United Bancorp, Inc. (UBCP)

United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $84.36 million. The enterprise value is $186.05 million.

Market Cap	84.36M
Enterprise Value	186.05M

Important Dates

The next estimated earnings date is Friday, February 6, 2026.

Earnings Date	Feb 6, 2026
Ex-Dividend Date	Dec 10, 2025

Share Statistics

United Bancorp has 5.77 million shares outstanding. The number of shares has decreased by -1.60% in one year.

Current Share Class	5.77M
Shares Outstanding	5.77M
Shares Change (YoY)	-1.60%
Shares Change (QoQ)	-0.09%
Owned by Insiders (%)	8.05%
Owned by Institutions (%)	11.62%
Float	4.91M

Valuation Ratios

The trailing PE ratio is 11.15 and the forward PE ratio is 11.07.

PE Ratio	11.15
Forward PE	11.07
PS Ratio	2.62
Forward PS	n/a
PB Ratio	1.27
P/TBV Ratio	1.28
P/FCF Ratio	37.83
P/OCF Ratio	9.15
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	25.78
EV / Sales	6.10
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	83.43

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	66.07
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.47%.

Return on Equity (ROE)	11.47%
Return on Assets (ROA)	0.89%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$242,190
Profits Per Employee	$57,270
Employee Count	126
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-90,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +12.22% in the last 52 weeks. The beta is 0.40, so United Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	+12.22%
50-Day Moving Average	13.53
200-Day Moving Average	13.60
Relative Strength Index (RSI)	59.51
Average Volume (20 Days)	8,331

Short Selling Information

The latest short interest is 5,927, so 0.10% of the outstanding shares have been sold short.

Short Interest	5,927
Short Previous Month	5,630
Short % of Shares Out	0.10%
Short % of Float	0.12%
Short Ratio (days to cover)	0.83

Income Statement

In the last 12 months, United Bancorp had revenue of $30.52 million and earned $7.22 million in profits. Earnings per share was $1.31.

Revenue	30.52M
Gross Profit	30.52M
Operating Income	7.96M
Pretax Income	7.48M
Net Income	7.22M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.31

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 -$17.61 per share.

Cash & Cash Equivalents	45.65M
Total Debt	147.34M
Net Cash	-101.69M
Net Cash Per Share	-$17.61
Equity (Book Value)	66.47M
Book Value Per Share	11.51
Working Capital	-638.76M

Cash Flow

In the last 12 months, operating cash flow was $9.22 million and capital expenditures -$6.99 million, giving a free cash flow of $2.23 million.

Operating Cash Flow	9.22M
Capital Expenditures	-6.99M
Free Cash Flow	2.23M
FCF Per Share	$0.39

Margins

Gross Margin	n/a
Operating Margin	26.07%
Pretax Margin	24.50%
Profit Margin	24.79%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	7.31%

Dividends & Yields

This stock pays an annual dividend of $0.94, which amounts to a dividend yield of 6.40%.

Dividend Per Share	$0.94
Dividend Yield	6.40%
Dividend Growth (YoY)	7.60%
Years of Dividend Growth	6
Payout Ratio	70.22%
Buyback Yield	1.60%
Shareholder Yield	8.00%
Earnings Yield	8.55%
FCF Yield	2.64%

Analyst Forecast

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

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	4