Reading the tape
NASDAQ: UBCP
United Bancorp, Inc.
Financial Services · Banks - Regional
Market Cap
$92.33M
52w High
$17.34
52w Low
$12.25
P/E
11.99
Volume
2.00
Outstanding Shares
5.77M
Price vs Fundamentals
Why The Stock Is Moving
Optimism is getting priced inModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 27.84%Revenue (TTM): 7.99%FCF (TTM): 583.32%P/FCF: 72nd pct
What changed
The stock rose 27.84% over the last year. Revenue grew 7.99% over the trailing twelve months. Operating margin moved from 16.58% to 16.14%. Free cash flow grew 583.32% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/FCF range (72nd percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 16.14% — continued expansion would be needed to justify the premium. Revenue growth of 7.99% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio.
CEOScott A. Everson
SectorFinancial Services
IndustryBanks - Regional
Employees115
IPO dateMar 2, 1993
Valuation
Forward P/E—
EV/EBITDA21.72
Enterprise value$201.11M
Price / Book1.31
Stock splits
Nov 29, 2006↑ Forward
Every 10 shares became 11
Nov 30, 2005↑ Forward
Every 10 shares became 11
Dec 1, 2004↑ Forward
Every 10 shares became 11
Nov 28, 2003↑ Forward
Every 10 shares became 11
Nov 27, 2002↑ Forward
Every 20 shares became 21
Nov 29, 2001↑ Forward
Every 20 shares became 21
Nov 29, 2000↑ Forward
Every 20 shares became 21
Nov 29, 1999↑ Forward
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.
Income growth17.39%
Gross marginN/A
Operating margin25.85%▲2.61%vs FY2024
ROE10.99%▼5.75%vs FY2024
Analyst consensus
Rating—
Target price—
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
May 5, 2026
Q2 FY26 · EPS est — · Revenue est —
View
Dividends
$0.94/shareQuarterly6yr growth streakUBCP pays a dividend with a 5.88% declared yield, 6 consecutive years of growth.
Declared Yield
5.88%
Annual Div / Share
$0.94
5yr CAGR
+6.93%
Payout Ratio
70.74%
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
YearAnnual DivYoY
2026$0.94+4.4%
2025$0.90+7.8%
2024$0.83+5.0%
2023$0.80+5.3%
2022$0.76+12.3%
2021$0.67+19.6%
2020$0.56-2.6%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$59/yr
$5/mo
In 5 yrs
$59/yr
$5/mo
In 10 yrs
$59/yr
$5/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$59/yr $5/mo | $59/yr $5/mo | $59/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.