Symbols / UBCP Stock $15.51 -0.83% United Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
UBCP (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Scott A. Everson
Exch · Country NCM · United States
Market Cap 92.69M
Enterprise Value 153.16M
Income 7.42M
Sales 32.28M
FCF (ttm) —
Book/sh 12.25
Cash/sh 4.70
Employees 125
Insider 10d —
IPO Mar 02, 1993
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 55.93%
P/E 11.49
Forward P/E 9.69
PEG —
P/S 2.87
P/B 1.27
P/C —
EV/EBITDA —
EV/Sales 4.75
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.35
EPS next Y 1.60
EPS Growth 3.80%
Revenue Growth 6.40%
EPS Gr Q/Q 2.10%
Rev Gr Q/Q —
Earnings (next) 2026-02-05
Earnings (prior) 2026-02-05
ROA 0.92%
ROE 12.15%
ROIC —
Gross Margin 0.00%
Oper. Margin 22.14%
Profit Margin 24.14%
Shs Outstand 5.98M
Shs Float 4.85M
Insider Own 15.92%
Instit Own 12.99%
Short Float 0.17%
Short Ratio 0.40
Short Interest 8.94K
52W High 17.34
vs 52W High -10.55%
52W Low 12.25
vs 52W Low 26.61%
Beta —
Impl. Vol. —
Rel Volume 0.14
Avg Volume 12.35K
Volume 1.71K
Target (mean) $20.00
Tgt Median $20.00
Tgt Low $20.00
Tgt High $20.00
# Analysts 1
Recom None
Prev Close $15.64
Price $15.51
Change -0.83%
About

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$20.00
Mean price target
2. Current target
$15.51
Latest analyst target
3. DCF / Fair value
$20.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$15.51
Low
$20.00
High
$20.00
Mean
$20.00
News
RSS: Latest UBCP news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-05-22 HOOPINGARNER JOHN M Director — 927 $13.62 $12,626
2025-05-22 GREENWOOD RANDALL M Chief Financial Officer — 1,006 $13.62 $13,702
2025-05-22 EVERSON SCOTT A Chief Executive Officer — 2,197 $13.62 $29,923
2025-05-22 GLESSNER GARY W Director — 3,497 $13.62 $47,629
2025-05-22 BRANSTETTER MATTHEW FREDRICK Chief Operating Officer — 339 $13.62 $4,617
2025-05-22 SCHUNN BETHANY E. Director — 836 $13.62 $11,386
2025-05-22 HENDERSHOT BRIAN M. Director — 2,207 $13.62 $30,059
2024-06-21 HOOPINGARNER JOHN M Director — 872 $12.33 $10,752
2024-06-21 GREENWOOD RANDALL M Chief Financial Officer — 1,050 $12.33 $12,946
2024-06-21 EVERSON SCOTT A Chief Executive Officer — 2,092 $12.33 $25,794
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
32.48
+11.00%
29.26
-2.10%
29.89
+4.98%
28.47
Operating Revenue
32.48
+11.00%
29.26
-2.10%
29.89
+4.98%
28.47
Selling General And Administration
13.39
+16.46%
11.50
-1.11%
11.63
+1.87%
11.42
Selling And Marketing Expense
0.53
+24.47%
0.42
+17.73%
0.36
+4.34%
0.35
General And Administrative Expense
12.87
+16.15%
11.08
-1.71%
11.27
+1.80%
11.07
Salaries And Wages
11.82
+17.28%
10.08
-1.84%
10.27
-0.32%
10.30
Other Gand A
—
—
—
—
Reconciled Depreciation
1.35
+9.68%
1.23
+7.15%
1.15
-1.38%
1.16
Net Income
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Pretax Income
7.67
+5.10%
7.29
-23.14%
