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United Bancorp, Inc. (UBCP)

NASDAQ: UBCP · USD

$14.0

+0.05 (+0.4%)· Recorded snapshot

Market cap	80.4M
Revenue (ttm)	33M
Net income (ttm)	7.6M
EPS (ttm)	$1.38
Shares out	5.7M
P/E (trailing)	10.1x
P/E (forward)	10.6x
Dividend	$0.96 (6.70%)
Volume	2,334
Beta	0.33

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Metric	Value
Amount currency	USD
CIK code	0000731653
Company name	United Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	909911109
Earnings date	2026-11-09
Employees	133
Employees change	7
Employees growth	5.56%
Enterprise value	$145.7M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1902
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US9099111091
Last 10-K release date	2026-03-18
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split date	2006-11-29
Last stock split type	Forward
Market cap	$80.4M
Market cap category	Micro-Cap
Next earnings date	2026-11-09
Options	No
Price	$14.01
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	UBCP
U.S. state	Ohio
Website	https://www.unitedbancorp.com

Metric

Value

Amount currency

USD

CIK code

0000731653

Company name

United Bancorp, Inc.

Country

United States

Country code

CUSIP number

909911109

Earnings date

2026-11-09

Employees

133

Employees change

Employees growth

5.56%

Enterprise value

$145.7M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1902

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US9099111091

Last 10-K release date

2026-03-18

Last earnings date

2026-07-23

Last refreshed

2026-10-28

Last stock split date

2006-11-29

Last stock split type

Forward

Market cap

$80.4M

Market cap category

Micro-Cap

Next earnings date

2026-11-09

Options

Price

$14.01

Price currency

USD

Sector

Financials

SIC code

6022

Stock price date

2026-10-28

Symbol

UBCP

U.S. state

Ohio

Website

https://www.unitedbancorp.com

Metric	Value
Average P/E ratio (10Y)	12.39x
Average P/E ratio (3Y)	10.44x
Average P/E ratio (5Y)	10.41x
Earnings yield	9.85%
EV/Earnings	19.23x
EV/Sales	4.42x
FCF / EV yield	-2.82%
FCF yield	-5.11%
Forward P/E	10.56x
Graham number	19.75843
Graham upside	40.93%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$6.90
Lynch upside	-50.77%
P/B ratio	1.11x
P/E ratio	10.15x
P/OCF ratio	11.63x
P/S ratio	2.44x
Price / tangible book value	1.13x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Average P/E ratio (10Y)

12.39x

Average P/E ratio (3Y)

10.44x

Average P/E ratio (5Y)

10.41x

Earnings yield

9.85%

EV/Earnings

19.23x

EV/Sales

4.42x

FCF / EV yield

-2.82%

FCF yield

-5.11%

Forward P/E

10.56x

Graham number

19.75843

Graham upside

40.93%

Industry forward P/E

10.04x

Industry P/E

11.85x

Lynch fair value

$6.90

Lynch upside

-50.77%

P/B ratio

1.11x

P/E ratio

10.15x

P/OCF ratio

11.63x

P/S ratio

2.44x

Price / tangible book value

1.13x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
Operating margin	26.98%
Pretax margin	23.33%
Profit margin	24.16%
Profit per employee	$56,970
Profitable quarters	126
Profitable years	33
Revenue per employee	$248,083
ROA	0.92%
ROA (5Y)	1.09%
ROE	12.1%
ROE (5Y)	12.88%
SBC / revenue	1.15%
Tax / revenue	-0.84%

Metric

Value

Operating margin

26.98%

Pretax margin

23.33%

Profit margin

24.16%

Profit per employee

$56,970

Profitable quarters

126

Profitable years

Revenue per employee

$248,083

ROA

0.92%

ROA (5Y)

1.09%

ROE

12.1%

ROE (5Y)

12.88%

SBC / revenue

1.15%

Tax / revenue

-0.84%

Metric	Value
EPS growth	7.53%
EPS growth (Q)	9.09%
EPS growth (QoQ)	10.32%
EPS growth 10Y	7.18%
EPS growth 3Y	-3.37%
EPS growth 5Y	-1.92%
EPS growth quarters	5
EPS growth years	1
Net income growth	6.93%
Net income growth (Q)	9.46%
Net income growth (QoQ)	10.87%
Net income growth 3Y	-3.41%
Net income growth 5Y	-1.83%
Net income growth quarters	5
Net income growth years	1
OCF growth	-33.95%
OCF growth (Q)	-72.6%
OCF growth (QoQ)	289.47%
OCF growth 10Y	6.36%
OCF growth 3Y	-10.81%
OCF growth 5Y	-7.35%
Revenue growth	10.32%
Revenue growth (Q)	9.2%
Revenue growth (QoQ)	7.45%
Revenue growth 10Y	6.49%
Revenue growth 3Y	3.26%
Revenue growth 5Y	3.73%
Revenue growth quarters	6
Revenue growth years	1

