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United Bancorp Inc/OH (UBCP)
Price$15.90
Value ScoreC
Growth ScoreD
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)11.62%
Price vs S&P 500 (4W)-2.50%
VGM Score45.92
Market Capitalization$92.93M
P/E Ratio (Annual)11.99x
Indicated Dividend Yield (Annual)4.76%
All Metrics
P/CF (Annual)8.89x
Book Value / Share (Quarterly)$11.29
P/TBV (Annual)1.18x
Indicated Dividend (Annual)$0.78
Revenue Growth (3Y)0.77%
Cash Flow / Share (Quarterly)$-0.42
Payout Ratio (TTM)71.19%
Price vs S&P 500 (YTD)2.84%
Net Profit Margin (TTM)29.59%
EPS (TTM)$1.42
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$1.42
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)11.93x
Revenue Growth QoQ (YoY)32.26%
EPS Growth (5Y)-0.62%
P/E Normalized (Annual)11.99x
ROA (Last FY)0.90%
Revenue Growth TTM (YoY)35.44%
EBITD / Share (TTM)$2.69
ROE (5Y Avg)12.88%
Operating Margin (TTM)31.50%
Cash Flow / Share (Annual)$-0.22
P/B Ratio1.38x
P/B Ratio (Quarterly)1.30x
Net Income / Employee (Annual)$62,000
ROA (TTM)0.91%
EPS Growth QoQ (YoY)2.60%
EV / EBITDA (TTM)16.45x
EPS Incl Extra (Annual)$1.41
3-Month Avg Trading Volume0.01M
52-Week Price Return17.17%
P/E Incl Extra (TTM)11.93x
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 Return19.55%
13-Week Price Return4.54%
Total Debt / Equity (Annual)0.80x
Enterprise Value$155.41M
Revenue / Share Growth (5Y)5.99%
Book Value / Share Growth (5Y)0.80%
Revenue / Employee (Annual)$228,682,700,000
Pretax Margin (Annual)33.49%
Cash / Share (Annual)$1.40
3-Month Return Std Dev45.03%
Net Income / Employee (TTM)$62,300
EBITDA CAGR (5Y)11.82%
EBITDA Interim CAGR (5Y)14.71%
ROE (Last FY)10.99%
EPS Basic Excl Extra (Annual)$1.41
P/FCF (TTM)32.56x
EV / Free Cash Flow (TTM)86.86x
Total Debt / Equity (Quarterly)0.93x
EPS Incl Extra (TTM)$1.42
ROI (TTM)6.02%
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/E10.59x
Price vs S&P 500 (52W)-7.20%
P/E Ratio (TTM)11.93x
EPS Growth TTM (YoY)8.04%
Year-to-Date Return10.80%
5-Day Price Return0.13%
EPS Normalized (Annual)$1.41
ROA (5Y Avg)1.07%
Net Profit Margin (Annual)30.41%
Month-to-Date Return3.18%
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)9.62x
ROI (5Y Avg)7.39%
P/E Excl Extra (TTM)11.93x
LT Debt / Equity (Quarterly)0.35x
EPS Basic Excl Extra (TTM)$1.42
P/TBV (Quarterly)1.18x
Payout Ratio (Annual)70.73%
P/B Ratio (Annual)1.18x
Dividend / Share (TTM)$0.93
Pretax Margin (TTM)31.50%
Book Value / Share (Annual)$11.85
Price vs S&P 500 (13W)-3.72%
Net Margin Growth (5Y)9.34%
Dividend Yield (TTM)5.97%
Beta0.35x
P/FCF (Annual)11.09x
Revenue / Share (TTM)$5.46
ROE (TTM)11.80%
52-Week Low$12.47
vGradeC
gGradeD
mGradeC
vgmGradeC
Show chart for
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.14
4.14
4.14
4.14
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
UBCPUnited Bancorp Inc/OH | C | D | C | $15.90 |
| BNSBank of Nova Scotia | C | C | B | $80.56 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.54 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $31.51 |
| FITBFifth Third Bancorp | D | C | B | $52.01 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | B | $25.73 |
| 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 | D | C | B | $26.02 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | B | $18.36 |
| STTState Street Corporation | C | C | A | $161.75 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | A | D | F | $3.36 |
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.