United Bancorp (UBCP) Stock Price, News & Analysis

Company Overview

United Bancorp, Inc. is a bank holding company headquartered in Martins Ferry, Ohio. Through its wholly owned subsidiary, Unified Bank, the company provides community banking services to individuals, families, businesses and public-sector organizations.

Unified Bank offers a range of traditional banking products, including checking and savings accounts, certificates of deposit, residential and commercial real estate loans, consumer loans, business financing and agricultural loans. The bank also provides electronic banking, cash-management and other financial services designed to support personal and business customers.

United Bancorp serves communities in eastern Ohio and the Northern Panhandle of West Virginia through a network of banking offices. 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: $15.36 to $15.88
• 50-Day Range: $14.96 to $16.20
• 52-Week Range: $12.47 to $17.33
• Volume: 1,097 shs
• Average Volume: 8,481 shs
• Market Capitalization: $89.54 million
• P/E Ratio: 11.30
• Dividend Yield: 5.06%
• Price Target: N/A
• Consensus Rating: Buy

United Bancorp Stock Analysis - MarketRank™

United Bancorp scored higher than 52% of companies evaluated by MarketBeat, and ranked 595th out of 851 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 11.12, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorp is 11.12, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.22.

Price to Book Value per Share Ratio

United Bancorp has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

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 5.74.

Change versus previous month

Short interest in United Bancorp has recently increased by 10.20%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bancorp is a leading dividend payer. It pays a dividend yield of 5.10%, 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: 3.7 / 5
• News Sentiment: 1.90

News Sentiment

United Bancorp has a news sentiment score of 1.90. 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 0.82 average news sentiment score 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 6/19 Dividend: 6/10/2026
• Ex-Dividend for 6/19 Dividend: 6/10/2026
• Dividend Payable: 6/19/2026
• Last Earnings: 7/24/2026
• Record date for 9/18 Dividend: 9/10/2026
• Ex-Dividend for 9/18 Dividend: 9/10/2026
• Today: 9/17/2026
• Dividend Payable: 9/18/2026
• 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: 11.47
• 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: 1.91
• Cash Flow: $1.69 per share
• Price / Cash Flow: 9.34
• Book Value: $12.21 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 5,740,000
• Free Float: 4,940,000
• Market Cap: $90.86 million
• Optionable: Not Optionable
• Beta: 0.32