United Bancorp, Inc. (UBCP) Key Metrics
UBCP valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $76.9M
- Enterprise value
- $142.2M
- P/E (TTM)
- 9.7 10-yr median 10.2
- Forward P/E
- 10.3
- PEG ratio
- —
- Price / sales
- 2.3 10-yr median 2.4
- Price / book
- 1.3 10-yr median 1.2
- EV / EBITDA
- — 10-yr median 7.7
- Dividend yield
- 5.90% $0.79 a year
- Beta
- 0.33
UBCP key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsUBCP valuation Price multiples at each fiscal year-end price.
UBCP returns How much profit the business earns on the capital it uses.
UBCP per-share figures Results divided by the shares outstanding at year-end.
UBCP financial health Debt, liquidity and how easily interest is covered.
UBCP efficiency & capital use Working capital cycle and where the cash goes.
UBCP valuation history
UBCP returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
UBCP debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
UBCP cash returned to shareholders
UBCP price vs earnings per share
UBCP key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $83.4M | $72.0M | $70.5M | $80.7M | $91.3M | $71.9M | $79.0M | $56.6M | $66.0M | $67.7M |
| Enterprise value | $53.4M | $65.4M | −$11.9M | $117.6M | −$98.7M | −$101.4M | −$54.5M | −$80.4M | $31.9M | $69.6M |
| P/E ratio | 10.8 | 9.7 | 7.9 | 9.3 | 9.7 | 9.0 | 11.6 | 13.2 | 18.6 | 18.9 |
| Price / sales | 1.8 | 1.6 | 1.7 | 2.5 | 3.0 | 2.1 | 2.6 | 2.3 | 3.1 | 3.3 |
| Price / book | 1.2 | 1.1 | 1.1 | 1.4 | 1.3 | 1.1 | 1.3 | 1.1 | 1.5 | 1.6 |
| Price / free cash flow | — | — | 8.4 | 10.1 | 12.3 | 10.5 | 10.9 | 11.4 | 17.4 | 35.3 |
| Price / operating cash flow | 8.4 | 8.5 | 7.4 | 9.5 | 11.1 | 7.7 | 9.2 | 9.8 | 14.5 | 16.2 |
| EV / sales | 1.1 | 1.5 | -0.3 | 3.7 | -3.2 | -2.9 | -1.8 | -3.2 | 1.5 | 3.4 |
| EV / EBITDA | 5.5 | 7.7 | — | 11.0 | — | — | — | — | 4.9 | 11.6 |
| EV / free cash flow | — | — | — | 14.8 | — | — | — | — | 8.4 | 36.2 |
| Earnings yield | 9.3% | 10.3% | 12.7% | 10.7% | 10.4% | 11.1% | 8.6% | 7.6% | 5.4% | 5.3% |
| Free cash flow yield | −2.2% | −1.7% | 11.9% | 9.9% | 8.1% | 9.5% | 9.2% | 8.8% | 5.7% | 2.8% |
| Dividend yield | 6.6% | 7.1% | 6.8% | 5.6% | 4.5% | 4.7% | 4.1% | 5.7% | 4.2% | 3.8% |
| Shareholder yield (dividends + buybacks) | 7.0% | 8.1% | 7.8% | 6.6% | 4.6% | 5.4% | 4.6% | 5.7% | 4.2% | 3.8% |
| Share price at fiscal year-end | $14.35 | $13.00 | $12.84 | $14.72 | $16.66 | $13.18 | $14.30 | $11.43 | $13.25 | $13.50 |
| Per share | ||||||||||
| Revenue per share | $8.17 | $7.94 | $7.45 | $5.79 | $5.55 | $6.33 | $5.60 | $5.04 | $4.24 | $4.05 |
| Earnings per share | $1.33 | $1.34 | $1.63 | $1.58 | $1.73 | $1.46 | $1.23 | $0.86 | $0.71 | $0.71 |
| Operating cash flow per share | $1.71 | $1.53 | $1.72 | $1.55 | $1.50 | $1.72 | $1.56 | $1.16 | $0.92 | $0.83 |
| Free cash flow per share | −$0.31 | −$0.23 | $1.53 | $1.45 | $1.35 | $1.26 | $1.32 | $1.00 | $0.76 | $0.38 |
| Cash per share | $27.75 | $25.06 | $38.38 | $0.90 | $41.87 | $38.41 | $36.88 | $30.14 | $11.90 | $10.23 |
| Book value per share | $12.13 | $11.46 | $11.58 | $10.89 | $13.09 | $12.52 | $10.84 | $10.23 | $8.81 | $8.50 |
| Tangible book value per share | $12.01 | $11.31 | $11.41 | $10.70 | $12.86 | $12.26 | $10.56 | $9.75 | $8.81 | $8.34 |
| Dividends per share | $0.94 | $0.92 | $0.87 | $0.83 | $0.75 | $0.62 | $0.58 | $0.65 | $0.56 | $0.51 |
| Capex per share | $2.03 | $1.75 | $0.20 | $0.09 | $0.14 | $0.46 | $0.24 | $0.16 | $0.16 | $0.45 |
| Debt per share | $22.58 | $23.87 | $23.37 | $7.63 | $7.19 | $6.65 | $12.71 | $2.47 | $5.04 | $10.60 |
