United Bancorp (UBCP) Stock Price, News & Analysis

Company Overview

United Bancorp, Inc. is a bank holding company headquartered in Martins Ferry, Ohio, and the parent company of Unified Bank. Through the bank, it serves individuals, businesses and communities in eastern Ohio and nearby West Virginia.

Unified Bank offers deposit accounts, including checking and savings, along with consumer, mortgage and commercial lending. Its services also include digital banking and other financial services for personal and business customers.

The company focuses on community banking, combining local banking services with the resources of a regional institution.

Key Stats

• Today's Range: $14.16 to $14.59
• 50-Day Range: $13.40 to $16.00
• 52-Week Range: $12.82 to $17.33
• Volume: 26,211 shs
• Average Volume: 8,680 shs
• Market Capitalization: $83.57 million
• P/E Ratio: 11.29
• Dividend Yield: 5.43%
• Price Target: N/A
• Consensus Rating: Hold

United Bancorp Stock Analysis - MarketRank™

United Bancorp scored higher than 53% of companies evaluated by MarketBeat, and ranked 616th out of 852 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 11.29, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorp is 11.29, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.53.

Price to Book Value per Share Ratio

United Bancorp has a P/B Ratio of 1.19. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.12% 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 0.93, 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 9.64%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bancorp is a leading dividend payer. It pays a dividend yield of 5.53%, 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 61.24%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.71

News Sentiment

United Bancorp has a news sentiment score of 0.71. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles 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

• Record date for 9/18 Dividend: 9/10/2026
• Ex-Dividend for 9/18 Dividend: 9/10/2026
• Dividend Payable: 9/18/2026
• Last Earnings: 11/06/2026
• Today: 11/13/2026
• 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): $1.29
• Trailing P/E Ratio: 11.29
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.75 million
• Net Margins: 15.14%
• Pretax Margin: 15.98%
• Return on Equity: 10.63%
• Return on Assets: 0.86%

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: 1.76
• Cash Flow: $1.69 per share
• Price / Cash Flow: 8.61
• Book Value: $12.21 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 5,740,000
• Free Float: 4,940,000
• Market Cap: $83.57 million
• Optionable: Not Optionable
• Beta: 0.30