United Bancorp Inc/OH (UBCP) Stock Price

UBCPStock

$13.40−25.57%52W

Market Cap$76.86M

P/E9.91x

PEG Ratio—

Div yield6.08%

Beta0.31

UBCP Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-22.67%

Price vs S&P 500 (4W)-14.13%

VGM Score33.04

P/E Ratio (Annual)9.91x

Indicated Dividend Yield (Annual)6.08%

P/CF (Annual)7.35x

Book Value / Share (Quarterly)$12.13

P/TBV (Annual)1.18x

Indicated Dividend (Annual)$0.79

Revenue Growth (3Y)0.77%

Cash Flow / Share (Quarterly)$-0.69

Payout Ratio (TTM)70.30%

Price vs S&P 500 (YTD)-17.31%

Net Profit Margin (TTM)29.59%

EPS (TTM)$1.45

10-Day Avg Trading Volume0.01M

EPS Excl Extra (TTM)$1.45

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)9.64x

Revenue Growth QoQ (YoY)32.26%

EPS Growth (5Y)-0.62%

P/E Normalized (Annual)9.91x

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 Ratio1.07x

P/B Ratio (Quarterly)1.27x

Net Income / Employee (Annual)$62,000

ROA (TTM)0.92%

EPS Growth QoQ (YoY)9.81%

EV / EBITDA (TTM)16.45x

EPS Incl Extra (Annual)$1.41

3-Month Avg Trading Volume0.01M

52-Week Price Return-25.57%

P/E Incl Extra (TTM)9.64x

Tangible BV / Share (Quarterly)$12.13

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 Return-12.76%

13-Week Price Return-12.53%

Total Debt / Equity (Annual)0.80x

Enterprise Value$133.14M

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 Dev34.23%

Net Income / Employee (TTM)$63,800

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)26.93x

EV / Free Cash Flow (TTM)86.86x

Total Debt / Equity (Quarterly)0.78x

EPS Incl Extra (TTM)$1.45

ROI (TTM)6.09%

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/E10.83x

Price vs S&P 500 (52W)-34.25%

P/E Ratio (TTM)9.64x

EPS Growth TTM (YoY)7.41%

Year-to-Date Return-6.62%

5-Day Price Return-6.36%

EPS Normalized (Annual)$1.41

ROA (5Y Avg)1.07%

Net Profit Margin (Annual)30.41%

Month-to-Date Return-9.40%

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)11.12x

ROI (5Y Avg)7.39%

P/E Excl Extra (TTM)9.64x

LT Debt / Equity (Quarterly)0.33x

EPS Basic Excl Extra (TTM)$1.45

P/TBV (Quarterly)1.27x

Payout Ratio (Annual)70.73%

P/B Ratio (Annual)1.18x

Dividend / Share (TTM)$0.94

Pretax Margin (TTM)31.50%

Book Value / Share (Annual)$11.85

Price vs S&P 500 (13W)-15.22%

Net Margin Growth (5Y)9.34%

Dividend Yield (TTM)7.29%

Beta0.31x

P/FCF (Annual)9.17x

Revenue / Share (TTM)$5.46

ROE (TTM)11.53%

52-Week Low$12.55

vGradeC

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mGradeF

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UBCP Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.14

