UBCP - United Bancorp Inc-OH Stock Price, Fair Value and News

12.81USD-0.33 (-2.51%)Delayed as of 22 Apr 2024, 10:11 am ET

Market Summary

USD12.81-0.33

Delayedas of 22 Apr 2024, 10:11 am

-2.51%

UBCP Stock Price

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UBCP RSI Chart

UBCP Valuation

Market Cap

74.9M

Price/Earnings (Trailing)

8.37

Price/Sales (Trailing)

2.03

EV/EBITDA

0.94

Price/Free Cashflow

8.94

UBCP Price/Sales (Trailing)

UBCP Profitability

EBT Margin

25.76%

Return on Equity

14.07%

Return on Assets

1.09%

Free Cashflow Yield

11.19%

UBCP Fundamentals

UBCP Revenue

Revenue (TTM)

36.8M

Rev. Growth (Yr)

22.49%

Rev. Growth (Qtr)

0.55%

UBCP Earnings

Earnings (TTM)

8.9M

Earnings Growth (Yr)

3.64%

Earnings Growth (Qtr)

-0.08%

Breaking Down UBCP Revenue

52 Week Range

10.7113.25

(Low)(High)

Last 7 days

0.7%

Last 30 days

5.4%

Last 90 days

10.2%

Trailing 12 Months

8.7%

How does UBCP drawdown profile look like?

UBCP Financial Health

UBCP Investor Care

Dividend Yield

6.2%

Dividend/Share (TTM)

0.82

Buy Backs (1Y)

0.45%

Diluted EPS (TTM)

1.57

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	29.9M	32.7M	35.1M	36.8M
2022	24.6M	24.8M	25.9M	27.7M
2021	26.4M	25.7M	25.2M	24.7M
2020	28.0M	28.3M	28.1M	27.6M
2019	23.0M	24.6M	25.9M	27.0M
2018	18.1M	18.9M	19.8M	21.3M
2017	16.8M	16.9M	17.3M	17.7M
2016	16.3M	16.4M	16.5M	16.6M
2015	16.1M	16.0M	16.0M	16.1M
2014	16.8M	16.7M	16.6M	16.4M
2013	18.1M	17.7M	17.4M	17.0M
2012	19.9M	19.3M	18.8M	18.5M
2011	21.3M	20.9M	20.6M	20.2M
2010	0	0	0	21.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of United Bancorp Inc-OH

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 14, 2024	branstetter matthew fredrick	sold (taxes)	-38,979	11.99	-3,251	svp coo
Mar 14, 2024	greenwood randall m	sold (taxes)	-36,989	11.99	-3,085	svp cfo
Mar 14, 2024	glessner gary w	back to issuer	-59,950	11.99	-5,000	-
Mar 14, 2024	branstetter matthew fredrick	back to issuer	-80,920	11.99	-6,749	svp coo
Mar 14, 2024	everson scott a	sold (taxes)	-56,365	11.99	-4,701	president and ceo
Mar 14, 2024	everson scott a	back to issuer	-93,510	11.99	-7,799	president and ceo
Dec 12, 2023	everson scott a	bought	17,146	11.57	1,482	president and ceo
Dec 12, 2023	greenwood randall m	bought	3,702	11.57	320	svp cfo
Dec 12, 2023	glessner gary w	bought	41,767	11.57	3,610	-
Dec 12, 2023	hendershot brian m	bought	15,885	11.57	1,373	-

Which funds bought or sold UBCP recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 18, 2024	Koss-Olinger Consulting, LLC	sold off	-100	-300,000	-	-%
Apr 05, 2024	CWM, LLC	unchanged	-	-	3,000	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.6	94,262	890,762	-%
Feb 16, 2024	WESBANCO BANK INC	reduced	-16.62	-25,010	317,483	0.02%
Feb 14, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	new	-	162,919	162,919	-%
Feb 14, 2024	ALLIANCEBERNSTEIN L.P.	sold off	-100	-250,462	-	-%
Feb 14, 2024	Royal Bank of Canada	added	275	2,000	2,000	-%
Feb 14, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	22,026	235,805	-%
Feb 14, 2024	RAFFLES ASSOCIATES LP	unchanged	-	19,350	192,600	0.24%

Are Funds Buying or Selling UBCP?

