NASDAQ: UBCP
United Bancorp, Inc.
Financial Services · Banks - Regional
Market Cap
$91.22M
52w High
$17.34
52w Low
$12.47
P/E
10.83
Volume
416.97
Outstanding Shares
5.78M
Performance
Return analysis
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 12.98% over the last year. Revenue grew 6.21% over the trailing twelve months. Operating margin moved from 16.14% to 15.98%. Free cash flow grew 605.13% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 54th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 15.98%. Revenue grew 6.21% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio.
Valuation
Stock splits
Every 10 shares became 11
Every 10 shares became 11
Every 10 shares became 11
Every 10 shares became 11
Every 20 shares became 21
Every 20 shares became 21
Every 20 shares became 21
Every 20 shares became 21
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Nov 3, 2026
Q4 FY26 · EPS est — · Revenue est —
View
Dividends
$0.94/shareQuarterly6yr growth streakUBCP pays a dividend with a 5.96% dividend yield, 6 consecutive years of growth.
Dividend Yield
5.96%
Annual Div / Share
$0.94
5yr CAGR
+6.93%
Payout Ratio
70.3%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+5.74%
5yr CAGR
+6.93%
10yr CAGR
+7.89%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$5/mo
In 5 yrs
$5/mo
In 10 yrs
$5/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$60/yr $5/mo | $60/yr $5/mo | $60/yr $5/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.