Industry Peers — State Banks(190)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
UBCPUnited Bancorp Inc/OH	C	D	F	1.3x	11.5%	0.9%	—	$13.40
BNSBank of Nova Scotia	D	C	A	1.7x	11.4%	0.7%	—	$91.60
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	C	2.2x	22.1%	1.5%	—	$9.44
BNYBank of New York Mellon Corporation	F	C	C	2.3x	14.8%	1.3%	—	$143.30
DBDeutsche Bank Aktiengesellschaft	A	C	D	0.7x	9.3%	0.5%	—	$32.57
XLFState Street Financial Select Sector SPDR ETF	—	—	C	—	—	—	—	$55.52
FITBFifth Third Bancorp	D	C	D	1.2x	8.9%	0.9%	—	$50.37
STTState Street Corporation	C	B	C	1.7x	13.1%	0.9%	—	$165.72
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	C	1.0x	14.3%	1.1%	—	$3.96
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	B	C	C	1.0x	14.3%	1.1%	—	$3.55
MTBM&T Bank Corp.	B	B	D	1.2x	10.7%	1.4%	—	$215.28
NTRSNorthern Trust Corp	D	C	C	2.4x	17.1%	1.3%	—	$165.54
CFGCitizens Financial Group, Inc.	C	C	D	1.1x	8.1%	0.9%	—	$63.36
FCNCAFirst Citizens BancShares Inc	C	B	B	1.1x	10.7%	1.0%	—	$2123.74
EWBCEast-West Bancorp Inc	C	B	C	1.9x	16.2%	1.8%	—	$126.88
ALLYAlly Financial Inc.	A	C	F	0.9x	9.4%	0.7%	—	$37.68
BPOPPopular Inc	C	C	B	1.6x	15.4%	1.3%	—	$158.89
SSBSouthState Bank Corporation	C	B	C	1.1x	10.5%	1.4%	—	$102.06
WTFCWintrust Financial Corp	B	B	D	1.4x	12.3%	1.3%	—	$144.08
PBProsperity Bancshares Inc	D	D	D	0.9x	7.1%	1.4%	—	$67.79
WALWestern Alliance Bancorporation	B	B	D	1.1x	12.9%	1.0%	—	$74.51
COLBColumbia Banking Systems Inc	B	C	D	1.2x	9.2%	1.1%	—	$28.44
CBCCentral Bancompany, Inc. Class A Common Stock	F	B	A	1.9x	11.7%	2.1%	—	$33.42
CBSHCommerce Bancshares Inc	C	D	C	1.9x	14.4%	1.7%	—	$55.69
UBSIUnited Bankshares Inc	C	C	B	1.1x	9.4%	1.5%	—	$46.69
HWCHancock Whitney Corporation Common Stock	C	C	C	1.4x	9.6%	1.2%	—	$73.03
HOMBHome BancShares, Inc.	C	D	C	1.2x	10.9%	2.0%	—	$29.20
GBCIGlacier Bancorp Inc	D	C	D	1.6x	7.6%	1.0%	—	$43.83
ASBAssociated Banc-Corp	B	C	C	0.9x	9.9%	1.1%	—	$28.96
AUBAtlantic Union Bankshares Corporation	C	B	D	1.2x	9.7%	1.3%	—	$38.11
ABCBAmeris Bancorp	C	C	D	1.5x	9.3%	1.4%	—	$79.72
FFINFirst Financial Bankshares Inc	D	D	F	2.5x	14.3%	1.8%	—	$30.47
SFBSServisFirst Bancshares Inc.	D	B	D	2.4x	17.1%	1.8%	—	$39.36
IBOCInternational Bancshares Corp	C	C	D	1.4x	12.7%	2.5%	—	$67.34
FBPFirst BanCorp.	C	C	B	2.0x	19.0%	1.9%	—	$27.37
UCBUnited Community Banks, Inc.	C	B	C	1.1x	10.3%	1.3%	—	$34.09
CATYCathay General Bancorp	C	C	C	1.4x	11.7%	1.4%	—	$59.96
TCBITexas Capital Bancshares, Inc. Common Stock, par value $0.01 per share	C	C	D	1.2x	10.0%	1.1%	—	$91.15
CVBFCVB Financial Corp	C	D	C	1.3x	8.2%	1.2%	—	$21.87
INDBIndependent Bank Corp/MA	C	C	C	1.2x	7.7%	1.1%	—	$79.88
RNSTRenasant Corporation	C	B	C	1.0x	8.1%	1.2%	—	$39.91
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	1.1x	9.6%	1.2%	—	$34.82
MCHBMechanics Bancorp Class A Common Stock	D	C	D	1.2x	9.9%	1.2%	—	$14.35
SBCFSeacoast Banking Corp of Florida	D	B	C	1.1x	5.6%	0.8%	—	$32.54
FHBFirst Hawaiian, Inc. Common Stock	B	D	D	1.3x	10.3%	1.2%	—	$24.95
BOHBank of Hawaii Corp.	C	C	D	1.7x	12.8%	1.0%	—	$67.23
FBKFB Financial Corporation	D	B	F	1.3x	12.0%	1.4%	—	$51.54
CUBICUSTOMERS BANCORP INC	B	B	C	1.2x	13.6%	1.1%	—	$74.78
FBNCFirst Bancorp/NC	D	B	C	1.5x	8.0%	1.0%	—	$60.36
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	1.0x	9.5%	1.3%	—	$29.43
SYBTStock Yards Bancorp, Inc.	D	C	C	1.8x	13.4%	1.6%	—	$76.69

About United Bancorp Inc/OH

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.