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United Bancorp, Inc. (UBCP)

Profile

Full Name

United Bancorp, Inc.

Ticker

NASDAQ: UBCP

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

March 2, 1993

Indexes

Not included

Website

https://www.unitedbancorp.com

Employees

115

Key Details

Price

$14.01(-0.07%)

Market cap

Last Dividend

$0.19

TTM Dividend yield

6.50%

Annual revenue

$43.98M(+7.53% YoY)

Annual EPS

$1.27(-19.11% YoY)

PE ratio

11.03

Next earnings date

Nov 6, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $14.01
    UBCP price is $14.01

    30-Day Relative Volume

    1.18
    UBCP 30-day relative volume is 1.18

    Price Performance

    Price Most recent change

    -0.07%
    UBCP price was down -0.07% on Sep 15, 2025

    Price YTD change

    +7.77%
    UBCP price is up +7.77% since January 1st

    Price 1-year change

    +17.83%
    UBCP price is up +17.83% year-on-year

    Price 3-year change

    -12.11%
    UBCP price is down -12.11% over the past 3 years

    Price Range

    Price All-time high

    $20.83
    UBCP price is currently -32.74% below its historical high of $20.83

    Price 3-year low

    $9.70
    UBCP price is currently +44.43% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $80.89M
    UBCP market capitalization is $80.89 million

    Market cap 3-year change

    -14.2%
    UBCP market capitalization is down -14.2% over the past 3 years

    Market cap All-time high

    $118.30M
    UBCP market capitalization is currently -31.62% below its historical high of $118.30 million

    Market cap sector rank

    13.5%
    UBCP market capitalization is higher than 13.5% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    0%
    UBCP shares outstanding has remained unchanged year-on-year

    Shares Outstanding 3-Year Change

    -2.38%
    UBCP shares outstanding is down -2.38% over the past 3 years

    Technical Indicators

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    Beta

    0.10
    UBCP beta is 0.10

    200-day SMA

    $13.49
    UBCP price is currently +3.89% above its 200-day simple moving average

    50-day SMA

    $14.27
    UBCP price is currently -1.80% below its 50-day simple moving average

    RSI

    42.70
    UBCP 14-day relative strength index is 42.70

    Volume

    1.18
    UBCP 30-day relative volume is 1.18

    ATR

    $0.45
    UBCP average true range is $0.45

    10-day Historical Volatility

    34.93%
    UBCP 10-day historical volatility is 34.93%

    Dividend

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    Events

    Last Paid Dividend

    $0.19
    UBCP last dividend was $0.19 per share, with an ex-dividend date of September 10, 2025

    Next Dividend

    -
    UBCP next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.85
    UBCP annual dividend per share is $0.85

    Dividend per share Sector Rank

    44.64%
    UBCP annual dividend per share is higher than 44.64% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +4.91%
    UBCP annual dividend per share is up +4.91% year-on-year

    Dividend per share 3-Year Change

    +24.82%
    UBCP annual dividend per share is up +24.82% over the past 3 years

    Dividend yield

    Dividend yield

    6.10%
    UBCP annual dividend yield is 6.10%

    Dividend yield Sector Rank

    63.8%
    UBCP annual dividend yield is higher than 63.8% of companies in Financial Services sector

    Other

    Payout ratio

    72.40%
    UBCP annual payout ratio is 72.40%

    Dividends paid

    $5.11M
    UBCP annual dividends paid is $5.11 million

    Free cash flow

    -$1.25M
    UBCP annual free cash flow is -$1.25 million

    Income Statement

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    Revenue

    Revenue

    $43.98M
    UBCP annual revenue is $43.98 million

    Revenue Analysts estimate

    $25.99M
    UBCP annual revenue is currently +69.22% higher than the consensus analysts' forecast

    Revenue 1-year change

    +7.53%
    UBCP annual revenue is up +7.53% year-on-year

    Revenue Sector rank

    40.03%
    UBCP annual revenue is higher than 40.03% of companies in Financial Services sector

