UBCPNasdaqState Commercial BanksFiscal year ends December 31
UNITED BANCORP INC /OH/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$13.40+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $73.34M
- P/E (TTM)
- 9.7
- Dividend yield
- 6.87%
United Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | United Bancorp | Industry median |
|---|---|---|
| Market Cap | $76.86M | $679.86M |
| Enterprise Value | $30.87M | $408.94M |
| PE Ratio | 9.71 | 12.00 |
| PB Ratio | 1.07 | 1.18 |
| P/TBV Ratio | 1.08 | 1.41 |
| P/OCF Ratio | 11.12 | 10.04 |
Income (trailing twelve months)
| Measure | United Bancorp | Industry median |
|---|---|---|
| Pretax Income | $7.70M | $70.12M |
| Net Income | $7.97M | $54.33M |
| EPS (Diluted) | $1.38 | $2.90 |
Returns
| Measure | United Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.1% | 10.5% |
| Return on Assets (ROA) | 0.92% | 1.12% |
Growth
| Measure | United Bancorp | Industry median |
|---|---|---|
| Net Income Growth (YoY) | 6.95% | 23.1% |
| EPS Growth (YoY) | 8.66% | 22.7% |
| FCF Growth (YoY) | -548.7% | 27.1% |
| EPS Growth (3Y CAGR) | -3.69% | 1.26% |
| EPS Growth (5Y CAGR) | -0.73% | 8.24% |
Balance sheet
| Measure | United Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $45.98M | $205.54M |
| Net Cash (Debt) | $45.98M | $164.40M |
| Net Cash Per Share | $8.02 | $8.13 |
| Equity (Book Value) | $72.09M | $560.44M |
| Book Value Per Share | $12.57 | $28.47 |
| Tangible Book Value | $71.41M | $472.29M |
Cash flow (trailing twelve months)
| Measure | United Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $6.91M | $61.20M |
| Capital Expenditures | -$11.02M | -$4.02M |
| Free Cash Flow | -$4.11M | $52.43M |
| FCF Per Share | -$0.72 | $3.07 |
Efficiency
| Measure | United Bancorp | Industry median |
|---|---|---|
| Profits Per Employee | $63.78K | $107.28K |
| Employee Count | 125 | 489 |
Dividends and yields
| Measure | United Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 10.4% | 8.07% |
| FCF Yield | -5.35% | 8.89% |
| Dividend Yield | 6.87% | 2.48% |
| Buyback Yield | 1.18% | 1.55% |
| Shareholder Yield | 8.04% | 3.13% |
| Dividend Per Share | $0.92 | $0.93 |
| Dividend Growth (YoY) | 7.60% | 4.26% |
| Years of Dividend Growth | 6 | 2 |
| Payout Ratio | 70.3% | 29.4% |
Shares
| Measure | United Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 5,735,520 | 18,839,100 |
| Shares Change (YoY) | -0.64% | 0.39% |
| Shares Change (QoQ) | -0.79% | 0.00% |
| Float | 5,161,290 | 17,061,900 |
| Shares Held by Insiders | 10.0% | 5.89% |
| Shares Held by Institutions | 13.4% | 61.9% |
Taxes
| Measure | United Bancorp | Industry median |
|---|---|---|
| Income Tax | -$276.00K | $14.50M |
| Effective Tax Rate | -3.59% | 21.1% |
Scores
| Measure | United Bancorp | Industry median |
|---|---|---|
| Graham Number | $19.75 | $45.31 |
| Graham Upside | 47.4% | 21.6% |
| Altman Z-Score | 0.14 | 0.21 |
Calculated by StockData from United Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.