NASDAQ: UBCP
United Bancorp, Inc.
Financial Services · Banks - Regional
Market Cap
$92.44M
52w High
$17.34
52w Low
$12.47
P/E
11.28
Volume
8.73K
Outstanding Shares
5.78M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 16.38% over the last year. Revenue grew 7.19% over the trailing twelve months. Operating margin moved from 15.68% to 15.83%. Free cash flow grew 339.39% 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 (76th 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 15.83% — continued expansion would be needed to justify the premium. Revenue growth of 7.19% 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. 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
Aug 5, 2026
Q3 FY26 · EPS est — · Revenue est —
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Dividends
$0.94/shareQuarterly6yr growth streakUBCP pays a dividend with a 5.88% dividend yield, 6 consecutive years of growth.
Dividend Yield
5.88%
Annual Div / Share
$0.94
5yr CAGR
+6.93%
Payout Ratio
71.19%
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 |
|---|---|---|
$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.