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United Bancorp Inc/OH (UBCP)
Price$15.78
Favorite Metrics
Price vs S&P 500 (26W)10.11%
Price vs S&P 500 (4W)-13.28%
Market Capitalization$91.80M
P/E Ratio (Annual)11.84x
Indicated Dividend Yield (Annual)4.79%
All Metrics
P/CF (Annual)8.78x
Book Value / Share (Quarterly)$11.85
P/TBV (Annual)1.18x
Indicated Dividend (Annual)$0.75
Revenue Growth (3Y)0.77%
Cash Flow / Share (Quarterly)$-0.22
Payout Ratio (TTM)70.73%
Price vs S&P 500 (YTD)5.69%
Net Profit Margin (TTM)29.59%
EPS (TTM)$1.41
10-Day Avg Trading Volume0.03M
EPS Excl Extra (TTM)$1.41
Revenue Growth (5Y)9.40%
EPS (Annual)$1.41
Dividend / Share (Annual)$0.92
ROI (Annual)6.12%
Net Profit Margin (5Y Avg)28.00%
Cash / Share (Quarterly)$1.35
P/E Basic Excl Extra (TTM)11.84x
Revenue Growth QoQ (YoY)32.26%
EPS Growth (5Y)-0.62%
P/E Normalized (Annual)11.84x
ROA (Last FY)0.90%
Revenue Growth TTM (YoY)35.44%
EBITD / Share (TTM)$1.62
ROE (5Y Avg)12.88%
Operating Margin (TTM)31.50%
Cash Flow / Share (Annual)$-0.22
P/B Ratio1.30x
P/B Ratio (Quarterly)1.18x
Net Income / Employee (Annual)$0
ROA (TTM)0.91%
EPS Growth QoQ (YoY)8.51%
EV / EBITDA (TTM)16.65x
EPS Incl Extra (Annual)$1.41
3-Month Avg Trading Volume0.01M
52-Week Price Return20.12%
P/E Incl Extra (TTM)11.84x
Tangible BV / Share (Quarterly)$11.85
P/S Ratio (Annual)2.24x
52-Week High$17.34
Operating Margin (5Y Avg)31.12%
EPS Excl Extra (Annual)$1.41
CapEx CAGR (5Y)36.12%
Tangible BV CAGR (5Y)0.85%
26-Week Price Return18.85%
13-Week Price Return16.05%
Total Debt / Equity (Annual)0.80x
Enterprise Value$148.072
Revenue / Share Growth (5Y)5.99%
Book Value / Share Growth (5Y)0.80%
Revenue / Employee (Annual)$228,683
Pretax Margin (Annual)33.49%
Cash / Share (Annual)$1.40
3-Month Return Std Dev38.95%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)-1.80%
EBITDA Interim CAGR (5Y)-6.27%
ROE (Last FY)10.99%
EPS Basic Excl Extra (Annual)$1.41
P/FCF (TTM)32.17x
EV / Free Cash Flow (TTM)86.86x
Total Debt / Equity (Quarterly)0.80x
EPS Incl Extra (TTM)$1.41
ROI (TTM)6.05%
Dividend Growth Rate (5Y)10.26%
P/S Ratio (TTM)2.13x
Pretax Margin (5Y Avg)31.12%
Revenue / Share (Annual)$5.19
Tangible BV / Share (Annual)$11.85
Forward P/E11.69x
Price vs S&P 500 (52W)-14.97%
P/E Ratio (TTM)11.84x
EPS Growth TTM (YoY)5.97%
Year-to-Date Return9.83%
5-Day Price Return-0.82%
EPS Normalized (Annual)$1.41
ROA (5Y Avg)1.07%
Net Profit Margin (Annual)30.41%
Month-to-Date Return3.62%
Cash Flow / Share (TTM)$1.82
EBITD / Share (Annual)$1.62
EPS Growth (3Y)-3.69%
Operating Margin (Annual)33.49%
LT Debt / Equity (Annual)0.34x
P/CF (TTM)8.78x
ROI (5Y Avg)7.39%
P/E Excl Extra (TTM)11.84x
LT Debt / Equity (Quarterly)0.34x
EPS Basic Excl Extra (TTM)$1.41
P/TBV (Quarterly)1.18x
Payout Ratio (Annual)70.73%
P/B Ratio (Annual)1.18x
Dividend / Share (TTM)$0.92
Pretax Margin (TTM)31.50%
Book Value / Share (Annual)$11.85
Price vs S&P 500 (13W)13.19%
Net Margin Growth (5Y)9.34%
Dividend Yield (TTM)5.97%
Beta0.34x
P/FCF (Annual)10.95x
Revenue / Share (TTM)$5.46
ROE (TTM)12.05%
52-Week Low$12.25
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.14
4.14
4.14
4.14
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
UBCPUnited Bancorp Inc/OH | 1.18x | 12.05% | 0.91% | — | $15.78 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
About
United Bancorp Inc is a bank holding company providing commercial and retail banking services through its Unified Bank subsidiary. The company accepts deposits and originates commercial, real estate, and consumer loans across eight Ohio counties—Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield—as well as Marshall County, West Virginia. It serves both business and individual customers throughout its service territories.