UBCP - United Bancorp Inc-OH Stock Price, Fair Value and News

12.54USD+0.24 (+1.95%)Market Closed

Market Summary

USD12.54+0.24

Market Closed

1.95%

UBCP Stock Price

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UBCP RSI Chart

UBCP Valuation

Market Cap

74.7M

Price/Earnings (Trailing)

8.25

Price/Sales (Trailing)

1.95

EV/EBITDA

0.77

Price/Free Cashflow

9.27

UBCP Price/Sales (Trailing)

UBCP Profitability

EBT Margin

25.18%

Return on Equity

14.33%

Return on Assets

1.09%

Free Cashflow Yield

10.78%

UBCP Fundamentals

UBCP Revenue

Revenue (TTM)

38.3M

Rev. Growth (Yr)

17.21%

Rev. Growth (Qtr)

-0.86%

UBCP Earnings

Earnings (TTM)

9.1M

Earnings Growth (Yr)

5.56%

Earnings Growth (Qtr)

-16.61%

Breaking Down UBCP Revenue

Last 7 days

-0.7%

Last 30 days

-1.7%

Last 90 days

7.3%

Trailing 12 Months

6.1%

How does UBCP drawdown profile look like?

UBCP Financial Health

UBCP Investor Care

Dividend Yield

6.58%

Dividend/Share (TTM)

0.83

Shares Dilution (1Y)

4.63%

Diluted EPS (TTM)

1.59

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	38.3M	0	0	0
2023	29.9M	32.7M	35.1M	36.8M
2022	24.6M	24.8M	25.9M	27.7M
2021	26.4M	25.7M	25.2M	24.7M
2020	28.0M	28.3M	28.1M	27.6M
2019	23.0M	24.6M	25.9M	27.0M
2018	18.1M	18.9M	19.8M	21.3M
2017	16.8M	16.9M	17.3M	17.7M
2016	16.3M	16.4M	16.5M	16.6M
2015	16.1M	16.0M	16.0M	16.1M
2014	16.8M	16.7M	16.6M	16.4M
2013	18.1M	17.7M	17.4M	17.0M
2012	19.9M	19.3M	18.8M	18.5M
2011	21.3M	20.9M	20.6M	20.2M
2010	0	0	0	21.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of United Bancorp Inc-OH

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 14, 2024	branstetter matthew fredrick	sold (taxes)	-38,979	11.99	-3,251	svp coo
Mar 14, 2024	greenwood randall m	sold (taxes)	-36,989	11.99	-3,085	svp cfo
Mar 14, 2024	glessner gary w	back to issuer	-59,950	11.99	-5,000	-
Mar 14, 2024	branstetter matthew fredrick	back to issuer	-80,920	11.99	-6,749	svp coo
Mar 14, 2024	everson scott a	sold (taxes)	-56,365	11.99	-4,701	president and ceo
Mar 14, 2024	everson scott a	back to issuer	-93,510	11.99	-7,799	president and ceo
Dec 12, 2023	everson scott a	bought	17,146	11.57	1,482	president and ceo
Dec 12, 2023	greenwood randall m	bought	3,702	11.57	320	svp cfo
Dec 12, 2023	glessner gary w	bought	41,767	11.57	3,610	-
Dec 12, 2023	hendershot brian m	bought	15,885	11.57	1,373	-

Which funds bought or sold UBCP recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	Beacon Capital Management, LLC	unchanged	-	1,460	7,235	-%
May 15, 2024	STATE STREET CORP	unchanged	-	17,428	145,771	-%
May 15, 2024	MORGAN STANLEY	reduced	-7.64	6,010	153,112	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-3.94	1,317	17,277	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-29.45	-2,869	11,127	-%
May 15, 2024	RAFFLES ASSOCIATES LP	added	2.31	29,457	222,057	0.26%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	32,020	267,825	-%
May 15, 2024	Royal Bank of Canada	reduced	-65.19	-1,000	1,000	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-6.75	12,741	263,223	-%
May 14, 2024	Founders Financial Alliance, LLC	added	16.98	130,989	542,544	0.16%

Are Funds Buying or Selling UBCP?

