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United Bancorp Inc

UBCP

16.020USD

+0.360+2.30%

Close 03/30, 16:00（ET）Quotes delayed by 15 min

85.82MMarket Cap

11.91P/E TTM



United Bancorp Inc

16.020

+0.360+2.30%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-03-27

Key Insights

United Bancorp Inc's fundamentals are relatively stable, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 94 out of 400 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 20.00.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its 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

94 / 400

Overall Ranking

161 / 4542

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 31.02M.

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%.

Overvalued

The company’s latest PB is 1.39, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 717.38K 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

+27.71%

Upside Space

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

Financial Health

Currency: USD Updated: 2026-03-27

The current financial score of United Bancorp Inc is 6.57, ranking 254 out of 400 in the Banking Services industry. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 8.57M, representing a year-over-year increase of 17.86%, while its net profit experienced a year-over-year increase of 9.60%.

Score

Industry at a Glance

Previous score

6.57

Change



Financials

5.29

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

7.12

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

6.77

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

6.60

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

7.07

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

United Bancorp Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of United Bancorp Inc is 8.34, ranking 104 out of 400 in the Banking Services industry. Its current P/E ratio is 12.27, which is 5.14% below the recent high of 12.90 and 49.19% 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 94/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of United Bancorp Inc is 8.00, ranking 56 out of 400 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

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 1 analysts

Buy

Current Rating

20.000

Target Price

+21.21%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

307

Total

Median

Average

Company name

Ratings

Analysts

United Bancorp Inc

UBCP

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

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.

Price Momentum

Currency: USD Updated: 2026-03-27

The current price momentum score of United Bancorp Inc is 9.23, ranking 16 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 17.76 and the support level at 14.82, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.40

Change

1.83

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(1)

Neutral(3)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.156

Buy

RSI(14)

61.862

Neutral

STOCH(KDJ)(9,3,3)

66.861

Neutral

ATR(14)

0.779

High Vlolatility

CCI(14)

84.739

Neutral

Williams %R

28.492

Buy

TRIX(12,20)

0.482

Sell

StochRSI(14)

38.578

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

16.444

Sell

MA10

16.013

Buy

MA20

15.581

Buy

MA50

14.708

Buy

MA100

14.100

Buy

MA200

13.939

Buy

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of United Bancorp Inc is 3.00, ranking 251 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 12.05%, representing a quarter-over-quarter increase of 2.33%. The largest institutional shareholder is The Vanguard, holding a total of 98.19K shares, representing 1.71% of shares outstanding, with 31.01% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

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%

Risk Assessment

Currency: USD Updated: 2026-03-27

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 323 out of 400 in the Banking Services industry. The company's beta value is 0.35. 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.