Are funds buying UBCP calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UBCP

No. of Funds

Unveiling United Bancorp Inc-OH's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	united bancorp inc /oh/	6.4%	-	SC 13G/A
Feb 13, 2023	united bancorp inc /oh/	6.7%	-	SC 13G/A
Feb 08, 2022	united bancorp inc /oh/	6.9%	-	SC 13G/A
Jan 28, 2021	united bancorp inc /oh/	7.0%	-	SC 13G/A
Feb 12, 2020	united bancorp inc /oh/	7.0%	-	SC 13G/A

Recent SEC filings of United Bancorp Inc-OH

View All Filings

Date Filed	Form Type	Document
Apr 19, 2024	8-K	Current Report
Apr 18, 2024	8-K	Current Report
Mar 21, 2024	ARS	ARS
Mar 20, 2024	DEF 14A	DEF 14A
Mar 20, 2024	10-K	Annual Report
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading

Peers (Alternatives to United Bancorp Inc-OH)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	535.2B	171.1B	-5.35%	31.97%	10.8	3.13	60.72%	31.52%
BAC	291.1B	130.3B	0.60%	23.65%	10.98	2.23	79.51%	-3.68%
WFC	216.0B	85.7B	5.36%	44.88%	11.28	2.52	41.49%	39.96%
C	113.1B	133.3B	-1.61%	19.76%	12.25	0.85	79.09%	-
CFG	15.6B	10.2B	-2.44%	16.96%	9.7	1.53	44.53%	-22.43%
KEY	13.7B	7.9B	-2.66%	21.59%	14.14	1.72	46.47%	-49.56%
MID-CAP
CMA	6.8B	4.2B	-0.35%	12.62%	7.76	1.64	56.25%	-23.46%
ZION	5.9B	3.9B	-3.44%	28.21%	8.69	1.5	45.91%	-25.03%
ABCB	3.2B	1.3B	-2.65%	33.98%	11.87	2.5	43.24%	-22.35%
ASB	3.1B	2.0B	-1.20%	13.72%	16.97	1.59	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	409.6M	164.9M	-5.29%	32.50%	35.02	2.48	42.66%	-70.76%
AROW	377.2M	162.6M	-6.69%	-0.22%	12.54	2.32	25.39%	-38.37%
ACNB	276.3M	96.6M	-11.56%	-1.79%	8.72	2.86	11.02%	-11.37%
ASRV	47.0M	60.9M	2.66%	-13.74%	-14.04	0.77	24.06%	-144.92%

