Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

UBCP stock hub

United Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

92.1M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

UBCP

In the news

Latest news · UBCP

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11.9

P25 8.8P50 10.4P75 13.1

Trailing P/E11.8

P25 10.9P50 14.7P75 36.2

ROE12.1

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All UBCP market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

196

Groups with data

Currency

USD

Showing 196 of 196 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000731653
Company name	United Bancorp, Inc.
Country	United States
Country code	US
Cusip	909911109
Employees	133
Employees Change	7%
Employees Change Percent	5.56
Enterprise value	$155.5M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US9099111091
Last refreshed	2026-05-10
Market cap	$92.1M
Market cap category	Micro-Cap
Price	$16
Price currency	USD
Rev Per Employee	242,702.26x
Sector	Financials
Sic	6022
Symbol	UBCP
Website	https://www.unitedbancorp.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.06%
EV Earnings	20.94x
EV/Sales	4.82x
Forward P/E	11.85x
P/B ratio	1.37x
P/E ratio	11.85x
P/S ratio	2.85x
PE Ratio10 Y	12.45x
PE Ratio3 Y	10.1x
PE Ratio5 Y	10.32x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$32.3M
Net Income	$7.4M
Net Income Growth	7.02%
Net Income Growth Q	2.07%
Net Income Growth Quarters	3%
Net Income Growth Years	1%
Net Income Growth3 Y	-4.04%
Net Income Growth5 Y	-1.11%
Pretax Margin	23.46%
Profit Margin	24.14%
Profit Per Employee	$55,819
Profitable Years	33
ROA	0.92
Roa5y	1.09
ROE	12.15
Roe5y	12.88

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	10.84%
Cagr15y	9.54%
Cagr1y	33.59%
Cagr20y	7.88%
Cagr3y	16.15%
Cagr5y	7.36%
Div CAGR10	7.89%
Div CAGR3	5.74%
Div CAGR5	6.93%
EPS Growth	8.9
EPS Growth Q	3.84
EPS Growth Quarters	3
EPS Growth Years	1
EPS Growth3 Y	-4.04
EPS Growth5 Y	-1.24
Revenue Growth	9.75x
Revenue Growth Q	6.38x
Revenue Growth Quarters	4x
Revenue Growth Years	1x
Revenue Growth3 Y	2.62x
Revenue Growth5 Y	3.79x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$858.5M
Cash	$27.2M
Debt	$90.6M
Equity	$67.5M
Liabilities	$791M
Net Cash	$-63.4M
Net Cash By Market Cap	$-68.78
Net Debt Equity	$0.94
Tangible Book Value	$66.8M
Tangible Book Value Per Share	$11.54
WACC	3.21

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-672.5M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.42%
Dividend Growth	4.44%
Dividend Growth Years	6%
Dividend per share	$0.96
Dividend Years	34
Dividend Yield	5.97%
Ex Div Date	2026-06-10
Last Dividend	$0.2
Payout Frequency	Quarterly
Payout Ratio	69.59%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	179.87%
1Y total return	33.57%
200-day SMA	14.34
3Y total return	56.73%
50-day SMA	15.78
50-day SMA vs 200-day SMA	50over200
5Y total return	42.6%
All Time High	20.83
All Time High Change	-23.17%
All Time High Date	2022-01-10
All Time Low	4.02
All Time Low Change	297.91%
All Time Low Date	1993-03-01
ATR	0.56
Beta	0.38
Beta1y	-0.13
Beta2y	-0.17
Ch YTD	11.5
High	16.33
High52	17.34
High52 Date	2026-03-23
High52ch	-7.7%
Low	15.98
Low52	12.25
Low52 Date	2025-05-14
Low52ch	30.61%
Ma50ch	1.37%
Price vs 200-day SMA	11.58%
RSI	50.14
RSI Monthly	60.56
RSI Weekly	61.77
Sharpe ratio	1x
Sortino ratio	1.71
Total Return	7.39%
Tr YTD	14.17
Tr15y	292.43%
Tr1m	4.17%
Tr1w	-0.12%
Tr3m	17.02%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$8.8M
Operating margin	27.39

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	4,826,232%
Float Percent	83.83%
Shares Insiders	9.32%
Shares Institutions	12.11%
Shares Out	5,756,852
Shares Qo Q	5.55%
Shares Yo Y	-1.42%
Short Float	0.2%
Short Ratio	0.46
Short Shares	0.17

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	9,901x
Bv Per Share	11.66
Ch10y	65.8
Ch15y	82.61
Ch1m	4.17
Ch1w	-0.12
Ch1y	25.34
Ch20y	58.28
Ch3m	14.29
Ch3y	28.1
Ch5y	5.82
Ch6m	26.38
Change	-1.9%
Change From Open	-2.02
Close	16.31
Days Gap	0.12
Dollar Volume	50,504.1
Earnings Date	2026-05-07
EPS	$1.35
F Score	2
Fiscal Year End	December
Founded	1,902
Graham Number	18.82226
Graham Upside	17.64
Income Tax	$-219,711
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-07
Last Report Date	2026-03-31
Last Split Date	2006-11-29
Last Split Type	Forward
Last10k Filing Date	2026-03-18
Lynch Fair Value	$6.75
Lynch Upside	-57.79
Ma150	14.4
Ma150ch	11.11%
Ma20	16.1
Ma20ch	-0.61%
Next Earnings Date	2026-07-30
Open	16.33
Optionable	No
Payment Date	2026-06-19
Position In Range	5.71
Price Date	2026-05-08
Ptbv Ratio	1.38
Relative Volume	0.32x
Revenue	32,279,400x
Tax By Revenue	-0.68x
Tr20y	356.09%
Tr6m	31.2%
Us State	Ohio
Volume	3,156.5

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

UBCP dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+6.0%

$0.95 annual per share

Payout ratio

+69.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.9%

6 consecutive years of growth

Total shareholder yield

+7.4%

Next ex-dividend date: 2026-06-10

Performance

UBCP stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns UBCP?

Insider, institutional, and short-interest positioning.

Institutional ownership

+12.1%

Float: +83.8% of shares outstanding

Insider ownership

+9.3%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

UBCP momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

50.1

Neutral momentum band

Price vs 200-day MA

+11.6%

50/200-day relationship not available

Beta (5Y)

0.38

Less volatile than the market

Sharpe ratio

1.00

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

UBCP vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	减持
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	减持
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	减持

Questions

About UBCP

Hub-level FAQ points readers to the deeper analysis pages.

What is the current UBCP stock rating?

United Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full UBCP analysis?

The full report lives at /stocks/UBCP/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for UBCP?

The latest report frames UBCP around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the UBCP page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.