United Bancorp, Inc. (UBCP)

United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $83.90 million. The enterprise value is $185.58 million.

Market Cap	83.90M
Enterprise Value	185.58M

Important Dates

The last earnings date was Tuesday, February 3, 2026.

Earnings Date	Feb 3, 2026
Ex-Dividend Date	Dec 10, 2025

Share Statistics

United Bancorp has 5.77 million shares outstanding. The number of shares has decreased by -0.86% in one year.

Current Share Class	5.77M
Shares Outstanding	5.77M
Shares Change (YoY)	-0.86%
Shares Change (QoQ)	-0.01%
Owned by Insiders (%)	8.06%
Owned by Institutions (%)	11.49%
Float	4.91M

Valuation Ratios

The trailing PE ratio is 10.85 and the forward PE ratio is 10.77.

PE Ratio	10.85
Forward PE	10.77
PS Ratio	2.63
Forward PS	n/a
PB Ratio	1.26
P/TBV Ratio	1.28
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.94
EV / Sales	5.83
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.93%.

Return on Equity (ROE)	11.93%
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.32%
Revenue Per Employee	$252,812
Profits Per Employee	$61,530
Employee Count	126
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-86,446
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +12.03% in the last 52 weeks. The beta is 0.39, so United Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.39
52-Week Price Change	+12.03%
50-Day Moving Average	14.08
200-Day Moving Average	13.74
Relative Strength Index (RSI)	57.35
Average Volume (20 Days)	3,387

Short Selling Information

The latest short interest is 5,230, so 0.09% of the outstanding shares have been sold short.

Short Interest	5,230
Short Previous Month	5,220
Short % of Shares Out	0.09%
Short % of Float	0.11%
Short Ratio (days to cover)	1.42

Income Statement

In the last 12 months, United Bancorp had revenue of $31.85 million and earned $7.75 million in profits. Earnings per share was $1.34.

Revenue	31.85M
Gross Profit	31.85M
Operating Income	7.67M
Pretax Income	7.67M
Net Income	7.75M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.34

Balance Sheet

The company has $45.65 million in cash and $147.34 million in debt, with a net cash position of -$101.69 million or -$17.62 per share.

Cash & Cash Equivalents	45.65M
Total Debt	147.34M
Net Cash	-101.69M
Net Cash Per Share	-$17.62
Equity (Book Value)	66.47M
Book Value Per Share	11.51
Working Capital	n/a

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	24.07%
Pretax Margin	24.07%
Profit Margin	24.34%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.94, which amounts to a dividend yield of 6.43%.

Dividend Per Share	$0.94
Dividend Yield	6.43%
Dividend Growth (YoY)	7.60%
Years of Dividend Growth	6
Payout Ratio	68.66%
Buyback Yield	0.86%
Shareholder Yield	7.29%
Earnings Yield	9.24%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	0.77%
EPS Growth Forecast (5Y)	10.04%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 29, 2006. It was a forward split with a ratio of 1.1:1.

Last Split Date	Nov 29, 2006
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	1