Are funds buying UBCP calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UBCP

No. of Funds

Unveiling United Bancorp Inc-OH's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	united bancorp inc /oh/	6.4%	-	SC 13G/A
Feb 13, 2023	united bancorp inc /oh/	6.7%	-	SC 13G/A
Feb 08, 2022	united bancorp inc /oh/	6.9%	-	SC 13G/A
Jan 28, 2021	united bancorp inc /oh/	7.0%	-	SC 13G/A
Feb 12, 2020	united bancorp inc /oh/	7.0%	-	SC 13G/A

Recent SEC filings of United Bancorp Inc-OH

View All Filings

Date Filed	Form Type	Document
May 15, 2024	10-Q	Quarterly Report
May 09, 2024	8-K	Current Report
Apr 19, 2024	8-K	Current Report
Apr 18, 2024	8-K	Current Report
Mar 21, 2024	ARS	ARS
Mar 20, 2024	DEF 14A	DEF 14A
Mar 20, 2024	10-K	Annual Report
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading

Peers (Alternatives to United Bancorp Inc-OH)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

United Bancorp Inc-OH News

Latest updates

United Bancorp Inc-OH Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-0.9%	9,621	9,704	9,651	9,286	8,208	7,922	7,297	6,445	5,997	6,153	6,234	6,233	6,088	6,668	6,692	6,949	7,319	7,150	6,921	6,648	6,315
EBITDA Margin	-4.1%	0.95*	0.99*	1.04*	1.11*	1.20*	1.26*	1.33*	1.39*	1.38*	1.37*	1.36*	1.30*	-	-	-	-	-	-	-	-	-
Interest Expenses	-5.9%	6,115	6,501	6,566	6,345	6,423	6,541	6,369	5,968	5,510	5,637	5,605	5,557	5,313	5,994	5,744	5,522	5,634	5,429	5,195	5,179	5,108
Income Taxes	-25.7%	150	202	58.00	168	113	233	215	295	136	481	448	214	87.00	287	200	16.00	126	89.00	135	188	187
Earnings Before Taxes	-17.3%	2,143	2,592	2,450	2,448	2,001	2,539	2,518	2,592	1,887	2,937	3,350	2,399	1,995	2,927	2,259	1,691	1,705	1,858	1,916	1,834	1,801
EBT Margin	-2.3%	0.25*	0.26*	0.27*	0.29*	0.32*	0.34*	0.38*	0.43*	0.43*	0.43*	0.42*	0.37*	-	-	-	-	-	-	-	-	-
Net Income	-16.6%	1,993	2,390	2,392	2,280	1,888	2,306	2,303	2,297	1,751	2,456	2,902	2,185	1,908	2,640	2,059	1,675	1,579	1,769	1,781	1,646	1,614
Net Income Margin	-2.6%	0.24*	0.24*	0.25*	0.27*	0.29*	0.31*	0.34*	0.38*	0.38*	0.38*	0.38*	0.34*	-	-	-	-	-	-	-	-	-
Free Cashflow	-91.4%	223	2,586	2,692	2,549	555	3,033	2,928	-2,767	4,776	1,657	2,768	1,796	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.8%	834	819	814	830	847	757	761	719	733	724	730	730	733	693	694	701	715	686	676	649	621
Cash Equivalents	15.0%	47.00	41.00	71.00	82.00	101	30.00	35.00	17.00	69.00	83.00	91.00	86.00	97.00	52.00	51.00	22.00	28.00	15.00	13.00	25.00	33.00
Net PPE	20.9%	18.00	15.00	12.00	12.00	12.00	12.00	12.00	13.00	13.00	13.00	13.00	14.00	14.00	14.00	14.00	14.00	13.00	12.00	12.00	12.00	12.00
Goodwill	0%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	-	1.00	-	-	-
Liabilities	2.0%	771	756	762	772	788	698	708	661	669	653	660	661	667	625	627	635	652	626	616	592	567
Shareholder's Equity	-0.6%	63.00	64.00	53.00	58.00	59.00	60.00	53.00	58.00	64.00	72.00	70.00	69.00	67.00	68.00	67.00	66.00	63.00	60.00	60.00	57.00	54.00
Retained Earnings	0.1%	44.00	44.00	43.00	41.00	40.00	42.00	41.00	39.00	38.00	38.00	36.00	34.00	33.00	32.00	31.00	29.00	29.00	28.00	27.00	26.00	25.00
Additional Paid-In Capital	0.3%	26.00	26.00	25.00	25.00	25.00	25.00	25.00	25.00	24.00	24.00	24.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00
Shares Outstanding	1.6%	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	58.00	-	-	-	79.00	-	-	-	69.00	-	-	-	-	-	-	-	55.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	33.1%	3,615	2,715	3,118	2,789	841	3,119	2,993	-2,652	5,021	1,853	2,889	2,048	1,402	2,849	3,825	745	1,951	2,390	1,573	3,811	843
Share Based Compensation	654.2%	543	72.00	73.00	68.00	445	86.00	87.00	85.00	747	104	104	103	103	-	-	-	-	-	-	-	40.00
Cashflow From Investing	56.5%	-10,212	-23,478	-2,293	-4,095	-18,606	2,804	-30,030	-44,915	-31,115	-3,343	4,751	-5,159	2,542	289	35,644	11,584	-13,849	-13,984	-39,488	-31,131	-11,190
Cashflow From Financing	235.7%	12,704	-9,359	-11,696	-17,520	88,274	-11,140	45,543	-4,405	11,858	-6,918	-2,582	-7,591	41,515	-2,483	-10,179	-18,724	24,955	13,232	25,970	19,920	17,786
Dividend Payments	93.2%	1,938	1,003	986	952	1,848	946	887	943	1,783	895	893	866	1,447	840	841	840	840	833	814	797	782
Buy Backs	-	656	-	-	-	733	-1.00	-	1.00	767	72.00	-	-	-	-	-	-	526	-	-	149	267