| Shares outstanding | 5.8M | 5.5M | 5.5M | 5.5M | 5.5M | 5.5M | 5.5M | 5.0M | 5.0M | 5.0M |
| Change in shares outstanding | +5.0% | +0.9% | +0.1% | +0.1% | +0.3% | −1.2% | +11.6% | −0.6% | −0.7% | +1.7% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.6% | 11.7% | 14.5% | 13.2% | 13.5% | 12.4% | 12.3% | 9.1% | 8.2% | 8.5% |
| Return on invested capital (ROIC) | 15.9% | 38.4% | — | — | — | — | — | — | 13.1% | 8.9% |
| Return on assets (ROA) | 0.9% | 0.9% | 1.1% | 1.2% | 1.3% | 1.2% | 1.1% | 0.8% | 0.8% | 0.8% |
| Return on tangible assets | 0.9% | 0.9% | 1.1% | 1.1% | 1.3% | 1.1% | 1.0% | 0.7% | 0.8% | 0.8% |
| Free cash flow margin | −3.8% | −2.8% | 20.5% | 25.1% | 24.4% | 19.8% | 23.5% | 19.9% | 17.9% | 9.5% |
| Income quality (OCF / net income) | 1.28 | 1.14 | 1.06 | 0.98 | 0.87 | 1.18 | 1.27 | 1.34 | 1.29 | 1.17 |
| Financial health | ||||||||||
| Total debt | $131.3M | $132.2M | $128.3M | $41.8M | $39.4M | $36.3M | $70.3M | $12.2M | $25.1M | $53.2M |
| Cash & short-term investments | $161.3M | $138.8M | $210.7M | $4.9M | $229.3M | $209.7M | $203.8M | $149.2M | $59.3M | $51.3M |
| Net debt | −$30.1M | −$6.6M | −$82.4M | $36.9M | −$189.9M | −$173.3M | −$133.5M | −$137.0M | −$34.1M | $1.8M |
| Debt / equity | 1.86 | 2.08 | 2.02 | 0.70 | 0.55 | 0.53 | 1.17 | 0.24 | 0.57 | 1.25 |
| Debt / assets | 0.15 | 0.16 | 0.16 | 0.06 | 0.05 | 0.05 | 0.10 | 0.02 | 0.05 | 0.12 |
| Net debt / EBITDA | −3.13 | −0.78 | −7.75 | 3.45 | −15.86 | −17.53 | −15.53 | −22.47 | −5.24 | 0.31 |
| Current ratio | 0.25 | 0.22 | 0.33 | 0.83 | 0.37 | 0.35 | 0.37 | 98.79 | 14.21 | 16.29 |
| Quick ratio | 0.25 | 0.22 | 0.27 | 7.66 | 0.51 | 0.45 | 0.40 | 98.77 | 17.92 | 20.26 |
| Interest coverage | 0.6 | 0.5 | 0.9 | 2.9 | 4.1 | 1.8 | 1.2 | 1.6 | 3.2 | 2.9 |
| Working capital | −$505.5M | −$500.8M | −$433.4M | −$1.0M | −$395.8M | −$386.7M | −$354.2M | $450.8M | $56.0M | $48.9M |
| Invested capital | $40.5M | $56.8M | −$18.8M | $96.7M | −$118.2M | −$105.0M | −$73.6M | −$86.4M | $9.7M | $44.5M |
| Tangible asset value | $69.8M | $62.7M | $62.7M | $58.6M | $70.5M | $66.9M | $58.4M | $48.3M | $43.9M | $41.8M |
| Net current asset value | −$621.6M | −$610.0M | −$541.0M | −$692.8M | −$421.1M | −$412.5M | −$419.3M | −$87.2M | −$355.2M | −$343.2M |
| Graham number | $19.07 | $18.56 | $20.61 | $19.67 | $22.54 | $20.26 | $17.34 | $14.10 | $11.88 | $11.68 |
| Graham net-net per share | −$107.08 | −$110.32 | −$95.39 | −$129.56 | −$84.82 | −$80.77 | −$77.68 | −$79.14 | −$72.92 | −$69.73 |
| Capital allocation | ||||||||||
| Dividends paid | $5.5M | $5.1M | $4.8M | $4.6M | $4.1M | $3.4M | $3.2M | $3.2M | $2.8M | $2.5M |
| Share buybacks (net) | $317,000 | $687,000 | $733,000 | $767,000 | $72,000 | $526,000 | $416,000 | — | $0 | $0 |
| Dividend payout ratio | 70.7% | 69.1% | 53.5% | 52.7% | 43.4% | 42.3% | 47.4% | 75.2% | 78.1% | 70.9% |
| Dividends + buybacks / free cash flow | — | — | 65.9% | 66.8% | 56.3% | 56.7% | 50.0% | 64.8% | 73.2% | 132.3% |
| Capex / revenue | 24.8% | 22.0% | 2.6% | 1.6% | 2.6% | 7.3% | 4.3% | 3.1% | 3.7% | 11.1% |
| Capex / operating cash flow | 118.3% | 114.8% | 11.4% | 6.0% | 9.5% | 26.9% | 15.5% | 13.6% | 17.1% | 54.0% |
| Capex / depreciation | 8.74 | 7.89 | 0.94 | 0.44 | 0.60 | 1.93 | 1.12 | 0.77 | 0.85 | 2.72 |
| Stock-based compensation / revenue | 0.8% | 2.0% | 1.6% | 3.2% | 1.4% | 1.7% | 1.8% | 2.3% | 2.1% | 1.9% |
| SG&A / revenue | 34.2% | 26.2% | 28.4% | 36.0% | 35.5% | 30.2% | 31.8% | 37.0% | 39.2% | 38.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 31.9 | 34.9 | 33.5 | 33.0 | 31.5 | 29.6 | 26.5 | 20.4 | 15.9 | 14.8 |
