United Bancorp, Inc. (UBCP) AI Stock Analysis

United Bancorp, Inc. serves as a bank holding company overseeing Unified Bank, which provides commercial and retail banking services primarily across Ohio. Established in 1902 and headquartered in Martins Ferry, Ohio, the company operates banking offices in Ohio counties including Athens, Belmont, Fairfield, and Jefferson, as well as Marshall and Ohio Counties in West Virginia, alongside a loan production office in Wheeling, West Virginia. Unified Bank accepts demand deposits, savings accounts, and time deposits, while offering commercial loans, consumer loans, and residential and commercial real estate loans.

Between FY2021 and FY2025, United Bancorp's annual revenue rose from $30.4M to $47.5M, reflecting a 5-year revenue CAGR of 6.6% from FY2020 to FY2025. Annual net income moved from $9.5M in FY2021 to $7.8M in FY2025, while operating margin contracted from 35.1% to 17.4% over the same period. In FY2025, revenue increased 8.0% year-over-year, and EPS reached $1.38. For the trailing twelve months ended June 30, 2026, revenue stood at $33.0M with an operating margin of 25.4%. In the latest quarter ended June 30, 2026, quarterly revenue grew 9.2% and quarterly earnings increased 9.1% year-over-year.

As of June 30, 2026, United Bancorp held $249.4M in cash and short-term investments against $111.3M in total debt, resulting in net cash of $138.1M. Shareholders' equity was $72.1M against total assets of $878.0M, with a current ratio of 1.56 and a debt-to-equity ratio of 1.54. Operating cash flow totaled $10.0M in FY2025. During that year, the company spent $11.8M on capital expenditures, resulting in free cash flow of -$1.8M, while paying $5.5M in dividends and repurchasing $317,000 of shares.

United Bancorp trades at a trailing P/E of 9.7x and a forward P/E of 10.3x, compared to the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio is 2.3x versus the peer median of 3.2x, and its price-to-book ratio is 1.3x. Over the past year, the stock returned 7.2%, trailing the S&P 500 (SPY) return of 16.8%. Over a 5-year period, UBCP returned 20.3% compared to 83.0% for the S&P 500.

United Bancorp pays a quarterly dividend with an annual forward payout of $0.79 per share, equating to a dividend yield of 5.90%. The company has paid dividends for 34 consecutive years and generated a 5-year annualized dividend growth rate of 10.0%. Its payout ratio is 68.1%, and its most recent ex-dividend date was September 10, 2026.

Wall Street coverage consists of 1 Strong Buy rating, 0 Buy ratings, and 0 Hold or Sell ratings. The mean price target is $20.00, representing an upside of 49.3% from the last close of $13.40. For the fiscal year ending December 31, 2026, the consensus estimate calls for revenue of $27.0M and EPS of $1.35. The company beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is November 5, 2026.

This page is an AI-written research summary of United Bancorp, Inc. (UBCP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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