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United Bancorp, Inc.

United Bancorp, Inc.

UBCP
United Bancorp, Inc.US flagNASDAQ Capital Market
15.43
USD
-0.09
- -
89.20MMarket Cap

Total Valuation

United Bancorp, Inc. carries a market capitalization of 89.20M, placing it among publicly traded companies globally. Its enterprise value stands at 20.23M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap89.20M
Enterprise Value20.23M

Share Statistics

United Bancorp, Inc. currently has 5.78M shares outstanding.

Shares Outstanding5.78M
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

United Bancorp, Inc. trades at a trailing price-to-earnings ratio of 10.72. The price-to-sales ratio is 2.54, and the price-to-book ratio stands at 1.53.

PE Ratio10.72
PS Ratio2.54
PB Ratio1.53
P/TBV Ratio1.25
P/FCF Ratio3.83
P/OCF Ratio8.65

Enterprise Valuation

On an enterprise value basis, United Bancorp, Inc. trades at an EV/EBITDA multiple of 14.13 and an EV/FCF ratio of 0.93.

EV / Sales0.62
EV / EBITDA14.13
EV / EBITN/A
EV / FCF0.93

Financial Position

Current RatioN/A
Quick RatioN/A
Debt / Equity121.31
Debt / EBITDA57.18
Interest CoverageN/A

Financial Efficiency

Return on Equity (ROE)14.59
Return on Assets (ROA)0.92
Return on Invested Capital (ROIC)N/A
Return on Capital Employed (ROCE)N/A
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, United Bancorp, Inc. has paid -220,000.00 in income taxes, reflecting an effective tax rate of 1.14.

Income Tax-220,000.00
Effective Tax Rate1.14

Stock Price Statistics

United Bancorp, Inc.'s stock has gained approximately 9.20028% over the past 52 weeks. The 50-day moving average sits at 15.61, while the 200-day moving average is 14.69.

Beta (5Y)N/A
52-Week Price Change9.20028%
50-Day Moving Average15.61
200-Day Moving Average14.69
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, United Bancorp, Inc. generated 32.89M in revenue and converted that into 7.79M in net income, yielding earnings per share of 1.42.

Revenue32.89M
Gross ProfitN/A
Operating IncomeN/A
Pretax Income7.57M
Net Income7.79M
EBITDA1.43M
EBITN/A
Earnings Per Share (EPS)1.42

Balance Sheet

United Bancorp, Inc. holds 145.16M in cash and equivalents against 81.88M in total debt, resulting in a net debt position of 51.68M.

Cash & Cash Equivalents145.16M
Total Debt81.88M
Net Debt51.68M
Equity (Book Value)54.55M
Book Value Per Share9.94
Working CapitalN/A

Cash Flow

United Bancorp, Inc. produced 9.66M in operating cash flow over the past twelve months. After subtracting -12.16M in capital expenditures, free cash flow totaled -2.51M - equivalent to -0.46 per share.

Operating Cash Flow9.66M
Capital Expenditures-12.16M
Free Cash Flow-2.51M
FCF Per Share-0.46

Margins

United Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.

Gross Margin100.00
Operating MarginN/A
Pretax Margin23.02
Profit Margin23.69
EBITDA Margin4.35

Dividends & Yields

The company's payout ratio of 71.19 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share1.01
Dividend YieldN/A
Payout Ratio71.19
Shareholder Yield-17.29
FCF Yield26.13

Stock Splits

United Bancorp, Inc.'s most recent stock split took place on November 29, 2006 with a 10:11 split ratio.

Last Split Date11/29/2006
Split Ratio10:11

Scores

United Bancorp, Inc. posts an Altman Z-Score of 0.18, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.18