Why United Bancorp, Inc.’s (UBCP) Stock Is Down 5.19%
As of Friday, August 21, United Bancorp, Inc.’s UBCP share price has dipped by 5.19%, which has investors questioning if this is right time to buy.Michael Rose
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COMPANY SUMMARY
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
Commentary & Analysis
Why United Bancorp, Inc.’s (UBCP) Stock Is Up 6.12%
As of Wednesday, May 27, United Bancorp, Inc.’s UBCP share price has surged by 6.12%, which has investors questioning if this is right time to sell.Jenna Brashear
Why United Bancorp, Inc.’s (UBCP) Stock Is Down 7.51%
As of Monday, May 18, United Bancorp, Inc.’s UBCP share price has dipped by 7.51%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why United Bancorp, Inc.’s (UBCP) Stock Is Down 5.29%
As of Thursday, March 26, United Bancorp, Inc.’s UBCP share price has dipped by 5.29%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why United Bancorp, Inc.’s (UBCP) Stock Is Down 5.07%
As of Friday, December 26, United Bancorp, Inc.’s UBCP share price has dipped by 5.07%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | UBCP | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $90.1 | $730.8 | 20% |
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| Shares Out (Mil) | 5.5 | 15.2 | 14% |
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| Institutional Ownership | 58.1% | 83.5% | 38% |
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| Float (Mil) | 4.8 | 21.7 | 12% |
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| Beta | 0.35 | 0.45 | 20% |
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| Avg Daily Volume (000s) | 2 | 45 | 9% |
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| Price Change (52-week) |
10.7% | 93.1% | 57% |
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| Growth | UBCP | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.7% | 7.7% | 30% |
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| Net Income (5yr) | (0.5%) | 11.1% | 39% |
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| EPS (5yr) | (0.7%) | 10.1% | 30 |
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| Dividends (5yr) | 5.5% | 3.7% | 75% |
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| Cash Flow (5yr) | (6.1%) | (17.2%) | 60% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | UBCP | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $33 | $195 | 17% |
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| Net Income (TTM) (Mil) | $8 | $55 | 44% |
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| EPS (TTM) | $1.388 | $2.500 | 65% |
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| Operating Cash Flow (TTM) (Mil) | $7 | $33 | 37% |
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| Net Cash Flow (TTM) (Mil) | ($4) | $2 | 35% |
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| Long-Term Debt (Q1) (Mil) | $82 | $99 | 43% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | UBCP | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.25 | 1.23 | 31% |
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| P/E | 11.4 | 12.3 | 23% |
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| Dividend Yield | 6.1% | 2.2% | 96% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | UBCP | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 24.2% | 29.2% | 83% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 12.1% | 11.3% | 63% |
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| Liabilities to Assets | 91.8% | 89.7% | 89% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 9/1/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
