United Bancorp (UBCP) Stock Price, News & Analysis

Company Overview

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

The Citizens Bank offers a range of deposit products, including checking, savings, money market, and certificate of deposit accounts. Its lending activities include residential and commercial real estate loans, consumer loans, agricultural financing, and loans to small and middle-market businesses. The bank also provides online and mobile banking, treasury management, mortgage, and other financial services.

United Bancorp primarily serves communities in eastern and southeastern Ohio through a network of banking offices, with additional operations serving nearby areas. The company emphasizes relationship-based banking and local decision-making. Its shares trade on the Nasdaq Capital Market under the symbol UBCP.

Key Stats

• Today's Range: $13.99 to $14.70
• 50-Day Range: $13.40 to $16.00
• 52-Week Range: $12.82 to $17.33
• Volume: 17,373 shs
• Average Volume: 8,605 shs
• Market Capitalization: $82.02 million
• P/E Ratio: 11.08
• Dividend Yield: 5.53%
• Price Target: N/A
• Consensus Rating: Hold

United Bancorp Stock Analysis - MarketRank™

United Bancorp scored higher than 58% of companies evaluated by MarketBeat, and ranked 559th 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 10.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorp is 10.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.34.

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: 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 5.43%, 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: 3.2 / 5
• News Sentiment: 1.14

News Sentiment

United Bancorp has a news sentiment score of 1.14. 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 0.65 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 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: 11/11/2026
• 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: 11.08
• 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: 1.73
• Cash Flow: $1.63 per share
• Price / Cash Flow: 8.76
• Book Value: $12.21 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 5,740,000
• Free Float: 4,940,000
• Market Cap: $82.02 million
• Optionable: Not Optionable
• Beta: 0.30