Trailing Dividend / Share
$0.94
United Bancorp, Inc. (UBCP) Dividend History
Income profile from 1993 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
5.8%
Payout Ratio
70.7%
Watch
Dividend Streak
6 years
UBCP Dividend Income Check
Safety
70.7% payout ratio with watch safety profile.
Consistency
6 straight years of dividend increases.
Income Trend
Yield on cost is 7.1% and trend is rising.
UBCP Dividend Scorecard
Yield & Income
Dividend Yield5.8%
Trailing DPS$0.94
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout70.7%
Earnings SafetyWatch
FCF Payout110.4%
FCF SafetyStretched
Piotroski F-Score8/9
Growth
Growth Streak6 years
3Y CAGR5.9%
5Y CAGR10.0%
Yield on Cost (5Y)7.1%
YOC Trendrising
Total Returns
Buyback Yield0.3%
Total Shareholder Yield6.1%
1Y Total Return19.3%
5Y Total Return39.2%
Div Contribution (5Y)29.1%
Estimated $10K growth (return + dividends):
5Y ago$13,91910Y ago$23,31120Y ago$28,719
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
UBCP Income Growth Story
Dividend per share and yield on cost over time (34 years of payments)
UBCP Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
United Bancorp, Inc. distributes 70.7% of earnings as dividends (Watch). When measured against free cash flow—a stricter test—the payout ratio stands at 110.4%, rated "Stretched".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
UBCP has raised its dividend for 6 consecutive years, with a 3-year CAGR of 5.9% and 5-year CAGR of 10.0%.
Total Shareholder Returns
Beyond cash dividends, UBCP returns capital through share repurchases. The combined picture: 5.8% dividend yield, 0.3% buyback yield, 6.1% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 7.1% and is currently rising. The 5-year total return is 39.2%, with dividends contributing 29.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $23,311 today.
FCF payout is stretched — the dividend consumes a large share of free cash flow.
UBCP Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$4.22
Avg/Payment$0.2112
Latest Change-46.9%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 10, 2026Latest | $0.1950 | ↓ -46.9% | 5.95% | Jun 19, 2026 |
| Mar 10, 2026 | $0.3675 | ↑ +93.4% | 6.00% | Mar 20, 2026 |
| Dec 10, 2025 | $0.1900 | ↑ +1.3% | 6.73% | Dec 19, 2025 |
| Sep 10, 2025 | $0.1875 | ↑ +1.4% | 6.19% | Sep 19, 2025 |
| Jun 10, 2025 | $0.1850 | ↓ -48.3% | 6.74% | Jun 20, 2025 |
| Mar 10, 2025 | $0.3575 | ↑ +98.6% | 6.92% | Mar 20, 2025 |
| Dec 10, 2024 | $0.1800 | ↑ +1.4% | 6.02% | Dec 20, 2024 |
| Sep 10, 2024 | $0.1775 | ↑ +1.4% | 6.98% | Sep 20, 2024 |
UBCP Dividend vs Peers
Comparable companies in the same industry
#1 yield in peer group
Div Yield
5.8%
#1 of 9
Safety
Watch
70.7% payout
Streak
6Y
10.0% 5Y CAGR
Total Shareholder
6.1%
#2 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
1st UBCPUnited Bancorp, Inc. | $94M | 5.8% | 70.7% | 6 | Watch |
3rd  FFBCFirst Financial Banc… | $3.6B | 2.9% | 37.0% | 2 | Sustainable |
 OVBCOhio Valley Banc Cor… | $207M | 2.1% | 27.5% | 3 | Sustainable |
2nd  FMNBFarmers National Ban… | $573M | 4.6% | 46.7% | 0 | Sustainable |
 MVBFMVB Financial Corp. | $375M | 2.3% | 32.3% | 0 | Sustainable |
 HONEHarborOne Bancorp, I… | $522M | 2.6% | 47.8% | 6 | Sustainable |
 CZWICitizens Community B… | $226M | 1.6% | 25.0% | 6 | Sustainable |
 CHMGChemung Financial Co… | $360M | 1.8% | 41.9% | 1 | Sustainable |
 SBCFSeacoast Banking Cor… | $3.2B | 2.2% | 46.7% | 4 | Sustainable |
UBCP Annual Dividend History (1992–2026)
35 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.56 | — | 2 | — | — | — | 4.3% |
| 2025 | $0.92 | 7.6% | 4 | $1.34 | 68.7% | 1.46x | 7.1% |
| 2024 | $0.85 | 4.9% | 4 | $1.27 | 67.3% | 1.49x | 6.6% |
| 2023 | $0.82 | 5.2% | 4 | $1.57 | 51.9% | 1.93x | 6.3% |
| 2022 | $0.78 | 13.1% | 4 | $1.51 | 51.3% | 1.95x | 6.0% |
| 2021 | $0.68 | 20.2% | 4 | $1.62 | 42.3% | 2.36x | 5.3% |
| 2020 | $0.57 | 4.6% | 4 | $1.38 | 41.3% | 2.42x | 4.4% |
| 2019 | $0.55 | -4.4% | 4 | $1.19 | 45.8% | 2.18x | 4.2% |
| 2018 | $0.57 | 11.8% | 4 | $0.82 | 69.5% | 1.44x | 4.4% |
| 2017 | $0.51 | 8.5% | 4 | $0.71 | 71.8% | 1.39x | 3.9% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
33+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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UBCP — Frequently Asked Questions
Quick answers to the most common questions about buying UBCP stock.
How much dividend does UBCP pay per share?
United Bancorp, Inc. (UBCP) pays a trailing 12-month dividend of $0.94 per share, with a current dividend yield of +5.8%. Payments are made Semi-Annual.
When is UBCP's next ex-dividend date?
UBCP's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. UBCP typically pays dividends Semi-Annual.
Is UBCP's dividend safe?
UBCP's dividend safety is rated "Watch" based on an earnings payout ratio of +70.7% and FCF payout ratio of +110.4%. The 6-year growth streak provides moderate confidence.
Is UBCP a Dividend Payer?
Yes, United Bancorp, Inc. is classified as a Dividend Payer with 6 consecutive years of dividend increases. The 5-year dividend CAGR is +10.0%, demonstrating above-inflation dividend growth.
How often does UBCP pay dividends?
United Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.94 per share. Dividend data on this page covers 33+ years from 1993 to 2026.
How much would $10,000 invested in UBCP grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in UBCP five years ago would be worth approximately $13,919 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is UBCP's yield on cost for long-term holders?
UBCP's yield on cost — the current dividend divided by the original purchase price — is +7.1% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +5.8% market yield, thanks to consistent dividend growth.