9.49
-0.47%
9.54
Net Interest Income
26.09
+6.88%
24.42
-4.55%
25.58
+5.49%
24.25
Interest Expense
15.03
+2.09%
14.72
+33.66%
11.01
+236.51%
3.27
Interest Income
41.12
+5.08%
39.14
+6.95%
36.59
+32.97%
27.52
Gain On Sale Of Security
0.84
+825.00%
-0.12
0.00
0.00
Tax Provision
-0.09
+19.63%
-0.11
-119.78%
0.54
-38.45%
0.88
Tax Rate For Calcs
0.00
+0.00%
0.00
+268.42%
0.00
-38.04%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Net Income From Continuing Operation Net Minority Interest
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Net Income From Continuing And Discontinued Operation
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Net Income Continuous Operations
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Normalized Income
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Net Income Common Stockholders
7.38
+4.57%
7.06
-17.82%
8.59
+3.92%
8.27
Otherunder Preferred Stock Dividend
0.37
+8.24%
0.34
-4.76%
0.36
-7.99%
0.39
Diluted EPS
—
1.27
-19.11%
1.57
+4.67%
1.50
Basic EPS
—
1.27
-19.11%
1.57
+4.67%
1.50
Basic Average Shares
—
5.54
+0.90%
5.49
+0.13%
5.48
Diluted Average Shares
—
5.54
+0.90%
5.49
+0.13%
5.48
Diluted NI Availto Com Stockholders
7.38
+4.57%
7.06
-17.82%
8.59
+3.92%
8.27
Amortization
0.12
-18.67%
0.15
+0.00%
0.15
+0.00%
0.15
Amortization Of Intangibles Income Statement
0.12
-18.67%
0.15
+0.00%
0.15
+0.00%
0.15
Depreciation Amortization Depletion Income Statement
0.12
-18.67%
0.15
+0.00%
0.15
+0.00%
0.15
Depreciation And Amortization In Income Statement
0.12
-18.67%
0.15
+0.00%
0.15
+0.00%
0.15
Insurance And Claims
1.04
+4.73%
0.99
-0.40%
1.00
+30.29%
0.77
Occupancy And Equipment
2.55
+10.09%
2.32
+12.31%
2.06
-6.90%
2.22
Other Non Interest Expense
6.51
+10.82%
5.88
+5.40%
5.58
+19.79%
4.66
Professional Expense And Contract Services Expense
1.67
-8.47%
1.82
+27.47%
1.43
-1.65%
1.45
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
857.45
+4.99%
816.66
-0.34%
819.45
+8.19%
757.40
Cash And Cash Equivalents
46.53
+137.29%
19.61
-51.91%
40.77
+35.54%
30.08
Cash Financial
9.38
+14.81%
8.17
+11.14%
7.35
-11.20%
8.28
Other Short Term Investments
114.80
-3.71%
119.23
-29.85%
169.96
-21.90%
217.62
Receivables
3.98
-7.87%
4.32
+5.47%
4.10
+20.42%
3.40
Accounts Receivable
3.98
-7.87%
4.32
+5.47%
4.10
+20.42%
3.40
Net PPE
34.09
+44.48%
23.60
+57.49%
14.98
+23.39%
12.14
Gross PPE
62.24
+23.09%
50.56
+23.72%
40.87
+6.10%
38.52
Accumulated Depreciation
-28.15
-4.38%
-26.97
-4.17%
-25.89
+1.85%
-26.38
Properties
41.53
+30.90%
31.73
+38.38%
22.93
+11.88%
20.49
Machinery Furniture Equipment
20.71
+9.94%
18.84
+4.98%
17.94
-0.46%
18.03
Goodwill And Other Intangible Assets
0.68
-15.17%
0.80
-14.65%
0.94
-13.74%
1.09
Goodwill
0.68
+0.00%
0.68
+0.00%
0.68
+0.00%
0.68
Other Intangible Assets
—
0.12
-53.08%
0.26
-36.59%
0.41
Investments And Advances
114.80
-3.71%
119.23
-29.85%
169.96
-21.90%
