UBCP
United Bancorp, Inc.
Price Chart
Latest Quote
$15.82
+0.36 (+2.33%)
Current Price
| Previous Close | $15.46 |
| Open | $15.46 |
| Day High | $15.82 |
| Day Low | $15.46 |
| Volume | 624 |
Stock Information
| Quarterly Dividend / Yield | $0.77 / 4.98% |
| Shares Outstanding | 5.78M |
| Quarterly Dividend Yield | 4.98% |
| Quarterly Dividend | $0.77 |
| Total Debt | $117.48M |
| Cash Equivalents | $27.24M |
| Revenue | $32.28M |
| Net Income | $7.42M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $91.46M |
| P/E Ratio | 11.72 |
| EPS (TTM) | $1.35 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $174.46M |
| Sales | $32.28M |
| Income | $7.42M |
| Book/sh | $12.25 |
| Cash/sh | $4.71 |
| Employees | 125 |
Financial Ratios
| EPS Growth TTM | 2.10% |
Returns & Margins
| ROA | 0.92% |
| ROE | 12.15% |
| Operating Margin | 23.40% |
| Profit Margin | 24.14% |
Ownership
| Insider Ownership | 16.69% |
| Institutional Ownership | 13.48% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.89 |
| P/S | 2.83 |
| P/B | 1.29 |
Analyst Data
| Recommendation | none |
| Target Price | $20.00 |
Technical Indicators
| SMA20 | $15.40 |
| SMA50 | $15.55 |
| SMA200 | $14.06 |
| RSI | 50.40 |
| ATR | 0.4424 |
| Shares Float | 4.57M |
| Short Float | 0.28% |
| Short Ratio | 1.72 |
| Volatility | 0.36 |
| Rel Volume | 0.07 |
Performance History
| Week | +0.06% |
| Month | +12.36% |
| Quarter | +8.92% |
| 6 Months | +18.63% |
| YTD | +14.33% |
| Year | +27.81% |
| 3 Years | +65.86% |
| 5 Years | +39.13% |
| 10 Years | +174.57% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $15.82 | 700 |
| 2026-06-16 | $15.32 | 4,400 |
| 2026-06-15 | $15.14 | 4,900 |
| 2026-06-12 | $15.63 | 12,000 |
| 2026-06-11 | $15.80 | 1,200 |
| 2026-06-10 | $15.81 | 2,200 |
| 2026-06-09 | $16.15 | 38,100 |
| 2026-06-08 | $15.81 | 3,000 |
| 2026-06-05 | $15.71 | 1,000 |
| 2026-06-04 | $15.89 | 2,300 |
| 2026-06-03 | $15.71 | 3,700 |
| 2026-06-02 | $15.86 | 9,400 |
| 2026-06-01 | $15.69 | 2,700 |
| 2026-05-29 | $15.23 | 9,200 |
| 2026-05-28 | $15.79 | 11,200 |
| 2026-05-27 | $15.32 | 68,000 |
| 2026-05-26 | $14.38 | 12,800 |
| 2026-05-22 | $14.40 | 5,200 |
| 2026-05-21 | $14.26 | 3,000 |
| 2026-05-20 | $14.23 | 0 |
| 2026-05-19 | $14.23 | 1,900 |
| 2026-05-18 | $14.08 | 19,600 |
About United Bancorp, Inc.
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
đ° Latest News
United Bancorp's Q1 Earnings Rise 3% Y/Y on Deposit Growth
Zacks âĸ 2026-05-14T18:03:00Z
United Bancorp Rallies 27% in a Year: Should You Buy the Stock?
Zacks âĸ 2026-04-23T17:45:00Z
The Zacks Analyst Blog Palantir, Linde, Arista Networks, Comstock and United Bancorp
Zacks âĸ 2026-03-30T09:12:00ZTop Research Reports for Palantir, Linde and Arista Networks
Zacks âĸ 2026-03-27T22:21:00Z
United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand
Zacks âĸ 2026-02-09T18:04:00Z
United Bancorp (NASDAQ:UBCP) shareholders have earned a 18% return over the last year
Simply Wall St. âĸ 2026-01-01T13:08:48Z
OVBC vs. UBCP: Which Bank Stock Deserves a Spot in Your Portfolio?
