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United Bancorp Inc

UBCP

12.840USD

+0.290+2.31%

Market hours （ET）Quotes delayed by 15 min

76.48MMarket Cap

10.79P/E TTM



United Bancorp Inc

12.840

+0.290+2.31%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of United Bancorp Inc

Currency: USD Updated: 2025-11-05

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

United Bancorp Inc's Score

Industry at a Glance

Industry Ranking

131 / 407

Overall Ranking

208 / 4616

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 1 analysts

Buy

Current Rating

20.000

Target Price

+56.86%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

United Bancorp Inc Highlights

StrengthsRisks

United Bancorp, Inc. is a bank holding company. The Company has one wholly owned subsidiary bank, Unified Bank, Martins Ferry, Ohio (the Bank). The Bank serves customers in northeastern, eastern, southeastern and south-central Ohio and the Northern panhandle of West Virginia and is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The bank also operates in Marshall County West Virginia. The Bank provides a range of banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. The Bank's loan portfolio includes commercial loans, commercial real estate loans, residential real estate loans and installment loans. The Bank conducts its business through its main office and standalone operations center in Martins Ferry, Ohio and about 18 branches located in the counties.

Growing

The company is in a growing phase, with the latest annual income totaling USD 28.16M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 72.40%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 72.40%.

Fairly Valued

The company’s latest PB is 1.25, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 670.90K shares, decreasing 8.40% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 87.74K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.60.

Financial Health

Currency: USD Updated: 2025-11-05

The company's current financial score is 7.91, which is higher than the Banking Services industry's average of 7.05. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 7.54M, representing a year-over-year increase of 5.93%, while its net profit experienced a year-over-year increase of 10.07%.

Score

Industry at a Glance

Previous score

7.91

Change



Financials

4.81

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.63

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.13

Key Metrics

Free cash flow

No Data

United Bancorp Inc's Company Valuation

Currency: USD Updated: 2025-11-05

The company’s current valuation score is 8.34, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 9.74, which is 19.44% below the recent high of 11.63 and 35.99% above the recent low of 6.23.

Score

Industry at a Glance

Previous score

8.34

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 131/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-05

The company’s current earnings forecast score is 8.00, which is higher than the Banking Services industry's average of 7.41. The average price target for United Bancorp Inc is 20.00, with a high of 20.00 and a low of 20.00.

Score

Industry at a Glance

Previous score

8.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 1 analysts

Buy

Current Rating

20.000

Target Price

+56.86%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

United Bancorp Inc

UBCP

Bank of America Corp

BAC

Wells Fargo & Co

WFC

JPMorgan Chase & Co

JPM

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-05

The company’s current price momentum score is 6.07, which is lower than the Banking Services industry's average of 7.66. Sideways: Currently, the stock price is trading between the resistance level at 13.57 and the support level at 12.04, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

5.81

Change

0.26

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(5)

Neutral(1)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

-0.008

Sell

RSI(14)

34.127

Neutral

STOCH(KDJ)(9,3,3)

17.723

Sell

ATR(14)

0.193

Low Volatility

CCI(14)

-184.695

Sell

Williams %R

100.000

Oversold

TRIX(12,20)

-0.246

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

12.913

Sell

MA10

12.959

Sell

MA20

13.055

Sell

MA50

13.667

Sell

MA100

13.916

Sell

MA200

13.468

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-05

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 11.62%, representing a quarter-over-quarter decrease of 55.23%. The largest institutional shareholder is The Vanguard, holding a total of 87.74K shares, representing 1.52% of shares outstanding, with 26.71% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

United Bancorp, Inc. ESOP

394.28K

+4.63%

Everson (Scott A)

140.81K

+1.59%

Glessner (Gary W)

100.53K

+3.60%

The Vanguard Group, Inc.

Star Investors

87.74K

+12.96%

Commonwealth Financial Services, LLC

84.36K

+2.30%

Greenwood (Randall M)

81.84K

+1.24%

Geode Capital Management, L.L.C.

52.46K

+0.06%

Branstetter Matthew Fredrick

48.05K

+0.71%

Post Resch Tallon Group, Inc.

45.42K

Dimensional Fund Advisors, L.P.

45.08K

+3.75%

Risk Assessment

Currency: USD Updated: 2025-11-05

The company’s current risk assessment score is 3.95, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.42. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.