Metric

Value

EPS growth

7.53%

EPS growth (Q)

9.09%

EPS growth (QoQ)

10.32%

EPS growth 10Y

7.18%

EPS growth 3Y

-3.37%

EPS growth 5Y

-1.92%

EPS growth quarters

EPS growth years

Net income growth

6.93%

Net income growth (Q)

9.46%

Net income growth (QoQ)

10.87%

Net income growth 3Y

-3.41%

Net income growth 5Y

-1.83%

Net income growth quarters

Net income growth years

OCF growth

-33.95%

OCF growth (Q)

-72.6%

OCF growth (QoQ)

289.47%

OCF growth 10Y

6.36%

OCF growth 3Y

-10.81%

OCF growth 5Y

-7.35%

Revenue growth

10.32%

Revenue growth (Q)

9.2%

Revenue growth (QoQ)

7.45%

Revenue growth 10Y

6.49%

Revenue growth 3Y

3.26%

Revenue growth 5Y

3.73%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-11M
EPS	$1.38
FCF per share	$-0.72
Financing cash flow	$11.3M
Free cash flow	$-4.1M
Gross profit	$33M
Income taxes	$-276,000
Investing cash flow	$-21.9M
Net borrowing	$-26.2M
Net cash flow	$-3.7M
Net income	$7.6M
Operating income	$8.9M
Revenue	$33M
Stock-based compensation	$379,000

Metric

Value

Capital expenditures

$-11M

EPS

$1.38

FCF per share

$-0.72

Financing cash flow

$11.3M

Free cash flow

$-4.1M

Gross profit

$33M

Income taxes

$-276,000

Investing cash flow

$-21.9M

Net borrowing

$-26.2M

Net cash flow

$-3.7M

Net income

$7.6M

Operating income

$8.9M

Revenue

$33M

Stock-based compensation

$379,000

Metric	Value
Book value per share	$12.57
Debt / equity	1.54
Goodwill	$682,000
Net cash (debt)	$-65.3M
Net cash / market cap	-81.2%
Net debt / equity	0.91
Piotroski F-Score	3
Property, plant and equipment	$36.5M
Shareholders' equity	$72.1M
Tangible book value	$71.4M
Tangible book value per share	$12.45
Total assets	$878M
Total cash	$46M
Total debt	$111.3M
Total liabilities	$805.9M
WACC	2.55%

Metric

Value

Book value per share

$12.57

Debt / equity

1.54

Goodwill

$682,000

Net cash (debt)

$-65.3M

Net cash / market cap

-81.2%

Net debt / equity

0.91

Piotroski F-Score

Property, plant and equipment

$36.5M

Shareholders' equity

$72.1M

Tangible book value

$71.4M

Tangible book value per share

$12.45

Total assets

$878M

Total cash

$46M

Total debt

$111.3M

Total liabilities

$805.9M

WACC

2.55%

Metric	Value
Working capital	$-663.6M

Metric

Value

Working capital

$-663.6M

Metric	Value
Buyback yield / dilution	1.42%
Dividend growth	4.4%
Dividend growth (10Y)	7.52%
Dividend growth (3Y)	5.68%
Dividend growth (5Y)	6.99%
Dividend growth years	6
Dividend payment date	2026-09-18
Dividend payment years	34
Dividend payout frequency	Quarterly
Dividend per share	$0.96
Dividend yield	6.7%
Ex-dividend date	2026-09-10
Last dividend	$0.20
Payout ratio	68.82%
Shareholder yield	8.07%

Metric

Value

Buyback yield / dilution

1.42%

Dividend growth

4.4%

Dividend growth (10Y)

7.52%

Dividend growth (3Y)

5.68%

Dividend growth (5Y)