Zacks âĸ 2025-12-31T15:47:00Z
UBCP Stock Rises 4% as Q3 Earnings Rise Y/Y on Strong Loan Growth
Zacks âĸ 2025-11-12T16:24:00Z
The Zacks Analyst Blog Highlights Home Depot, Boeing, Progressive, Frequency Electronics and United Bancorp
Zacks âĸ 2025-10-20T15:14:00Z
Top Analyst Reports for Home Depot, Boeing & Progressive
Zacks âĸ 2025-10-17T22:42:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $32,479,000 | $29,260,000 | $29,889,000 | $28,471,000 |
| Operating Revenue | $32,479,000 | $29,260,000 | $29,889,000 | $28,471,000 |
| Expenses | ||||
| Interest Expense | $15,029,000 | $14,721,000 | $11,014,000 | $3,273,000 |
| Selling And Marketing Expense | $529,000 | $425,000 | $361,000 | $346,000 |
| General And Administrative Expense | $12,866,000 | $11,077,000 | $11,270,000 | $11,071,000 |
| Professional Expense And Contract Services Expense | $1,665,000 | $1,819,000 | $1,427,000 | $1,451,000 |
| Other Non Interest Expense | $6,513,000 | $5,877,000 | $5,576,000 | $4,655,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Net Interest Income | $26,095,000 | $24,416,000 | $25,581,000 | $24,249,000 |
| Interest Income | $41,124,000 | $39,137,000 | $36,595,000 | $27,522,000 |
| Normalized Income | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Net Income From Continuing And Discontinued Operation | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Net Income Common Stockholders | $7,385,000 | $7,062,000 | $8,593,000 | $8,269,000 |
| Net Income | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Net Income Including Noncontrolling Interests | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Net Income Continuous Operations | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Pretax Income | $7,667,000 | $7,295,000 | $9,491,000 | $9,536,000 |
| Depreciation Amortization Depletion Income Statement | $122,000 | $150,000 | $150,000 | $150,000 |
| Depreciation And Amortization In Income Statement | $122,000 | $150,000 | $150,000 | $150,000 |
| Amortization Of Intangibles Income Statement | $122,000 | $150,000 | $150,000 | $150,000 |
| Per Share | ||||
| Diluted EPS | $1.34 | $1.27 | $1.57 | $1.50 |
| Basic EPS | $1.34 | $1.27 | $1.57 | $1.50 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,348,000 | $1,229,000 | $1,147,000 | $1,163,000 |
| Diluted Average Shares | $5,492,092 | $5,539,653 | $5,490,488 | $5,483,305 |
| Basic Average Shares | $5,492,092 | $5,539,653 | $5,490,488 | $5,483,305 |
| Diluted NI Availto Com Stockholders | $7,385,000 | $7,062,000 | $8,593,000 | $8,269,000 |
| Otherunder Preferred Stock Dividend | $368,000 | $340,000 | $357,000 | $388,000 |
| Tax Provision | $-86,000 | $-107,000 | $541,000 | $879,000 |
| Gain On Sale Of Security | $841,000 | $-116,000 | $0 | $0 |
| Amortization | $122,000 | $150,000 | $150,000 | $150,000 |
| Selling General And Administration | $13,395,000 | $11,502,000 | $11,631,000 | $11,417,000 |
| Insurance And Claims | $1,041,000 | $994,000 | $998,000 | $766,000 |
| Salaries And Wages | $11,825,000 | $10,083,000 | $10,272,000 | $10,305,000 |
| Occupancy And Equipment | $2,552,000 | $2,318,000 | $2,064,000 | $2,217,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $69,833,000 | $62,653,000 | $62,651,000 | $58,645,000 |
| Total Assets | $857,445,000 | $816,656,000 | $819,449,000 | $757,400,000 |
| Goodwill And Other Intangible Assets | $682,000 | $804,000 | $942,000 | $1,092,000 |
| Receivables | $3,982,000 | $4,322,000 | $4,098,000 | $3,403,000 |
| Accounts Receivable | $3,982,000 | $4,322,000 | $4,098,000 | $3,403,000 |
| Cash And Cash Equivalents | $46,528,000 | $19,608,000 | $40,770,000 | $30,080,000 |
