United Bancorp, Inc.

United Bancorp, Inc.

UBCP
United Bancorp, Inc.US flagNASDAQ Capital Market
15.43
USD
-0.09
- -
89.20MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.78
3.63
3.62
3.78
3.88
4.4
4.49
5.44
5.08
5.19
5.44
5.28
5.91
5.99
Basic EPS, GAAP
0.54
0.55
0.66
0.72
0.71
0.86
1.23
1.45
1.73
1.58
1.63
1.34
1.41
1.42
Free Cash Flow per Basic Share
1.22
0.8
0.61
0.39
0.76
1
1.32
1.25
1.35
1.45
1.53
-0.23
-0.24
-0.46
Dividend per Share
0.32
0.37
0.47
0.52
0.56
0.65
0.58
0.61
0.75
0.83
0.87
0.92
1
1.01
Book Value per Share
5.19
5.34
5.52
5.69
5.76
6.11
6.13
7.04
8.02
8.75
9.12
9.48
9.98
9.94
Tangible Book Value per Share
8.04
8.32
8.54
8.69
8.81
9.88
10.56
12.22
12.86
10.7
11.41
11.31
12.72
12.17
Basic Weighted Avg Shares
5
5
5
5
5
5
6
5
5
5
5
6
5
5
Sales/Revenue/Turnover
18
18
18
19
19
22
25
30
28
28
30
29
32
33
Operating Margin (%)
16.32
20.3
25.91
27.84
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
3
3
3
4
4
4
7
8
9
9
9
7
8
8
Effective Tax Rate (%)
11.99
25.83
29.27
30.62
36.57
15.74
8.08
7.33
11.52
9.22
5.7
- -
- -
1.14
Profit Margin (%)
14.36
15.06
18.33
19.32
18.34
19.66
27.46
26.68
33.97
30.41
29.94
25.3
23.87
23.69
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
31
31
31
44
14
4
63
24
24
24
102
102
102
82
Total Equity
39
40
41
43
44
51
60
68
72
60
64
63
71
67
Return on Invested Capital (%)
3.28
3.49
4.18
4.35
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
10.68
10.43
12.24
12.97
12.53
14.53
21.24
21.97
22.93
18.84
18.25
14.43
14.45
14.59

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
99
99
79
LT Finance Leases
3
3
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
77
79
84

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
178
161
145
Accounts Receivable, Net
4
4
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.9%
1.12%
11.12%
Free Cash Flow
4.58%
-17.6%
6.01%
Net Income, GAAP
10.79%
0.25%
4.74%
Sales/Revenue/Turnover
6.6%
1.91%
11%
Total Cash Common Dividend
9.44%
10.45%
7.26%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
7
7
8
29
2025
8
8
8
9
32
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.31
0.32
0.33
1.34
2025
0.34
0.35
0.35
0.37
1.41
2026
0.35
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.18
0.19
0.19
0.92
2025
0.38
0.2
0.2
0.21
1
2026
0.4
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Scott A. Everson
Full Time Employees
125
Sector
Financial Services
Industry
Banks - Regional
Address
201 South Fourth Street Martins Ferry OH United States of America 43935
IPO Date
Mar 2, 1993
Business
United Bancorp, Inc. (NASDAQ: UBCP) operates as a bank holding company for its wholly owned subsidiary, Unified Bank, providing commercial and retail banking services primarily in eastern Ohio. Founded in 1902 and headquartered in Martins Ferry, Ohio, the company offers a broad range of deposit products, including demand, savings, and time deposits; and extends commercial, real estate, and consumer loans to individuals, businesses, and local municipalities. Unified Bank maintains 18 banking offices serving customers in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties in Ohio, as well as Marshall County in West Virginia. The company focuses on relationship banking within the regional banking sector, targeting retail consumers, small to mid-sized businesses, and public sector entities in its operational footprint. United Bancorp trades on the NASDAQ Capital Market tier as part of the Russell Microcap Index and employs approximately 126 people. In recent developments, United Bancorp reports strong financial performance, with net income of $1,931,000 and diluted earnings per share of $0.34 for the third quarter of 2025, alongside year-to-date net income of $5,717,000 for the first nine months, reflecting a 3.0% increase. The board declared a fourth quarter 2025 cash dividend of $0.1875 per share in November 2025, boosting the forward yield to 5.2%, and increased the third quarter dividend earlier in the year. Shares rose 4.3% following the Q3 2025 earnings release, driven by year-over-year earnings growth and robust loan expansion.

Company News

APIChatGPT
  • OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now?

  • United Bancorp's Q1 Earnings Rise 3% Y/Y on Deposit Growth

  • United Bancorp, Inc. Reports 2026 First Quarter Earnings Performance

  • United Bancorp Rallies 27% in a Year: Should You Buy the Stock?

  • United Bancorp, Inc. Increases its Second Quarter Cash Dividend Payment to $0.1950 per Share, which produces a Forward Yield of 5.13%, and Reports on Annual Shareholder Meeting

  • Comparing Independent Bank (NASDAQ:IBCP) & United Bancorp (NASDAQ:UBCP)

  • United Bancorp (NASDAQ:UBCP) Stock Passes Above 200-Day Moving Average – Time to Sell?

  • Critical Comparison: Farmers National Banc (NASDAQ:FMNB) and United Bancorp (NASDAQ:UBCP)

  • United Bancorp, Inc. Declares a Quarterly Cash Dividend of $0.1925 per Common Share Producing a Forward Yield of 5.6% and Announces a Special Dividend Payment of $0.1750 per Common Share

  • United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand

  • United Bancorp, Inc. Reports Respective Increases in Earnings for the 2025 Fourth Quarter and Twelve Months Ended December 31, 2025

  • OVBC vs. UBCP: Which Bank Stock Deserves a Spot in Your Portfolio?

  • UMB Financial (NASDAQ:UMBF) & United Bancorp (NASDAQ:UBCP) Head-To-Head Contrast

  • United Bancorp, Inc. Increases its Fourth Quarter Cash Dividend Payment to $0.19 per Share, which produces a Forward Yield of 5.4%

  • UBCP Stock Rises 4% as Q3 Earnings Rise Y/Y on Strong Loan Growth

  • United Bancorp, Inc. Reports Respective Increases in 2025 Third Quarter and Nine-Month Earnings

  • United Bancorp, Inc. Increases its Third Quarter Cash Dividend Payment to $0.1875 per Share, which produces a Forward Yield of 5.2%

  • United Bancorp's Q2 Earnings Grow Y/Y on Loan Expansion

  • United Bancorp, Inc. Reports 2025 Second Quarter and Six-Month Earnings Performance

  • Zacks Initiates Coverage of United Bancorp With Neutral Recommendation