United Bancorp Inc-OH News

Latest updates

United Bancorp Inc-OH Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.5%	9,704	9,651	9,286	8,208	7,922	7,297	6,445	5,997	6,153	6,234	6,233	6,088	6,668	6,692	6,949	7,319	7,150	6,921	6,648	6,315	6,065
EBITDA Margin	-4.8%	0.99*	1.04*	1.11*	1.20*	1.26*	1.33*	1.39*	1.38*	1.37*	1.36*	1.30*	1.23*	1.18*	-	-	-	-	-	-	-	-
Interest Expenses	-1.0%	6,501	6,566	6,345	6,423	6,541	6,369	5,968	5,510	5,637	5,605	5,557	5,313	5,994	5,744	5,522	5,634	5,429	5,195	5,179	5,108	5,010
Income Taxes	248.3%	202	58.00	168	113	233	215	295	136	481	448	214	87.00	287	200	16.00	126	89.00	135	188	187	83.00
Earnings Before Taxes	5.8%	2,592	2,450	2,448	2,001	2,539	2,518	2,592	1,887	2,937	3,350	2,399	1,995	2,927	2,259	1,691	1,705	1,858	1,916	1,834	1,801	674
EBT Margin	-4.3%	0.26*	0.27*	0.29*	0.32*	0.34*	0.38*	0.43*	0.43*	0.43*	0.42*	0.37*	0.34*	0.31*	-	-	-	-	-	-	-	-
Net Income	-0.1%	2,390	2,392	2,280	1,888	2,306	2,303	2,297	1,751	2,456	2,902	2,185	1,908	2,640	2,059	1,675	1,579	1,769	1,781	1,646	1,614	591
Net Income Margin	-3.9%	0.24*	0.25*	0.27*	0.29*	0.31*	0.34*	0.38*	0.38*	0.38*	0.38*	0.34*	0.31*	0.29*	-	-	-	-	-	-	-	-
Free Cashflow	-3.9%	2,586	2,692	2,549	555	3,033	2,928	-2,767	4,776	1,657	2,768	1,796	1,194	2,376	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	0.6%	819	814	830	847	757	761	719	733	724	730	730	733	693	694	701	715	686	676	649	621	593
Cash Equivalents	-42.5%	41.00	71.00	82.00	101	30.00	35.00	17.00	69.00	83.00	91.00	86.00	97.00	52.00	51.00	22.00	28.00	15.00	13.00	25.00	33.00	25.00
Net PPE	21.5%	15.00	12.00	12.00	12.00	12.00	12.00	13.00	13.00	13.00	13.00	14.00	14.00	14.00	14.00	14.00	13.00	12.00	12.00	12.00	12.00	12.00
Goodwill	0%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	-	1.00	-	-	-	1.00
Liabilities	-0.8%	756	762	772	788	698	708	661	669	653	660	661	667	625	627	635	652	626	616	592	567	543
Shareholder's Equity	20.9%	64.00	53.00	58.00	59.00	60.00	53.00	58.00	64.00	72.00	70.00	69.00	67.00	68.00	67.00	66.00	63.00	60.00	60.00	57.00	54.00	51.00
Retained Earnings	3.3%	44.00	43.00	41.00	40.00	42.00	41.00	39.00	38.00	38.00	36.00	34.00	33.00	32.00	31.00	29.00	29.00	28.00	27.00	26.00	25.00	24.00
Additional Paid-In Capital	1.7%	26.00	25.00	25.00	25.00	25.00	25.00	25.00	24.00	24.00	24.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00	23.00
Shares Outstanding	-0.2%	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	58.00	-	-	-	79.00	-	-	-	69.00	-	-	-	-	-	-	-	55.00	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-12.9%	2,715	3,118	2,789	841	3,119	2,993	-2,652	5,021	1,853	2,889	2,048	1,402	2,849	3,825	745	1,951	2,390	1,573	3,811	843	1,816
Share Based Compensation	-1.4%	72.00	73.00	68.00	445	86.00	87.00	85.00	747	104	104	103	103	-	-	-	-	-	-	-	40.00	82.00
Cashflow From Investing	-923.9%	-23,478	-2,293	-4,095	-18,606	2,804	-30,030	-44,915	-31,115	-3,343	4,751	-5,159	2,542	289	35,644	11,584	-13,849	-13,984	-39,488	-31,131	-11,190	5,437
Cashflow From Financing	20.0%	-9,359	-11,696	-17,520	88,274	-11,140	45,543	-4,405	11,858	-6,918	-2,582	-7,591	41,515	-2,483	-10,179	-18,724	24,955	13,232	25,970	19,920	17,786	5,090
Dividend Payments	1.7%	1,003	986	952	1,848	946	887	943	1,783	895	893	866	1,447	840	841	840	840	833	814	797	782	1,065
Buy Backs	-	-	-	-	733	-1.00	-	1.00	767	72.00	-	-	-	-	-	-	526	-	-	149	267	-

UBCP Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Interest and Dividend Income
Loans	$ 25,232	$ 20,734
Taxable	2,741	1,899
Tax-exempt	5,870	4,396
Federal funds sold	2,752	493
Dividends on Federal Home Loan Bank and other stock	254	139
Total interest and dividend income	36,849	27,661
Interest Expense
Deposits	5,873	1,643
Borrowings	5,141	1,630
Total interest expense	11,014	3,273
Net Interest Income	25,835	24,388
Credit for loan losses
Provision for (reversal of ) Credit Losses	(454)
Provision for (reversal of) credit loss expense		(955)
Net Interest Income After Provision for (reversal of) Credit Losses	26,289	25,343
Noninterest Income
Customer service fees	2,940	2,978
Net gains on loan sales	29	36
Earnings on bank-owned life insurance	725	708
Other	360	361
Total noninterest income	4,054	4,083
Noninterest Expense
Salaries and employee benefits	10,272	10,305
Net occupancy and equipment expense	2,064	2,217
Professional fees	1,465	1,451
Insurance	623	568
Deposit insurance premiums	375	198
Franchise and other taxes	555	562
Advertising expense	361	346
Printing and office supplies	113	110
Amortization of Intangible Assets	150	150
Other	4,874	3,983
Total noninterest expense	20,852	19,890
Income Before Federal Income Taxes	9,491	9,536
Provision for Federal Income Taxes	541	879
Net Income	$ 8,950	$ 8,657
Basic Earnings Per Share	$ 1.57	$ 1.50
Diluted Earnings Per Share	$ 1.57	$ 1.50