| Cash Financial | $9,381,000 | $8,171,000 | $7,352,000 | $8,279,000 |
| Cash Cash Equivalents And Federal Funds Sold | $46,528,000 | $19,608,000 | $40,770,000 | $30,080,000 |
| Other Intangible Assets | - | $122,000 | $260,000 | $410,000 |
| Debt | ||||
| Net Debt | $52,381,000 | $79,239,000 | $58,017,000 | - |
| Total Debt | $101,867,000 | $101,720,000 | $101,551,000 | $23,726,000 |
| Long Term Debt And Capital Lease Obligation | $101,867,000 | $101,720,000 | $101,551,000 | $23,726,000 |
| Long Term Debt | $98,909,000 | $98,847,000 | $98,787,000 | $23,726,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $786,930,000 | $753,199,000 | $755,856,000 | $697,663,000 |
| Payables And Accrued Expenses | - | - | - | $5,918,000 |
| Payables | - | - | - | $5,918,000 |
| Accounts Payable | - | - | - | $5,918,000 |
| Non Current Deferred Liabilities | - | - | - | - |
| Non Current Deferred Taxes Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $70,515,000 | $63,457,000 | $63,593,000 | $59,737,000 |
| Total Equity Gross Minority Interest | $70,515,000 | $63,457,000 | $63,593,000 | $59,737,000 |
| Stockholders Equity | $70,515,000 | $63,457,000 | $63,593,000 | $59,737,000 |
| Other Equity Interest | $-2,431,000 | $-2,078,000 | $-2,363,000 | $-1,902,000 |
| Gains Losses Not Affecting Retained Earnings | $-5,351,000 | $-10,100,000 | $-7,478,000 | $-9,336,000 |
| Other Equity Adjustments | $-5,351,000 | $-10,100,000 | $-7,478,000 | $-9,336,000 |
| Retained Earnings | $48,576,000 | $46,307,000 | $44,018,000 | $41,945,000 |
| Other | ||||
| Treasury Shares Number | $456,289 | $409,530 | $361,166 | $303,600 |
| Ordinary Shares Number | $5,756,852 | $5,793,611 | $5,702,685 | $5,740,251 |
| Share Issued | $6,213,141 | $6,203,141 | $6,063,851 | $6,043,851 |
| Tangible Book Value | $69,833,000 | $62,653,000 | $62,651,000 | $58,645,000 |
| Invested Capital | $169,424,000 | $162,304,000 | $162,380,000 | $83,463,000 |
| Capital Lease Obligations | $2,958,000 | $2,873,000 | $2,764,000 | - |
| Total Capitalization | $169,424,000 | $162,304,000 | $162,380,000 | $83,463,000 |
| Treasury Stock | $3,565,000 | $3,248,000 | $2,561,000 | $1,828,000 |
| Additional Paid In Capital | $27,073,000 | $26,373,000 | $25,913,000 | $24,814,000 |
| Capital Stock | $6,213,000 | $6,203,000 | $6,064,000 | $6,044,000 |
| Common Stock | $6,213,000 | $6,203,000 | $6,064,000 | $6,044,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $2,958,000 | $2,873,000 | $2,764,000 | - |
| Investments And Advances | $114,804,000 | $119,231,000 | $169,960,000 | $217,624,000 |
| Goodwill | $682,000 | $682,000 | $682,000 | $682,000 |
| Net PPE | $34,095,000 | $23,599,000 | $14,984,000 | $12,144,000 |
| Accumulated Depreciation | $-28,146,000 | $-26,966,000 | $-25,887,000 | $-26,376,000 |
| Gross PPE | $62,240,000 | $50,565,000 | $40,871,000 | $38,520,000 |
| Machinery Furniture Equipment | $20,710,000 | $18,838,000 | $17,944,000 | $18,027,000 |
| Properties | $41,530,000 | $31,727,000 | $22,927,000 | $20,493,000 |
| Other Short Term Investments | $114,804,000 | $119,231,000 | $169,960,000 | $217,624,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-1,322,000 | $-1,247,000 | $8,382,000 | $7,970,000 |
| Operating Activities | ||||
| Operating Cash Flow | $10,456,000 | $8,448,000 | $9,463,000 | $8,481,000 |
| Cash Flow From Continuing Operating Activities | $10,456,000 | $8,448,000 | $9,463,000 | $8,481,000 |
| Operating Gains Losses | $-571,000 | $-359,000 | $-17,000 | $-13,000 |
| Investing Activities | ||||
| Capital Expenditure | $-11,778,000 | $-9,695,000 | $-1,081,000 | $-511,000 |
| Investing Cash Flow | $-4,515,000 | $-19,465,000 | $-48,472,000 | $-103,256,000 |