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UBCP Income Statement

2024-03-31

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and Dividend Income
Loans, including fees	$ 6,762	$ 5,809
Taxable	560	676
Non-taxable	1,714	1,356
Federal funds sold	487	326
Dividends on Federal Home Loan Bank and other stock	98	41
Total interest and dividend income	9,621	8,208
Interest Expense
Deposits	1,962	1,057
Borrowings	1,544	728
Total interest expense	3,506	1,785
Net Interest Income	6,115	6,423
Credit Loss Expense
Net Interest Income After Provision for Credit Losses	6,115	6,423
Noninterest Income
Service charges on deposit accounts	703	721
Realized loss on sale of available-for-sale securities	(194)
Realized gains on sales of loans	77
Earnings on bank-owned life insurance	197	188
Other income	83	107
Total noninterest income	866	1,016
Noninterest Expense
Salaries and employee benefits	1,787	2,864
Occupancy and equipment	624	497
Professional services	610	386
FDIC insurance	108	86
Insurance	150	150
Franchise and other taxes	148	140
Advertising	113	100
Stationery and office supplies	26	30
Amortization of intangibles	38	38
Other expenses	1,234	1,147
Total noninterest expense	4,838	5,438
Income Before Federal Income Taxes	2,143	2,001
Provision for Federal Income Taxes	150	113
Net Income	$ 1,993	$ 1,888
Basic Earnings Per Share (in dollars per share)	$ 0.35	$ 0.33
Diluted Earnings Per Share (in dollars per share)	0.35	0.33
Dividends Per Share (including special dividend of $0.15 in March 2024 and $0.15 in March 2023)	$ 0.3225	$ 0.3125

