United Bancorp, Inc. (UBCP)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 30 | 28 | 28 | 30 | 29 | 32 | 34 | - |
| Operating profit | $m | 8 | 8 | ||||||
| Net profit | $m | 8 | 9 | 9 | 9 | 7 | 8 | 8 | 8 |
| EPS reported | $ | 1.34 | 1.40 | ||||||
| Operating cashflow per share | $ | 1.81 | 1.06 | ||||||
| Capex per share | $ | 2.14 | 0.43 | ||||||
| FCF per share | $ | -0.33 | 0.64 | ||||||
| Free cash flow | $m | -2 | 6 | ||||||
| Net debt | $m | -33 | -141 | ||||||
| Book value equity | $m | 71 | 72 | ||||||
| Book value per share | $ | 12.13 | 13.17 | ||||||
| Number of shares | m | 5.81 | 5.47 | ||||||
| DPS (TTM paid) | $ | 0.92 | 0.95 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.71 | 10.54 | ||||||
| P/B LTM | x | 1.12 | 1.09 | ||||||
| P/S LTM | x | 2.43 | 2.35 | ||||||
| P/FCF LTM | x | -43.23 | 12.20 | ||||||
| EV/EBITDA LTM | x | 17.66 | 18.58 | ||||||
| EV/Sales LTM | x | 3.44 | 3.20 | ||||||
| Earnings Yield LTM | % | +9.34% | +9.49% | ||||||
| FCF Yield | % | -2.31% | +8.20% | ||||||
| Quality | |||||||||
| ROE | % | +10.99% | +11.73% | ||||||
| ROIC | % | +3.59% | +0.88% | ||||||
| Operating margin | % | +17.41% | +15.98% | ||||||
| Gross margin | % | +67.36% | +68.49% | ||||||
| FCF/Sales | % | -3.84% | +7.22% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.51% | +10.24% | ||||||
| Sales Growth YoY | % | +11.01% | +14.57% | ||||||
| Net Income Growth YoY | % | +4.74% | +7.71% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +13.35% | +5.50% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +6.96% | +5.92% | ||||||
| Dividend Growth | % | +7.60% | +11.11% | ||||||
| Payout Ratio | % | +70.39% | +57.00% | ||||||
| FCF/Debt | x | -0.01 | 0.06 | ||||||
| Net Debt/EBITDA | x | 9.15 | 7.08 | ||||||
| EBIT/Net interest | x | 0.55 | 0.53 | ||||||
| Net debt/market cap | % | +1.63% | +1.18% | ||||||
| Net debt/Equity | x | -0.47 | -1.96 | ||||||
| Gross debt/equity | x | 1.86 | 1.54 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
United Bancorp, Inc. (UBCP)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.
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