Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UBCP
HoldUnloved QualityUnited Bancorp, Inc. · Financial Services · United States · $90M · Avg Vol: $33K/d
59
StockRankGet insider-trade alerts
Q
54
V
56
M
44
P/E (TTM)
11.5x
ROE
12.1%
D/E
1.4x
Dividend %
4.9%
COMPANY DESCRIPTION
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28.5M | 29.9M | 29.3M | 32.5M | 4.5% | 33.0M | 33.2M | 35.4M | 4.4% |
| EPS | 1.50 | 1.57 | 1.27 | 1.34 | -3.7% | 1.38 | 1.35 | 1.62 | 10.0% |
| Shares | 5.7M | 5.7M | 5.8M | 5.8M | +0.3% | 5.7M | — | — | — |
| Debt | 23.7M | 101.6M | 101.7M | 101.9M | 62.5% | 111.3M | — | — | — |
| Equity | 59.7M | 63.6M | 63.5M | 70.5M | 5.7% | — | — | — | — |
| Op CF | 8.5M | 9.5M | 8.4M | 10.5M | 7.2% | 6.9M | — | — | — |
| Inv CF | -103.3M | -48.5M | -19.5M | -4.5M | — | — | — | — | — |
| Fin CF | 41.9M | 49.7M | -10.1M | 21.0M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+3.7%
SMA 50SMA 200
Close
$15.66
RSI (14)
40.4
52W High
$17.13
From 52W High
0.9%
SCORE BREAKDOWN
Quality
54
ROIC (ROA)
0.9%*34.1
ROE
12.1%61.4
GP/Assets
3.8%N/A
Op. Margin
25.4%41.6
FCF/Assets
-0.3%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
1.44xN/A
Current Ratio
bankN/A
Value
56
P/E (TTM)
11.5x59.8
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.4x42.1
P/S
2.8x64.0
Div Yield
4.9%63.4
Momentum
44
52W High %
91%52.2
RS 6M
-9%37.0
SMA 50/200
1.05x57.8
EPS Rev 4W
0.0%27.7
EPS Rev 12W
—N/A
EPS Improve
+17%46.4
Q Growth
10%39.1
FUNDAMENTALS
Market Cap
$90M
P/E (Forward)
9.8x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UBCP are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UBCP | United Bancorp, Inc.(you) | $90M | 59 | Hold |
| PBHC | Pathfinder Bancorp, Inc. | $101M | 56 | Hold |
| PROV | Provident Financial Holdings, Inc. | $115M | 59 | Hold |
| CPBI | Central Plains Bancshares, Inc. | $82M | 67 | Buy |
| BYFC | Broadway Financial Corporation | $114M | 52 | Hold |
| FSEA | First Seacoast Bancorp, Inc. | $81M | 49 | Hold |
| SFBC | Sound Financial Bancorp, Inc. | $120M | 67 | Buy |
| FDSB | Fifth District Bancorp, Inc. | $96M | 46 | Hold |
| AUBN | Auburn National Bancorporation, Inc. | $92M | 74 | Buy |
| RBKB | Rhinebeck Bancorp, Inc. | $197M | 60 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%