    EPS

    EPS

    $1.27
    UBCP annual earnings per share is $1.27

    EPS Analysts estimate

    $1.32
    UBCP annual earnings per share is currently -3.79% lower than the consensus analysts' forecast

    EPS 1-year change

    -19.11%
    UBCP annual earnings per share is down -19.11% year-on-year

    EPS Sector rank

    57.54%
    UBCP annual earnings per share is higher than 57.54% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    UBCP annual gross profit is $0.00

    Gross margin

    0.00%
    UBCP annual gross profit margin is 0.00%

    Operating profit

    $7.29M
    UBCP annual operating income is $7.29 million

    Operating margin

    16.59%
    UBCP annual operating profit margin is 16.59%

    Net income

    $7.06M
    UBCP annual net profit is $7.06 million

    Net margin

    16.06%
    UBCP annual net profit margin is 16.06%

    Expenses

    Total expenses

    $36.92M
    UBCP annual total expenses is $36.92 million

    Operating expenses

    -$7.29M
    UBCP annual total operating expenses is -$7.29 million

    Cost of goods sold

    -
    UBCP annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    UBCP annual SGA is $0.00

    Depreciation and amortization

    $1.23M
    UBCP annual depreciation & amortization is $1.23 million

    Interest expense

    $14.72M
    UBCP annual interest expense is $14.72 million

    Income tax

    -$107.00K
    UBCP annual income tax is -$107.00 thousand

    EBIT & EBITDA

    EBIT

    $22.02M
    UBCP annual earnings before interest & taxes is $22.02 million

    EBITDA

    $23.25M
    UBCP annual EBITDA is $23.25 million

    Balance Sheet

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    Assets

    Total assets

    $818.52M
    UBCP annual total assets is $818.52 million

    Non current assets

    $817.47M
    UBCP annual long term assets is $817.47 million

    Current assets

    $143.16M
    UBCP annual total current assets is $143.16 million

    Cash and cash equivalents

    $19.61M
    UBCP annual cash & cash equivalents is $19.61 million

    Accounts receivable

    $4.32M
    UBCP annual accounts receivable is $4.32 million

    Inventory

    -
    UBCP annual inventory value is unknown

    Liabilities

    Total liabilities

    $755.07M
    UBCP annual total liabilities is $755.07 million

    Long term liabilities

    $613.49M
    UBCP annual total long term liabilities is $613.49 million

    Current liabilities

    $30.49M
    UBCP annual total current liabilities is $30.49 million

    Accounts payable

    -
    UBCP annual accounts payable value is unknown

    Debt

    Total debt

    $132.21M
    UBCP annual total debt is $132.21 million

    Total debt 1-year change

    +3.02%
    UBCP annual total debt is up +3.02% year-on-year

    Long term debt

    $101.72M
    UBCP annual long term debt is $101.72 million

    Short term debt

    $30.49M
    UBCP annual short term debt is $30.49 million

    Equity & Capital

    Shareholders equity

    $63.46M
    UBCP annual stockholders equity is $63.46 million

    Book value

    $46.31M
    UBCP annual book value is $46.31 million

    Retained earnings

    $46.31M
    UBCP annual retained earnings is $46.31 million

    Working capital

    $112.67M
    UBCP annual working capital is $112.67 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $8.45M
    UBCP annual cash flow from operations is $8.45 million

    Cash from operations 1-year change

    -10.73%
    UBCP annual cash flow from operations is down -10.73% year-on-year

    Cash from investing

    -$19.46M
    UBCP annual cash flow from investing activities is -$19.46 million

    Cash from investing 1-year change

    +59.84%
    UBCP annual cash flow from investing activities is up +59.84% year-on-year

    Cash from financing

    -$10.14M
    UBCP annual cash flow from financing activities is -$10.14 million

    Cash from financing 1-year change

    -120.41%
    UBCP annual cash flow from financing activities is down -120.41% year-on-year