| Days of inventory on hand | — | — | -64.5 | -9,933.1 | -19,185.4 | -1,666.8 | -477.9 | -820.0 | -2,782.6 | -1,081.8 |
| Days payables outstanding | — | — | — | 983.4 | 1,853.2 | 288.7 | 268.2 | 464.8 | 728.6 | 600.7 |
| Cash conversion cycle (days) | — | — | — | -10,883.4 | -21,007.1 | -1,925.9 | -719.5 | -1,264.4 | -3,495.4 | -1,667.7 |
| Receivables turnover | 11.44 | 10.45 | 10.91 | 11.05 | 11.60 | 12.34 | 13.76 | 17.88 | 23.03 | 24.73 |
| Payables turnover | — | — | — | 0.37 | 0.20 | 1.26 | 1.36 | 0.79 | 0.50 | 0.61 |
| Asset turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $4.2M | $4.2M | $3.8M | $2.9M | $2.6M | $2.8M | $2.2M | $1.4M | $916,500 | $821,500 |
| Average payables | — | — | — | $6.2M | $6.8M | $6.4M | $5.2M | $4.4M | $3.7M | $3.4M |
| Average inventory | — | — | −$1.9M | −$63.1M | −$70.5M | −$36.9M | −$9.2M | −$7.8M | −$14.2M | −$6.2M |
| Intangibles / total assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.4% | 0.0% | 0.2% |
Computed from UBCP's annual financial statements (latest annual report filed March 18, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
UBCP valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), United Bancorp traded at 10.8 times earnings, against a 10-year median of 10.2. Based on the latest twelve months, the trailing P/E is 9.7 and the forward P/E is 10.3. United Bancorp earned a return on equity of 11.6% and a return on invested capital of 15.9% in fiscal 2025. It ended the year with $131.3 million of debt and $161.3 million in cash and short-term investments, a net cash position of $30.1 million. It returned $5.8 million to shareholders: $5.5 million in dividends and $0.3 million in share buybacks. The share count rose 15.9% from 5.0M to 5.8M over 9 years.
See the UBCP income statement, the UBCP chart for price history, or the UBCP stock overview for the latest quote and news.
UBCP key metrics FAQ
What is United Bancorp's P/E ratio?
United Bancorp's trailing P/E ratio is 9.7 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.3. At the end of fiscal 2025 it was 10.8, compared with a 10-year median of 10.2.
What is United Bancorp's EV/EBITDA?
United Bancorp's enterprise value was 5.5 times EBITDA at the end of fiscal 2025 (enterprise value $53.4 million, EBITDA $9.6 million).
What is United Bancorp's return on equity?
United Bancorp's return on equity (ROE) was 11.6% in fiscal 2025: net income of $7.8 million on average shareholders' equity of $67.0 million.
What is United Bancorp's ROIC?
United Bancorp's return on invested capital was 15.9% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does United Bancorp have?
United Bancorp had total debt of $131.3 million at the end of fiscal 2025, a debt-to-equity ratio of 1.86 and more cash than debt.
What is United Bancorp's dividend yield?
United Bancorp's forward dividend yield is 5.90%. United Bancorp paid $5.5 million in dividends in fiscal 2025 ($0.94 per share), a payout ratio of 70.7%.
Does United Bancorp buy back its shares?
Yes. United Bancorp spent $0.3 million on net share repurchases in fiscal 2025 Shares outstanding changed +5.0% over the year, to 5.8M..
What is United Bancorp's free cash flow yield?
United Bancorp generated -$1.8 million of free cash flow in fiscal 2025, a free cash flow yield of −2.2% on its market value at year-end ($83.4 million).
What is United Bancorp's current ratio?
United Bancorp's current ratio was 0.25 at the end of fiscal 2025: current assets were 0.25 times current liabilities.