United Bancorp Inc

UBCP

14.000USD

-0.140-0.99%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

United Bancorp Inc's Score

Industry at a Glance

Industry Ranking

156 / 397

Overall Ranking

234 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Neutral

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 with 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 716.37K shares, decreasing 1.17% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 98.19K shares of this stock.

Lower Market Activity

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

Analyst Rating

Based on 1 analysts

Buy

Current Rating

20.000

Target Price

+41.44%

Upside Space

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

The current financial score of United Bancorp Inc is 6.45, ranking 271 out of 397 in the Banking Services industry. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 7.70M, representing a year-over-year increase of 8.91%, while its net profit experienced a year-over-year increase of 6.29%.

Score

Industry at a Glance

Previous score

6.45

Change

0



Financials

5.22

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

7.05

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.

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Operational Efficiency

6.75

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.

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Growth Potential

6.16

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.

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Shareholder Returns

7.04

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

The current valuation score of United Bancorp Inc is 8.34, ranking 105 out of 397 in the Banking Services industry. Its current P/E ratio is 10.62, which is 9.57% below the recent high of 11.63 and 41.29% above the recent low of 6.23.

Score

Industry at a Glance

Previous score

8.34

Change

0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 156/397

Relevant data have not been disclosed by the company yet.

The current earnings forecast score of United Bancorp Inc is 8.00, ranking 63 out of 397 in the Banking Services industry. The average price target 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

0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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

The current price momentum score of United Bancorp Inc is 6.90, ranking 357 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 14.72 and the support level at 13.35, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.08

Change

-0.18

Support & Resistance

Relevant data have not been disclosed by the company yet.

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of United Bancorp Inc is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 12.04%, representing a quarter-over-quarter increase of 2.19%. The largest institutional shareholder is The Vanguard, holding a total of 98.19K shares, representing 1.65% of shares outstanding, with 26.71% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

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

95.35K

+8.67%

Commonwealth Financial Services, LLC

85.38K

+1.21%

Greenwood (Randall M)

81.84K

+1.24%

Geode Capital Management, L.L.C.

53.22K

+1.45%

Branstetter Matthew Fredrick

48.05K

+0.71%

Dimensional Fund Advisors, L.P.

45.08K

--

Hoopingarner (John M)

44.46K

+2.13%

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The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of United Bancorp Inc is 4.41, ranking 325 out of 397 in the Banking Services industry. The company's beta value is 0.39. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.

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