| Cash Flow From Continuing Investing Activities | $-4,515,000 | $-19,465,000 | $-48,472,000 | $-103,256,000 |
| Net Other Investing Changes | $-10,604,000 | $14,000 | $-1,347,000 | $1,361,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-317,000 | $-687,000 | $-733,000 | $-767,000 |
| Financing Cash Flow | $20,979,000 | $-10,145,000 | $49,699,000 | $41,856,000 |
| Cash Flow From Continuing Financing Activities | $20,979,000 | $-10,052,000 | $49,699,000 | $41,856,000 |
| Cash Dividends Paid | $-5,484,000 | $-5,113,000 | $-4,789,000 | $-4,559,000 |
| Common Stock Dividend Paid | $-5,484,000 | $-5,113,000 | $-4,789,000 | $-4,559,000 |
| Net Common Stock Issuance | $-317,000 | $-687,000 | $-733,000 | $-767,000 |
| Net Other Financing Charges | - | $-93,000 | - | - |
| Other | ||||
| Repayment Of Debt | $-1,000 | $-93,000 | $0 | - |
| Interest Paid Supplemental Data | $15,248,000 | $14,623,000 | $10,585,000 | $3,150,000 |
| Income Tax Paid Supplemental Data | $182,000 | $102,000 | $0 | $230,000 |
| End Cash Position | $46,528,000 | $19,608,000 | $40,770,000 | $30,080,000 |
| Beginning Cash Position | $19,608,000 | $40,770,000 | $30,080,000 | $82,999,000 |
| Changes In Cash | $26,920,000 | $-21,162,000 | $10,690,000 | $-52,919,000 |
| Common Stock Payments | $-317,000 | $-687,000 | $-733,000 | $-767,000 |
| Net Issuance Payments Of Debt | $-1,000 | $-93,000 | $75,000,000 | $0 |
| Net Long Term Debt Issuance | $-1,000 | $-93,000 | $75,000,000 | $0 |
| Long Term Debt Payments | $-1,000 | $-93,000 | $0 | - |
| Net Investment Purchase And Sale | $18,302,000 | $-1,629,000 | $-23,588,000 | $-93,802,000 |
| Sale Of Investment | $54,236,000 | $44,491,000 | $2,330,000 | $6,190,000 |
| Purchase Of Investment | $-35,934,000 | $-46,120,000 | $-25,918,000 | $-99,992,000 |
| Net PPE Purchase And Sale | $-11,722,000 | $-9,695,000 | $-1,072,000 | $-400,000 |
| Sale Of PPE | $56,000 | $0 | $9,000 | $111,000 |
| Purchase Of PPE | $-11,778,000 | $-9,695,000 | $-1,081,000 | $-511,000 |
| Change In Working Capital | $543,000 | $-1,081,000 | $-1,436,000 | $-2,348,000 |
| Change In Other Working Capital | $-401,000 | $-429,000 | $-422,000 | $-191,000 |
| Change In Other Current Assets | $-349,000 | $-2,154,000 | $-288,000 | $-824,000 |
| Change In Payables And Accrued Expense | $923,000 | $1,756,000 | $-31,000 | $-275,000 |
| Change In Payable | $923,000 | $1,756,000 | $-31,000 | $-275,000 |
| Change In Account Payable | $923,000 | $1,756,000 | $-31,000 | $-275,000 |
| Change In Receivables | $370,000 | $-254,000 | $-695,000 | $-1,058,000 |
| Changes In Account Receivables | $370,000 | $-254,000 | $-695,000 | $-1,058,000 |
| Other Non Cash Items | $613,000 | $413,000 | $90,000 | $97,000 |
| Stock Based Compensation | $357,000 | $884,000 | $658,000 | $1,005,000 |
| Deferred Tax | $-633,000 | $-904,000 | $13,000 | $342,000 |
| Deferred Income Tax | $-633,000 | $-904,000 | $13,000 | $342,000 |
| Depreciation Amortization Depletion | $1,348,000 | $1,229,000 | $1,147,000 | $1,163,000 |
| Depreciation And Amortization | $1,348,000 | $1,229,000 | $1,147,000 | $1,163,000 |
| Amortization Cash Flow | $122,000 | $150,000 | $150,000 | $150,000 |
| Amortization Of Intangibles | $122,000 | $150,000 | $150,000 | $150,000 |
| Depreciation | $1,226,000 | $1,079,000 | $997,000 | $1,013,000 |
| Gain Loss On Investment Securities | $-841,000 | $116,000 | $0 | $0 |
| Net Income From Continuing Operations | $7,753,000 | $7,402,000 | $8,950,000 | $8,657,000 |
| Issuance Of Debt | - | $0 | $75,000,000 | $0 |
| Long Term Debt Issuance | - | $0 | $75,000,000 | $0 |
Fetched: 2026-06-18