6.99%

Dividend growth years

Dividend payment date

2026-09-18

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.96

Dividend yield

6.7%

Ex-dividend date

2026-09-10

Last dividend

$0.20

Payout ratio

68.82%

Shareholder yield

8.07%

Metric	Value
10Y price change	29.82%
10Y return CAGR	8.2%
10Y total return	119.98%
150-day SMA	$15.49
15Y price change	76.8%
15Y return CAGR	9.25%
15Y total return	277.09%
1D price change	0.36%
1M price change	-5.37%
1M total return	-5.37%
1W price change	4.05%
1W total return	4.05%
1Y price change	7.33%
1Y return CAGR	14.21%
1Y total return	14.2%
20-day SMA	$14.02
200-day SMA	$15.24
20Y price change	43.46%
20Y return CAGR	7.36%
20Y total return	314.08%
3M price change	-10.79%
3M total return	-9.66%
3Y price change	39.99%
3Y return CAGR	19.49%
3Y total return	70.64%
50-day SMA	$14.93
50-day SMA vs 200-day SMA	50under200
52-week high	$17.34
52-week high date	2026-03-23
52-week low	$12.55
52-week low date	2025-11-05
5Y price change	-6.53%
5Y return CAGR	4.84%
5Y total return	26.68%
6M price change	-13.99%
6M total return	-11.85%
All-time high	$20.83
All-time high date	2022-01-10
All-time low	$4.02
All-time low date	1993-03-01
Average true range (ATR)	$0.53
Average volume	8.1K
Beta (1Y)	-0.1
Beta (2Y)	-0.13
Beta (5Y)	0.33
Change from 52-week high	-19.18%
Change from 52-week low	11.63%
Change from all-time high	-32.68%
Change from all-time low	248.67%
Change from open	-0.5%
Day's gap	0.86%
Dollar volume	$32,699
High price	$14.47
Low price	$14.00
Monthly RSI	48.36
Open price	$14.08
Position in 52-week range	2.13%
Previous close	$13.96
Price vs 150-day SMA	-9.46%
Price vs 20-day SMA	0.04%
Price vs 200-day SMA	-7.98%
Price vs 50-day SMA	-6.07%
Relative volume	0.29
RSI	45.57
Sharpe ratio	0.43
Sharpe ratio (3Y)	0.43
Sharpe ratio (5Y)	0.19
Sortino ratio	0.77
Sortino ratio (3Y)	0.8
Sortino ratio (5Y)	0.45
Volume	2.3K
Weekly RSI	42.28
YTD price change	-2.3%
YTD total return	2.53%

Metric

Value

10Y price change

29.82%

10Y return CAGR

8.2%

10Y total return

119.98%

150-day SMA

$15.49

15Y price change

76.8%

15Y return CAGR

9.25%

15Y total return

277.09%

1D price change

0.36%

1M price change

-5.37%

1M total return

-5.37%

1W price change

4.05%

1W total return

4.05%

1Y price change

7.33%

1Y return CAGR

14.21%

1Y total return

14.2%

20-day SMA

$14.02

200-day SMA

$15.24

20Y price change

43.46%

20Y return CAGR

7.36%

20Y total return

314.08%

3M price change

-10.79%

3M total return

-9.66%

3Y price change

39.99%

3Y return CAGR

19.49%

3Y total return

70.64%

50-day SMA

$14.93

50-day SMA vs 200-day SMA

50under200

52-week high

$17.34

52-week high date

2026-03-23

52-week low

$12.55

52-week low date

2025-11-05

5Y price change

-6.53%

5Y return CAGR

4.84%

5Y total return

26.68%

6M price change

-13.99%

6M total return

-11.85%

All-time high

$20.83

All-time high date

2022-01-10

All-time low

$4.02

All-time low date

1993-03-01

Average true range (ATR)

$0.53

Average volume

8.1K

Beta (1Y)

-0.1

Beta (2Y)

-0.13

Beta (5Y)

0.33

Change from 52-week high

-19.18%

Change from 52-week low

11.63%

Change from all-time high

-32.68%

Change from all-time low

248.67%

Change from open

-0.5%

Day's gap

0.86%

Dollar volume

$32,699

High price

$14.47

Low price

$14.00

Monthly RSI

48.36

Open price

$14.08

Position in 52-week range

2.13%

Previous close

$13.96

Price vs 150-day SMA

-9.46%

Price vs 20-day SMA

0.04%

Price vs 200-day SMA

-7.98%

Price vs 50-day SMA

-6.07%

Relative volume

0.29

RSI

45.57

Sharpe ratio

0.43

Sharpe ratio (3Y)

0.43

Sharpe ratio (5Y)

0.19

Sortino ratio

0.77

Sortino ratio (3Y)

0.8

Sortino ratio (5Y)

0.45

Volume

2.3K

Weekly RSI

42.28

YTD price change

-2.3%

YTD total return

2.53%

Metric	Value
Float	4.8M
Float percentage	83.04%
Shares change (QoQ)	-0.44%
Shares change (YoY)	-1.42%
Shares held by insiders	10.07%
Shares held by institutions	13.29%
Shares outstanding	5.7M
Short % of float	0.15%
Short % of shares	0.12%
Short ratio	1 days

Metric

Value

Float

4.8M

Float percentage

83.04%

Shares change (QoQ)

-0.44%

Shares change (YoY)

-1.42%

Shares held by insiders

10.07%

Shares held by institutions

13.29%

Shares outstanding

5.7M

Short % of float

0.15%

Short % of shares

0.12%

Short ratio

1 days

United Bancorp, Inc. (UBCP)

Price

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Valuation

Profitability

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Performance and technicals

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