Financial Services
United Bancorp, Inc.(UBCP)
Live Price
Offline$15.63
-1.08% today
1Y Change
+6.32%
Window
Jun 20, 2025 โ Jun 15, 2026
- Market Cap
- $90.00M
- Revenue Growth
- +8.0%
- EPS Growth
- +11.0%
- Dividend Yield
- 5.8%
Coverage: 247 bars ยท Jun 20, 2025 โ Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Bancorp, Inc. (UBCP) is a Financial Services stock with a market cap of $90.00M and listed on NASDAQ. The stock last traded around $15.63 and up 6.3% across the available one-year price window (Jun 20, 2025 โ Jun 15, 2026). Baseline metrics include revenue growth of +8.0%, EPS growth of +11.0%, a dividend yield of 5.8%. What stands out right now is revenue +8.0%, EPS +11.0%, free cash flow -46.2% with operating margin 16.1% and ROIC 0.9%. The dividend matters to the case here, with a current yield around 5.8%. Valuation is more restrained than many high-expectation growth names at P/E 12.0 and price/sales 1.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UBCP price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+8.0% vs +3.4% peer median
Operating Margin
Above sector median
+16.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 30, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +8.0% and EPS at +11.0%, with operating margin around 16.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 5.8%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.4% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 30, 2026 | โ | -2.3% | -0.5% | -6.0% |
2026 Feb 3, 2026 | โ | +0.4% | +0.8% | +7.2% |
2025 Nov 6, 2025 | โ | -1.9% | +0.8% | +3.9% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBCP
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UBCP Max Drawdown
-16.28%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UBCP and SPY.
Company Overview
United Bancorp, Inc.
NASDAQ Capital Market
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
- Leadership
- Scott A. Everson
- IPO Date
- Mar 2, 1993
- Employees
- 115
- Street Address
- 201 South Fourth Street
- Mailing
- Martins Ferry, OH, 43935
- Region
- Martins Ferry, OH, US
- Reporting Currency
- USD
- Investor Line
- 740 633 0445
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.0
- EV/EBITDA
- 23.8
- Price/Sales
- 1.9
- Price/Book
- 1.3
Growth
- Revenue
- +8.0%
- EPS
- +11.0%
- Free Cash Flow
- -46.2%
Profitability
- Gross Margin
- 67.0%
- Operating Margin
- 16.1%
- Net Margin
- 16.3%
- ROE
- 12.0%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 1.86
- Current Ratio
- 1.58
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.