United Bancorp (UBCP) Stock Price, News & Analysis

Company Overview

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company provides range of banking and financial services, which includes accepting demand, savings, and time deposits. It also offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Key Stats

• Today's Range: $15.70 to $16.34
• 50-Day Range: $14.25 to $16.57
• 52-Week Range: $12.47 to $17.33
• Volume: 38,138 shs
• Average Volume: 9,827 shs
• Market Capitalization: $94.46 million
• P/E Ratio: 12.10
• Dividend Yield: 4.77%
• Price Target: N/A
• Consensus Rating: Buy

United Bancorp Stock Analysis - MarketRank™

United Bancorp scored higher than 77% of companies evaluated by MarketBeat, and ranked 343rd out of 883 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

United Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, 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 12.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorp is 12.04, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Book Value per Share Ratio

United Bancorp has a P/B Ratio of 1.33. 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

0.18% 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 2.35, 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 1.28%, 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 4.79%, 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 57.78%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 4.3 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

4 insiders have purchased shares of United Bancorp in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $108,914.00 in company stock, which represents 0.1159% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, United Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $108,914.00 in company stock and sold $0.00 in 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

• Record date for 3/20 Dividend: 3/10/2026
• Ex-Dividend for 3/20 Dividend: 3/10/2026
• Dividend Payable: 3/20/2026
• Last Earnings: 5/07/2026
• Today: 6/09/2026
• Record date for 6/19 Dividend: 6/10/2026
• Ex-Dividend for 6/19 Dividend: 6/10/2026
• Dividend Payable: 6/19/2026
• Next Earnings (Estimated): 8/05/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UBCP
• CIK: 731653
• Web: www.unitedbancorp.com
• Phone: (740) 633-0445
• Fax: 740-633-1448
• Employees: 120
• Year Founded: 1974

Profitability

• EPS (Trailing Twelve Months): $1.35
• Trailing P/E Ratio: 11.96
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.75 million
• Net Margins: 16.29%
• Pretax Margin: 15.83%
• Return on Equity: 11.80%
• Return on Assets: 0.91%

Debt

• Debt-to-Equity Ratio: 1.17
• Current Ratio: 0.75
• Quick Ratio: 0.75

Sales & Book Value

• Annual Sales: $32.89 million
• Price / Sales: 2.84
• Cash Flow: $1.69 per share
• Price / Cash Flow: 9.58
• Book Value: $12.21 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 5,781,000
• Free Float: 4,980,000
• Market Cap: $93.36 million
• Optionable: Not Optionable
• Beta: 0.33