp (NASDAQ:UBCP) reported full-year 2024 results with revenue of US$29.0 million, down 4.6% from FY 2023, and net income of US$7.06 million, down 18%. The profit margin decreased to 24%, and EPS fell to US$1.28. Despite these declines, revenue and EPS exceeded analyst estimates by 1.6%. The net interest margin also declined to 3.51%, while non-performing loans increased to 0.16%. Looking ahead, revenue is expected to remain flat over the next three years, contrasting with a 7.4% growth forecast for the US banking industry. UBCP shares are down 2.8% over the past week. Revenue and earnings declines, alongside flat future forecasts, indicate a moderately noticeable influence on financial performance.

20 Feb

4

United Bancorp, Inc. (UBCP) declared a quarterly cash dividend of $0.1825 per common share, payable on March 20, 2025, to shareholders of record on March 10, 2025. This represents a 5.8% increase from the previous year. The forward yield is 5.6%. Additionally, a special dividend of $0.1750 per common share was approved, also payable on March 20, 2025, marking a 16.7% increase from last year's special dividend. The total projected cash dividends for the year are $0.9050. United Bancorp, Inc. has total assets of $820.8 million and total shareholder's equity of $67.6 million as of December 31, 2024. The declaration of both regular and special dividends indicates strong financial health and could significantly enhance investor sentiment.

15 Feb

3

United Bancorp, Inc. (NASDAQ:UBCP) shareholders have seen a 23% decline in share price over the last three years, underperforming the market's 43% gain. The company's earnings per share (EPS) decreased by 7.6% annually, closely aligning with the share price drop. Despite this, insiders have made significant purchases, and the total shareholder return (TSR) over three years is -7.8%, primarily due to dividends. In the past year, shareholders experienced a 19% total return, which, while positive, still lags behind the market average. Caution is advised due to two warning signs identified with the company. The decline in share price and EPS suggests moderate challenges, but recent insider buying and a positive total return indicate potential for improvement.

7 Feb

3 earnings

United Bancorp, Inc. reported its earnings for the fourth quarter of 2024 and the full year ending December 31, 2024. The financial results indicate a positive performance, showcasing growth in key metrics. The report highlights the company's strategic initiatives and operational efficiencies that contributed to its overall success during the year. The earnings report reflects moderately noticeable improvements in financial performance, which may influence investor sentiment and market positioning.

26 Nov

3

United Bancorp, Inc. (NASDAQ:UBCP) will increase its dividend to $0.18, resulting in a 6.6% yield. The company has a history of dividend payments, with a payout ratio of 51% and forecasted EPS growth of 37.4% over the next 3 years. The increased dividend and sustainable payout ratio may moderately influence United Bancorp's future financial performance.

21 Nov

3

United Bancorp, Inc. increases its fourth quarter cash dividend payment to $0.18 per share, resulting in a forward yield of 5.4%. The increased dividend payment may have a moderately noticeable influence on the company's financial performance and investor sentiment.

stockrow.com/UBCP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com