United Bancorp (UBCP) Stock Price, News & Analysis

Company Overview

United Bancorp, Inc. is a bank holding company headquartered in Martins Ferry, Ohio. Through its banking subsidiary, The Citizens Bank, the company provides community banking services to individuals, families, farmers, small businesses and other commercial customers.

The Citizens Bank offers a range of deposit products, including checking, savings, money market accounts and certificates of deposit. Its lending activities include residential and commercial real estate loans, consumer loans, home equity financing, agricultural loans and other business credit products. The bank also provides electronic banking, mobile banking, debit card and other financial services.

United Bancorp primarily serves communities in eastern and southeastern Ohio through a network of banking offices and related delivery channels. The company emphasizes relationship-based banking and local decision-making. Scott Everson serves as the company’s President and Chief Executive Officer.

Key Stats

• Today's Range: $14.11 to $14.75
• 50-Day Range: $14.06 to $16.20
• 52-Week Range: $12.55 to $17.33
• Volume: 3,940 shs
• Average Volume: 8,198 shs
• Market Capitalization: $81.21 million
• P/E Ratio: 10.26
• Dividend Yield: 5.58%
• Price Target: N/A
• Consensus Rating: Hold

United Bancorp Stock Analysis - MarketRank™

United Bancorp scored higher than 52% of companies evaluated by MarketBeat, and ranked 573rd out of 836 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

United Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

United Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bancorp is 10.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.73.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorp is 10.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.83.

Price to Book Value per Share Ratio

United Bancorp has a P/B Ratio of 1.16. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.15% of the float of United Bancorp has been sold short.

Short Interest Ratio / Days to Cover

United Bancorp has a short interest ratio ("days to cover") of 2.52, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bancorp has recently decreased by 3.56%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bancorp is a leading dividend payer. It pays a dividend yield of 5.62%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

United Bancorp has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of United Bancorp is 57.25%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: N/A

News Sentiment

United Bancorp has a news sentiment score of 1.04. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.58 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for United Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

13.86% of the stock of United Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

15.42% of the stock of United Bancorp is held by institutions.

Company Calendar

• Last Earnings: 7/24/2026
• Record date for 9/18 Dividend: 9/10/2026
• Ex-Dividend for 9/18 Dividend: 9/10/2026
• Dividend Payable: 9/18/2026
• Today: 10/07/2026
• Next Earnings (Estimated): 11/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UBCP
• CIK: 731653
• Web: www.unitedbancorp.com
• Phone: (740) 633-0445
• Fax: 740-633-1448
• Employees: 133
• Year Founded: 1974

Profitability

• EPS (Trailing Twelve Months): $1.38
• Trailing P/E Ratio: 10.26
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.75 million
• Net Margins: 16.55%
• Pretax Margin: 15.98%
• Return on Equity: 11.53%
• Return on Assets: 0.92%

Debt

• Debt-to-Equity Ratio: 1.10
• Current Ratio: 0.76
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $47.51 million
• Price / Sales: 1.71
• Cash Flow: $1.67 per share
• Price / Cash Flow: 8.47
• Book Value: $12.21 per share
• Price / Book: 1.16

Miscellaneous

• Outstanding Shares: 5,740,000
• Free Float: 4,940,000
• Market Cap: $81.28 million
• Optionable: Not Optionable
• Beta: 0.31