217.62
Total Liabilities Net Minority Interest
786.93
+4.48%
753.20
-0.35%
755.86
+8.34%
697.66
Payables And Accrued Expenses
—
—
—
5.92
Payables
—
—
—
5.92
Accounts Payable
—
—
—
5.92
Long Term Debt And Capital Lease Obligation
101.87
+0.14%
101.72
+0.17%
101.55
+328.02%
23.73
Long Term Debt
98.91
+0.06%
98.85
+0.06%
98.79
+316.37%
23.73
Long Term Capital Lease Obligation
2.96
+2.96%
2.87
+3.94%
2.76
—
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
70.52
+11.12%
63.46
-0.21%
63.59
+6.45%
59.74
Common Stock Equity
70.52
+11.12%
63.46
-0.21%
63.59
+6.45%
59.74
Capital Stock
6.21
+0.16%
6.20
+2.29%
6.06
+0.33%
6.04
Common Stock
6.21
+0.16%
6.20
+2.29%
6.06
+0.33%
6.04
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
6.21
+0.16%
6.20
+2.30%
6.06
+0.33%
6.04
Ordinary Shares Number
5.76
-0.63%
5.79
+1.59%
5.70
-0.65%
5.74
Treasury Shares Number
0.46
+11.42%
0.41
+13.39%
0.36
+18.96%
0.30
Additional Paid In Capital
27.07
+2.65%
26.37
+1.78%
25.91
+4.43%
24.81
Retained Earnings
48.58
+4.90%
46.31
+5.20%
44.02
+4.94%
41.95
Gains Losses Not Affecting Retained Earnings
-5.35
+47.02%
-10.10
-35.06%
-7.48
+19.90%
-9.34
Treasury Stock
3.56
+9.76%
3.25
+26.83%
2.56
+40.10%
1.83
Other Equity Adjustments
-5.35
+47.02%
-10.10
-35.06%
-7.48
+19.90%
-9.34
Total Equity Gross Minority Interest
70.52
+11.12%
63.46
-0.21%
63.59
+6.45%
59.74
Total Capitalization
169.42
+4.39%
162.30
-0.05%
162.38
+94.55%
83.46
Invested Capital
169.42
+4.39%
162.30
-0.05%
162.38
+94.55%
83.46
Total Debt
101.87
+0.14%
101.72
+0.17%
101.55
+328.02%
23.73
Net Debt
52.38
-33.89%
79.24
+36.58%
58.02
—
Capital Lease Obligations
2.96
+2.96%
2.87
+3.94%
2.76
—
Net Tangible Assets
69.83
+11.46%
62.65
+0.00%
62.65
+6.83%
58.65
Tangible Book Value
69.83
+11.46%
62.65
+0.00%
62.65
+6.83%
58.65
Cash Cash Equivalents And Federal Funds Sold
46.53
+137.29%
19.61
-51.91%
40.77
+35.54%
30.08
Other Equity Interest
-2.43
-16.99%
-2.08
+12.06%
-2.36
-24.24%
-1.90
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
10.46
+23.77%
8.45
-10.73%
9.46
+11.58%
8.48
Cash Flow From Continuing Operating Activities
10.46
+23.77%
8.45
-10.73%
9.46
+11.58%
8.48
Net Income From Continuing Operations
7.75
+4.74%
7.40
-17.30%
8.95
+3.38%
8.66
Depreciation Amortization Depletion
1.35
+9.68%
1.23
+7.15%
1.15
-1.38%
1.16
Depreciation
1.23
+13.62%
1.08
+8.22%
1.00
-1.58%
1.01
Amortization Cash Flow
0.12
-18.67%
0.15
+0.00%
0.15
+0.00%
0.15
Depreciation And Amortization
1.35
+9.68%
1.23
+7.15%
1.15
-1.38%
1.16
Amortization Of Intangibles
0.12
-18.67%
0.15
+0.00%
0.15
+0.00%
0.15
Other Non Cash Items
0.61
+48.43%
0.41
+358.89%
0.09
-7.22%
0.10
Stock Based Compensation
0.36
-59.62%
0.88
+34.35%
0.66
-34.53%
1.00
Deferred Tax
-0.63
+29.98%
-0.90
-7053.85%
0.01
-96.20%
0.34
Deferred Income Tax
-0.63
+29.98%
-0.90
-7053.85%
0.01
-96.20%
0.34
Operating Gains Losses
-0.57
-59.05%
-0.36
