United Bancorp Inc/OH (UBCP) — Analysis Summary
United Bancorp Inc/OH (UBCP) has a market cap of $82.08M with year-over-year revenue growth of +6.7%. Net margin stands at 29.3%. The stock trades at a P/E ratio of 10.5.
Key Takeaways
- Revenue changed +6.7% year-over-year
- Net margin of 29.3%
- P/E ratio of 10.5
Compared to other companies in the STATE COMMERCIAL BANKS sector, UBCP posted revenue growth of +6.7% and trades at a P/E of 10.5.
United Bancorp Inc/OH (UBCP)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 0.0x — earnings do not cover interest payments
The latest filing shows negative free cash flow.
United Bancorp Inc operates as a bank holding company that provides commercial and retail banking services. Through its subsidiary (Unified Bank), the company provides a broad range of banking and financial services, which include accepting demand, savings, and time deposits and granting commercial, real estate, and consumer loans. The Company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. The bank also operates in Marshall County, West Virginia.
Sector
STATE COMMERCIAL BANKS
Employees
133
Headquarters
MARTINS FERRY, OH
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$0.79
Dividend Yield
5.52%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.