UBCP Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 8,073	$ 7,352
Interest-bearing demand deposits	38,804	33,418
Cash and cash equivalents	46,877	40,770
Available-for-sale securities, amortized cost of $261,146 net of allowance of allowance for credit losses of $0 at March 31, 2024 and December 31, 2023	251,807	242,760
Loans, net of allowance for credit losses of $3,870 and $3,918 at March 31, 2024 and December 31, 2023, respectively	476,437	479,318
Premises and equipment	18,115	14,984
Federal Home Loan Bank stock	3,979	3,979
Foreclosed assets held for sale, net	3,377	3,377
Core deposit other intangible asset	222	260
Goodwill	682	682
Accrued interest receivable	3,811	4,098
Deferred federal income tax	2,497	2,409
Bank-owned life insurance	19,537	19,423
Other assets	6,686	7,389
Total assets	834,027	819,449
Deposits
Demand	333,606	339,280
Savings	128,810	130,821
Time	163,334	151,358
Total deposits	625,750	621,459
Securities sold under repurchase agreements	37,805	26,781
Subordinated debentures	23,802	23,787
Advances Federal Home Loan Bank	75,000	75,000
Lease liability - finance lease	2,795	2,764
Interest payable and other liabilities	5,669	6,065
Total liabilities	770,821	755,856
Stockholders' Equity
Preferred stock, no par value, authorized 2,000,000 shares; no shares issued	0	0
Common stock, $1 par value; authorized 10,000,000 shares; issued 6,188,141 shares at March 31, 2024, and 6,063,851 shares at December 31, 2023; outstanding - 5,791,156 and 5,702,685 shares at March 31, 2024 and December 31, 2023, respectively	6,188	6,064
Additional paid-in capital	25,998	25,913
Retained earnings	44,073	44,018
Stock held by deferred compensation plan; 162,622 and 181,803 shares at March 31, 2024 and December 31, 202, respectively	(2,029)	(2,363)
Accumulated other comprehensive loss	(7,807)	(7,478)
Treasury stock, at cost 234,363 and 179,363 shares at March 31, 2024 and December 31, 2023, respectively	(3,217)	(2,561)
Total stockholders' equity	63,206	63,593
Total liabilities and stockholders' equity	$ 834,027	$ 819,449

About United Bancorp Inc-OH

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It provides range of banking and financial services, which includes accepting demand, savings, and time deposits; and offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

CEO	Mr. Scott A. Everson
WEBSITE	unitedbancorp.com
INDUSTRY	Banks Diversified
EMPLOYEES	125

United Bancorp Inc-OH Frequently Asked Questions

What is the ticker symbol for United Bancorp Inc-OH? What does UBCP stand for in stocks?

UBCP is the stock ticker symbol of United Bancorp Inc-OH. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of United Bancorp Inc-OH (UBCP)?

As of Fri May 17 2024, market cap of United Bancorp Inc-OH is 74.66 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UBCP stock?

You can check UBCP's fair value in chart for subscribers.

What is the fair value of UBCP stock?

You can check UBCP's fair value in chart for subscribers. The fair value of United Bancorp Inc-OH is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of United Bancorp Inc-OH is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UBCP so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is United Bancorp Inc-OH a good stock to buy?

The fair value guage provides a quick view whether UBCP is over valued or under valued. Whether United Bancorp Inc-OH is cheap or expensive depends on the assumptions which impact United Bancorp Inc-OH's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UBCP.

What is United Bancorp Inc-OH's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, UBCP's PE ratio (Price to Earnings) is 8.25 and Price to Sales (PS) ratio is 1.95. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UBCP PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on United Bancorp Inc-OH's stock?

In the past 10 years, United Bancorp Inc-OH has provided 0.09 (multiply by 100 for percentage) rate of return.