-2011.76%
-0.02
-30.77%
-0.01
Gain Loss On Investment Securities
-0.84
-825.00%
0.12
0.00
0.00
Change In Working Capital
0.54
+150.23%
-1.08
+24.72%
-1.44
+38.84%
-2.35
Change In Receivables
0.37
+245.67%
-0.25
+63.45%
-0.69
+34.31%
-1.06
Changes In Account Receivables
0.37
+245.67%
-0.25
+63.45%
-0.69
+34.31%
-1.06
Change In Payables And Accrued Expense
0.92
-47.44%
1.76
+5764.52%
-0.03
+88.73%
-0.28
Change In Payable
0.92
-47.44%
1.76
+5764.52%
-0.03
+88.73%
-0.28
Change In Account Payable
0.92
-47.44%
1.76
+5764.52%
-0.03
+88.73%
-0.28
Change In Other Working Capital
-0.40
+6.53%
-0.43
-1.66%
-0.42
-120.94%
-0.19
Change In Other Current Assets
-0.35
+83.80%
-2.15
-647.92%
-0.29
+65.05%
-0.82
Investing Cash Flow
-4.51
+76.80%
-19.46
+59.84%
-48.47
+53.06%
-103.26
Cash Flow From Continuing Investing Activities
-4.51
+76.80%
-19.46
+59.84%
-48.47
+53.06%
-103.26
Net PPE Purchase And Sale
-11.72
-20.91%
-9.70
-804.38%
-1.07
-168.00%
-0.40
Purchase Of PPE
-11.78
-21.49%
-9.70
-796.85%
-1.08
-111.55%
-0.51
Sale Of PPE
0.06
0.00
-100.00%
0.01
-91.89%
0.11
Capital Expenditure
-11.78
-21.49%
-9.70
-796.85%
-1.08
-111.55%
-0.51
Net Investment Purchase And Sale
18.30
+1223.51%
-1.63
+93.09%
-23.59
+74.85%
-93.80
Purchase Of Investment
-35.93
+22.09%
-46.12
-77.95%
-25.92
+74.08%
-99.99
Sale Of Investment
54.24
+21.90%
44.49
+1809.48%
2.33
-62.36%
6.19
Net Other Investing Changes
-10.60
-75842.86%
0.01
+101.04%
-1.35
-198.97%
1.36
Financing Cash Flow
20.98
+306.79%
-10.14
-120.41%
49.70
+18.74%
41.86
Cash Flow From Continuing Financing Activities
20.98
+308.70%
-10.05
-120.23%
49.70
+18.74%
41.86
Net Issuance Payments Of Debt
-0.00
+98.92%
-0.09
-100.12%
75.00
0.00
Issuance Of Debt
—
0.00
-100.00%
75.00
0.00
Repayment Of Debt
-0.00
+98.92%
-0.09
0.00
—
Long Term Debt Issuance
—
0.00
-100.00%
75.00
0.00
Long Term Debt Payments
-0.00
+98.92%
-0.09
0.00
—
Net Long Term Debt Issuance
-0.00
+98.92%
-0.09
-100.12%
75.00
0.00
Net Common Stock Issuance
-0.32
+53.86%
-0.69
+6.28%
-0.73
+4.43%
-0.77
Common Stock Payments
-0.32
+53.86%
-0.69
+6.28%
-0.73
+4.43%
-0.77
Common Stock Dividend Paid
-5.48
-7.26%
-5.11
-6.77%
-4.79
-5.04%
-4.56
Cash Dividends Paid
-5.48
-7.26%
-5.11
-6.77%
-4.79
-5.04%
-4.56
Repurchase Of Capital Stock
-0.32
+53.86%
-0.69
+6.28%
-0.73
+4.43%
-0.77
Net Other Financing Charges
—
-0.09
—
—
Changes In Cash
26.92
+227.21%
-21.16
-297.96%
10.69
+120.20%
-52.92
Beginning Cash Position
19.61
-51.91%
40.77
+35.54%
30.08
-63.76%
83.00
End Cash Position
46.53
+137.29%
19.61
-51.91%
40.77
+35.54%
30.08
Free Cash Flow
-1.32
-6.01%
-1.25
-114.88%
8.38
+5.17%
7.97
Interest Paid Supplemental Data
15.25
+4.27%
14.62
+38.15%
10.59
+236.03%
3.15
Income Tax Paid Supplemental Data
0.18
+78.43%
0.10
0.00
-100.00%
0.23
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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