UBCP Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 7,352	$ 8,279
Interest-bearing demand deposits	33,418	21,801
Cash and cash equivalents	40,770	30,080
Available-for-sale securities, amortized cost of $251,683 net of allowance for credit losses of $0 at December 31, 2023	242,760	217,624
Loans, net of allowance for credit losses of $3,918 and $2,052 at December 31, 2023 and 2022, respectively	479,318
Loans, net of allowance for credit losses of $3,918 and $2,052 at December 31, 2023 and 2022, respectively		458,823
Premises and equipment	14,984	12,144
Federal Home Loan Bank stock	3,979	2,499
Foreclosed assets held for sale, net	3,377	3,519
Core deposit intangible assets	260	410
Goodwill	682	682
Accrued interest receivable	4,098	3,403
Deferred federal income tax	2,409	2,423
Bank-owned life insurance	19,423	19,000
Other assets	7,389	6,793
Total Assets	819,449	757,400
Deposits
Demand	339,280	402,341
Savings	130,821	145,836
Time	151,358	101,736
Total deposits	621,459	649,913
Securities sold under repurchase agreements	26,781	18,106
Subordinated debentures	23,787	23,726
Advances Federal Home Loan Bank	75,000	0
Lease liability - finance lease	2,764	0
Interest payable and other liabilities	6,065	5,918
Total liabilities	755,856	697,663
Stockholders' Equity
Preferred stock, no par value, authorized 2,000,000 shares; no shares issued
Common stock, $1 par value; authorized 10,000,000 shares; issued 2023 - 6,063,851 shares, 2022 - 6,043,851 shares; outstanding 2023 - 5,702,685 shares, 2022 - 5,740,251 shares	6,064	6,044
Additional paid-in capital	25,913	24,814
Retained earnings	44,018	41,945
Stock held by deferred compensation plan; 2023 - 181,803 shares, 2022 - 174,237 shares	(2,363)	(1,902)
Unearned ESOP compensation
Accumulated other comprehensive loss	(7,478)	(9,336)
Treasury stock, at cost 2023 - 179,363 shares, 2022 - 129,363 shares	(2,561)	(1,828)
Total stockholders' equity	63,593	59,737
Total liabilities and stockholders' equity	$ 819,449	$ 757,400

About United Bancorp Inc-OH

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It provides range of banking and financial services, which includes accepting demand, savings, and time deposits; and offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

CEO	Mr. Scott A. Everson
WEBSITE	unitedbancorp.com
INDUSTRY	Banks Diversified
EMPLOYEES	125

United Bancorp Inc-OH Frequently Asked Questions

What is the ticker symbol for United Bancorp Inc-OH? What does UBCP stand for in stocks?

UBCP is the stock ticker symbol of United Bancorp Inc-OH. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of United Bancorp Inc-OH (UBCP)?

As of Fri Apr 19 2024, market cap of United Bancorp Inc-OH is 74.93 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UBCP stock?

You can check UBCP's fair value in chart for subscribers.

What is the fair value of UBCP stock?

You can check UBCP's fair value in chart for subscribers. The fair value of United Bancorp Inc-OH is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of United Bancorp Inc-OH is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UBCP so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is United Bancorp Inc-OH a good stock to buy?

The fair value guage provides a quick view whether UBCP is over valued or under valued. Whether United Bancorp Inc-OH is cheap or expensive depends on the assumptions which impact United Bancorp Inc-OH's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UBCP.

What is United Bancorp Inc-OH's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Apr 19 2024, UBCP's PE ratio (Price to Earnings) is 8.37 and Price to Sales (PS) ratio is 2.03. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UBCP PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on United Bancorp Inc-OH's stock?

In the past 10 years, United Bancorp Inc-OH has provided 0.094 (multiply by 100 for percentage) rate of return.