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United Bancorp(NASDAQ) UBCP

Current Price$15.60
Market Cap$89.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+1,600%
5 Year+61%
1 Year+16%
1 Month-1%
United Bancorp last closing stock price
MetricPriceDate
Last closeUSD 15.512026-07-23
United Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.68%USD 14.962026-07-16
1 month-1.21%USD 15.702026-06-23
3 month-3.31%USD 16.042026-04-24
Year to date+12.01%USD 13.852025-12-31
1 year+16.11%USD 13.362025-07-23
3 year+61.19%USD 9.622023-07-24
5 year+61.21%USD 9.622021-07-23
Since inception+1,599.82%USD 0.911993-03-01

United Bancorp Financials at a Glance

Market Cap

$89.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$47.82M

Net Income (TTM)

$7.79M

EPS (TTM)

$1.35

P/E Ratio

11.52

Dividend

$0.77

Beta (Volatility)

0.14 (Low)

Price

$15.60

Volume

0

Open

$15.60

Previous Close

$15.60

Daily Range

$15.60 - $15.60

52-Week Range

$12.33 - $17.34

Estimated Earnings Date

Aug 5, 2026

UBCP News

No articles available.

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About United Bancorp

United Bancorp helps people and businesses manage money and get loans. It offers checking, savings, and lending services for local communities. Customers use these services to save, pay bills, or buy homes and equipment.

Products and Services

  • Deposit Accounts: Checking, savings, and time deposit accounts for individuals and businesses.
  • Commercial Loans: Loans for businesses to buy equipment, property, or cover expenses.
  • Real Estate Loans: Mortgages for homes and commercial properties, including first-lien family homes.
  • Consumer Loans: Personal loans for cars, education, or other needs.
  • Branch Banking: In-person services at 18 branches and one loan office in Ohio and West Virginia.

Growth and Expansion

  • Expanded branch network to 18 locations by 2025, focusing on Ohio and West Virginia.
  • Opened a loan production office in Wheeling, West Virginia (year not specified).
  • Invested in cybersecurity and risk management programs in recent years.
  • No major acquisitions, partnerships, or international expansions reported in the last two years.

What Makes United Bancorp Stand Out?

The company focuses on community banking in a defined region, serving local customers through a branch network. It maintains a diversified loan portfolio, avoiding reliance on any single customer or industry. Strong risk management and regulatory compliance are central to its operations.

Five Things You Need to Know

  • Revenue was $13 million in Q4 2025, up 11.7% from Q4 2024.
  • Net income reached $3 million in Q4 2025, up 44.4% year-over-year.
  • Total assets averaged $828.1 million in 2024, showing steady growth.
  • Loan portfolio is diversified: no single loan type exceeds 19% of total loans.
  • Net interest spread fell to 3.01% in 2024, down from 3.28% in 2023.

Bottom Line

United Bancorp has grown by focusing on local banking and careful risk management. Its steady performance reflects a commitment to serving community needs in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

125

CEO

Scott A. Everson

Website

www.unitedbancorp.com

Headquarters

Martins Ferry, OH 43935, US

UBCP Financials

Key Financial Metrics (TTM)

Gross Margin

67.49%

Operating Margin

15.83%

Net Income Margin

16.29%

Return on Equity

11.80%

Return on Capital

4.10%

Return on Assets

0.91%

Earnings Yield

8.68%

Dividend Yield

4.91%

Payout Ratio

71.19%

Stock Overview

Market Cap

$89.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.78M

Volume

0

Avg. Volume

8.88K

Financials (TTM)

Gross Profit

$32.28M

Operating Income

$7.57M

EBITDA

$9.01M

Operating Cash Flow

$9.60M

Capital Expenditure

-$4.66M

Free Cash Flow

$4.94M

Cash & ST Invst.

$145.16M

Total Debt

$117.48M

United Bancorp Performance Analysis

United Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 31,744,0004.4%
20232023-12-31USD 40,903,00028.9%
20242024-12-31USD 43,981,0007.5%
20252025-12-31USD 47,508,0008.0%
United Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-306.1%
Q32025-09-301.5%
Q42025-12-315.2%
Q12026-03-31-9.2%
United Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.51-7.0%
20232023-12-31USD 1.573.8%
20242024-12-31USD 1.27-18.5%
20252025-12-31USD 1.345.5%
United Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.1%
Q32025-09-303.0%
Q42025-12-312.9%
Q12026-03-31-5.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$11.44M

+2.8%

Gross Profit

$7.91M

+6.4%

Gross Margin

69.11%

N/A

Market Cap

$89.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$717.31K

N/A

Employees

125

N/A

Net Income

$1.91M

+2.1%

EBITDA

$2.16M

-0.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$145.16M

-45.5%

Total Debt

$117.48M

-15.7%

Accounts Receivable

$3.45M

-1.5%

Inventory

$0.00

N/A

Long Term Debt

$81.88M

-19.5%

Short Term Debt

$35.60M

-5.2%

Return on Assets

0.91%

N/A

Return on Invested Capital

4.85%

N/A

Free Cash Flow

-$1.68M

-182.8%

Operating Cash Flow

$364.00K

-65.8%

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Questions About UBCP

What is the current price of United Bancorp?

United Bancorp is trading at $15.60 per share.

What is the 52-week range for United Bancorp?

Over the past 52 weeks, United Bancorp has traded between $12.33 and $17.34.

How much debt does United Bancorp have?

As of the most recent reporting period, United Bancorp reported total debt of $117.48M.

How much cash does United Bancorp have on hand?

United Bancorp does not have cash on hand data available.

What is United Bancorp’s dividend yield?

United Bancorp currently has a dividend yield of 4.91%.

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