United Bancorp, Inc. (UBCP)

United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $77.52 million. The enterprise value is $180.44 million.

Market Cap	77.52M
Enterprise Value	180.44M

Important Dates

The next estimated earnings date is Wednesday, August 6, 2025.

Earnings Date	Aug 6, 2025
Ex-Dividend Date	Jun 10, 2025

Share Statistics

United Bancorp has 5.79 million shares outstanding. The number of shares has increased by 1.13% in one year.

Current Share Class	5.79M
Shares Outstanding	5.79M
Shares Change (YoY)	+1.13%
Shares Change (QoQ)	-1.11%
Owned by Insiders (%)	8.41%
Owned by Institutions (%)	10.94%
Float	4.91M

Valuation Ratios

The trailing PE ratio is 10.79 and the forward PE ratio is 10.14. United Bancorp's PEG ratio is 1.43.

PE Ratio	10.79
Forward PE	10.14
PS Ratio	2.57
Forward PS	n/a
PB Ratio	1.29
P/TBV Ratio	1.29
P/FCF Ratio	n/a
P/OCF Ratio	13.15
PEG Ratio	1.43

Enterprise Valuation

EV / Earnings	26.05
EV / Sales	6.13
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 11.74%.

Return on Equity (ROE)	11.74%
Return on Assets (ROA)	0.87%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$233,429
Profits Per Employee	$54,984
Employee Count	126
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-283,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +11.59% in the last 52 weeks. The beta is 0.37, so United Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.37
52-Week Price Change	+11.59%
50-Day Moving Average	13.06
200-Day Moving Average	13.01
Relative Strength Index (RSI)	50.81
Average Volume (20 Days)	4,532

Short Selling Information

The latest short interest is 8,875, so 0.15% of the outstanding shares have been sold short.

Short Interest	8,875
Short Previous Month	7,725
Short % of Shares Out	0.15%
Short % of Float	0.18%
Short Ratio (days to cover)	2.29

Income Statement

In the last 12 months, United Bancorp had revenue of $29.41 million and earned $6.93 million in profits. Earnings per share was $1.24.

Revenue	29.41M
Gross Profit	29.41M
Operating Income	7.51M
Pretax Income	9.63M
Net Income	6.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.24

Balance Sheet

The company has $36.40 million in cash and $139.32 million in debt, giving a net cash position of -$102.92 million or -$17.76 per share.

Cash & Cash Equivalents	36.40M
Total Debt	139.32M
Net Cash	-102.92M
Net Cash Per Share	-$17.76
Equity (Book Value)	60.80M
Book Value Per Share	10.49
Working Capital	-619.03M

Cash Flow

In the last 12 months, operating cash flow was $5.90 million and capital expenditures -$7.96 million, giving a free cash flow of -$2.06 million.

Operating Cash Flow	5.90M
Capital Expenditures	-7.96M
Free Cash Flow	-2.06M
FCF Per Share	-$0.36

Margins

Gross Margin	n/a
Operating Margin	25.52%
Pretax Margin	23.79%
Profit Margin	24.76%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.90, which amounts to a dividend yield of 6.73%.

Dividend Per Share	$0.90
Dividend Yield	6.73%
Dividend Growth (YoY)	7.78%
Years of Dividend Growth	5
Payout Ratio	72.56%
Buyback Yield	-1.13%
Shareholder Yield	5.50%
Earnings Yield	8.94%
FCF Yield	-2.66%

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	3