    CAPEX

    CAPEX

    $9.70M
    UBCP annual capital expenditures is $9.70 million

    CAPEX 1-year change

    +796.85%
    UBCP annual capital expenditures is up +796.85% year-on-year

    Free Cash Flow

    Free cash flow

    -$1.25M
    UBCP annual free cash flow is -$1.25 million

    Free cash flow 1-year change

    -114.88%
    UBCP annual free cash flow is down -114.88% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    UBCP annual gross profit margin is 0.00%

    Operating margin

    16.59%
    UBCP annual operating profit margin is 16.59%

    Net margin

    16.06%
    UBCP annual net profit margin is 16.06%

    ROA & ROE

    ROA

    0.86%
    UBCP annual return on assets is 0.86%

    ROE

    11.12%
    UBCP annual return on equity is 11.12%

    Valuation

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    PE Ratio

    PE ratio

    11.03
    UBCP price to earnings ratio is 11.03

    PE ratio Sector rank

    24.13%
    UBCP price to earnings ratio is higher than 24.13% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.36
    UBCP price to book ratio is 1.36

    PB ratio Sector rank

    58.01%
    UBCP price to book ratio is higher than 58.01% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.78
    UBCP price to sales ratio is 1.78

    PS ratio Sector rank

    37.8%
    UBCP price to sales ratio is higher than 37.8% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $168.60M
    UBCP enterprise value is $168.60 million

    Enterprise value Sector rank

    23.76%
    UBCP enterprise value is higher than 23.76% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    UBCP EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    UBCP EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    4.69
    UBCP annual current ratio is 4.69

    Quick ratio

    -
    UBCP annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.00
    UBCP annual debt to equity ratio is 0.00

    Interest coverage ratio

    1.50
    UBCP annual interest coverage ratio is 1.50

    Risk & Stability

    Piotroski F-Score

    5
    UBCP piotroski f-score is 5

    Altman Z-Score

    0.45
    UBCP altman z-score is 0.45

    Analyst ratings

    Recent major analysts updates

    No data about analysts updates

    Institutional Ownership

    Screeners with UBCP included

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    NASDAQ Listed Companies
    • What is the ticker symbol for United Bancorp, Inc.?
    • Does United Bancorp, Inc. pay dividends?
    • What sector is United Bancorp, Inc. in?
    • What industry is United Bancorp, Inc. in?
    • What country is United Bancorp, Inc. based in?
    • When did United Bancorp, Inc. go public?
    • Is United Bancorp, Inc. in the S&P 500?
    • Is United Bancorp, Inc. in the NASDAQ 100?
    • Is United Bancorp, Inc. in the Dow Jones?
    • When was United Bancorp, Inc.'s last earnings report?
    • When does United Bancorp, Inc. report earnings?

    What is the ticker symbol for United Bancorp, Inc.?

    The ticker symbol for United Bancorp, Inc. is NASDAQ:UBCP

    Does United Bancorp, Inc. pay dividends?

    Yes, United Bancorp, Inc. pays dividends. The last payment was $0.19, with an ex-dividend date on September 10, 2025

    What sector is United Bancorp, Inc. in?

    United Bancorp, Inc. is in the Financial Services sector

    What industry is United Bancorp, Inc. in?

    United Bancorp, Inc. is in the Regional Banks industry

    What country is United Bancorp, Inc. based in?

    United Bancorp, Inc. is headquartered in United States

    When did United Bancorp, Inc. go public?

    United Bancorp, Inc.'s initial public offering (IPO) was on March 2, 1993

    Is United Bancorp, Inc. in the S&P 500?

    No, United Bancorp, Inc. is not included in the S&P 500 index

    Is United Bancorp, Inc. in the NASDAQ 100?

    No, United Bancorp, Inc. is not included in the NASDAQ 100 index

    Is United Bancorp, Inc. in the Dow Jones?

    No, United Bancorp, Inc. is not included in the Dow Jones index

    When was United Bancorp, Inc.'s last earnings report?

    United Bancorp, Inc.'s most recent earnings report was on July 31, 2025

    When does United Bancorp, Inc. report earnings?

    The next expected earnings date for United Bancorp, Inc. is November 6, 2025
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