NASDAQ · Banks - Regional

United Bancorp, Inc. (UBCP) Stock

$14.66 +1.10% NASDAQ: UBCP Financial Services

Valuation

MetricValue
Price$14.66
Market Cap$84.75M
P/E Ratio10.42
P/B Ratio1.12
P/S Ratio1.77
EPS (TTM)$1.34
52-Week High$17.34
52-Week Low$12.55
Dividend Yield5.34%

Financials & Margins

MetricValue
ROE11.53%
ROA0.91%
ROCE0.91%
Gross Margin17.02%
Operating Margin17.02%
Net Margin16.55%
Debt/Equity1.74
Current Ratio0.25

Annual Financials (USD)

Metric20212022202320242025
Revenue$30.0M$32.0M$41.0M$44.0M$47.0M
Operating Profit$11.0M$10.0M$9.0M$7.0M$8.0M
Net Profit$9.0M$9.0M$9.0M$7.0M$8.0M
EPS$1.62$1.51$1.57$1.27$1.34
Op Margin35.1%30.0%23.2%16.6%17.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$724.0M$757.0M$819.0M$817.0M$857.0M
Total Liabilities$653.0M$698.0M$756.0M$753.0M$787.0M
Cash$83.0M$30.0M$41.0M$20.0M$47.0M
Borrowings$39.0M$42.0M$128.0M$132.0M$131.0M

Latest News

OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now? Zacks · Jul 2, 2026 United Bancorp's Q1 Earnings Rise 3% Y/Y on Deposit Growth Zacks · May 14, 2026 United Bancorp, Inc. Reports 2026 First Quarter Earnings Performance ACCESS Newswire · May 7, 2026 United Bancorp Rallies 27% in a Year: Should You Buy the Stock? Zacks · Apr 23, 2026 United Bancorp, Inc. Increases its Second Quarter Cash Dividend Payment to $0.1950 per Share, which produces a Forward Yield of 5.13%, and Reports on Annual Shareholder Meeting ACCESS Newswire · Apr 23, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$8.0M$9.0M$8.0M$10.0M
Investing Cash Flow$-2.0M$-104.0M$-50.0M$-29.0M$-16.0M
Financing Cash Flow$29.0M$46.0M$-21.0M$-5.0M$28.0M
Net Cash Flow$31.0M$-53.0M$11.0M$-21.0M$27.0M
Free Cash Flow$7.0M$8.0M$8.0M$-1.0M$-2.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.88
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y16.50%
Return 3Y55.23%
Return 5Y59.13%

Ownership

Insiders Held16.69%
Institutions Held13.72%
Institutions Float Held16.47%
Institutional HolderSharesReport Date
Vanguard Capital Management LLC90,9092026-03-31
Commonwealth Financial Services, LLC89,1602026-06-30
Post Resch Tallon Group Inc. 55,6752026-06-30
Geode Capital Management, LLC49,6692026-03-31
Dimensional Fund Advisors LP45,1562026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ASRVAmeriServ Financial Inc. $4.39 -1.35% 9.16 $74.47M 2.59%
AUBNAuburn National Bancorporation, Inc. $26.54 -1.63% 11.19 $92.71M 4.00%
BOTJBank of the James Financial Group, Inc. $26.94 -0.81% 10.79 $122.40M 1.47%
CASHPathward Financial, Inc. $71.87 -0.31% 9.22 $1.52B 0.27%
FDSBFifth District Bancorp, Inc. $17.32 -1.37% 56.55 $91.19M 0.00%

About United Bancorp, Inc.

United Bancorp, Inc. is led by CEO Scott A. Everson, publicly traded since 1993.

United Bancorp, Inc. (UBCP) stock trades at $14.66 with a market capitalization of $84.75M. The stock is valued at a price-to-earnings (P/E) ratio of 10.42, price-to-book of 1.12, price-to-sales of 1.77. Over the past 52 weeks the stock has ranged between $12.55 and $17.34, and currently trades 15.5% below its 52-week high. It pays a dividend yielding 5.34%.

On profitability, United Bancorp, Inc. generates a return on equity (ROE) of 11.53%, return on capital employed of 0.91%, an operating margin of 17.02%, a net profit margin of 16.55%.

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