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United Bancorp, Inc.(UBCP)Earnings, Financials & Key Ratios
UBCP•NASDAQ•Banking & Credit
$16.26
12.1× P/E·Price updated Jun 30, 2026
AboutUnited 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.Show more
- Net Interest Income$26M+7.3%
- Total Revenue$47M+8.0%
- Net Income$8M+4.7%
- Return on Equity11.57%-0.7%
- Net Interest Margin3.06%+2.2%
- Efficiency Ratio49.95%+1.4%
- ROA0.93%+2.4%
- Equity / Assets8.22%+5.8%
- Book Value per Share12.13+5.9%
UBCP Price & Volume
United Bancorp, Inc. (UBCP) stock price & volume — 10-year historical chart
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Stable Regional Banking Amidst Geographic Concentration Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Localized geographic credit concentration
Key Thesis Takeaways
- United Bancorp maintains a conservative growth profile, characterized by a stable net interest margin of 0.8% and consistent quarterly net income averaging $1.9 million.
- While the bank's 8% equity-to-assets ratio provides a reliable capital buffer, its heavy reliance on a nine-county footprint in the Ohio Valley creates structural vulnerability to localized economic downturns.
- Investors should monitor the bank's tactical securities portfolio management, which saw a significant $45 million sale in 2025Q4, as a primary indicator of future liquidity and earnings stability.
Verdict Logic
while the 5.9% dividend yield is attractive, the bank's limited geographic footprint and modest 2.8% ROE as of 2026Q1 warrant caution regarding long-term growth potential.
UBCP Growth Metrics
United Bancorp, Inc. (UBCP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.1%
5 Years6.58%
3 Years14.38%
TTM-
Profit CAGR
10 Years9.17%
5 Years-0.51%
3 Years-3.61%
TTM7.04%
EPS CAGR
10 Years7.67%
5 Years-0.59%
3 Years-3.9%
TTM8.87%
Return on Capital
10 Years7.86%
5 Years7.61%
3 Years5.43%
Last Year4.6%
Peers Comparison
Key metrics vs top competitors for United Bancorp, Inc. (UBCP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.26 | $94M | 12.13 | 7.99% | 16.32% | 11.57% | 5.8% | |
| $33.90 | $3.56B | 12.74 | 2.75% | 20.93% | 10.23% | — | |
| $43.91 | $206.86M | 13.27 | 5.93% | 16.05% | 9.29% | — | |
| $14.60 | $573.23M | 10.07 | 0.88% | 20.23% | 10.62% | — | |
| $29.16 | $374.7M | 14.16 | 18.96% | 14.29% | 8.79% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — |
Compare UBCP vs Peers
United Bancorp, Inc. (UBCP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UBCP SEC Filings & Documents
United Bancorp, Inc. (UBCP) SEC filings — annual & quarterly reports (10-K, 10-Q)
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UBCP Frequently Asked Questions
United Bancorp, Inc. (UBCP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is United Bancorp, Inc. growing?
United Bancorp, Inc. (UBCP) grew revenue by 8.0% over the past year. This is steady growth.
Is UBCP profitable?
Yes, United Bancorp, Inc. (UBCP) is profitable, generating $7.8M in net income for fiscal year 2025 (16.3% net margin).
Dividend & Returns
Does UBCP pay dividends?
Yes, United Bancorp, Inc. (UBCP) pays a dividend with a yield of 5.80%. This makes it attractive for income-focused investors.
What is UBCP's return on equity?
United Bancorp, Inc. (UBCP) has a return on equity (ROE) of 11.6%. This is reasonable for most industries.
Industry Metrics
What is United Bancorp, Inc.'s net interest margin?
United Bancorp, Inc. (UBCP) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is United Bancorp, Inc.'s efficiency ratio?
United Bancorp, Inc. (UBCP) has an efficiency ratio of 49.9%. This is excellent, indicating strong cost control.