United Bancorp, Inc. (UBCP)

United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $82.86 million. The enterprise value is $170.56 million.

Market Cap	82.86M
Enterprise Value	170.56M

Important Dates

The last earnings date was Thursday, July 31, 2025.

Earnings Date	Jul 31, 2025
Ex-Dividend Date	Sep 10, 2025

Share Statistics

United Bancorp has 5.77 million shares outstanding. The number of shares has increased by 0.15% in one year.

Current Share Class	5.77M
Shares Outstanding	5.77M
Shares Change (YoY)	+0.15%
Shares Change (QoQ)	-1.35%
Owned by Insiders (%)	8.44%
Owned by Institutions (%)	10.70%
Float	4.89M

Valuation Ratios

The trailing PE ratio is 11.18 and the forward PE ratio is 10.87.

PE Ratio	11.18
Forward PE	10.87
PS Ratio	2.66
Forward PS	n/a
PB Ratio	1.39
P/TBV Ratio	1.41
P/FCF Ratio	90.46
P/OCF Ratio	7.92
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.91
EV / Sales	5.70
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	186.20

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	149.99
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.40%.

Return on Equity (ROE)	12.40%
Return on Assets (ROA)	0.89%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$237,373
Profits Per Employee	$56,611
Employee Count	126
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-135,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +25.20% in the last 52 weeks. The beta is 0.41, so United Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	+25.20%
50-Day Moving Average	14.12
200-Day Moving Average	13.36
Relative Strength Index (RSI)	56.74
Average Volume (20 Days)	1,797

Short Selling Information

The latest short interest is 15,965, so 0.28% of the outstanding shares have been sold short.

Short Interest	15,965
Short Previous Month	17,358
Short % of Shares Out	0.28%
Short % of Float	0.33%
Short Ratio (days to cover)	6.73

Income Statement

In the last 12 months, United Bancorp had revenue of $29.91 million and earned $7.13 million in profits. Earnings per share was $1.28.

Revenue	29.91M
Gross Profit	29.91M
Operating Income	7.72M
Pretax Income	9.63M
Net Income	7.13M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.28

Balance Sheet

The company has $49.69 million in cash and $137.39 million in debt, giving a net cash position of -$87.71 million or -$15.19 per share.

Cash & Cash Equivalents	49.69M
Total Debt	137.39M
Net Cash	-87.71M
Net Cash Per Share	-$15.19
Equity (Book Value)	59.66M
Book Value Per Share	10.33
Working Capital	-622.18M

Cash Flow

In the last 12 months, operating cash flow was $10.47 million and capital expenditures -$9.55 million, giving a free cash flow of $916,000.

Operating Cash Flow	10.47M
Capital Expenditures	-9.55M
Free Cash Flow	916,000
FCF Per Share	$0.16

Margins

Gross Margin	n/a
Operating Margin	25.83%
Pretax Margin	24.48%
Profit Margin	24.93%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	3.06%

Dividends & Yields

This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 6.38%.

Dividend Per Share	$0.92
Dividend Yield	6.38%
Dividend Growth (YoY)	7.69%
Years of Dividend Growth	5
Payout Ratio	70.88%
Buyback Yield	-0.15%
Shareholder Yield	6.23%
Earnings Yield	8.61%
FCF Yield	1.11%

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