United Bancorp Statistics
Total Valuation
United Bancorp has a market cap or net worth of $84.83 million. The enterprise value is $150.13 million.
| Market Cap | 84.83M |
| Enterprise Value | 150.13M |
Important Dates
The next estimated earnings date is Thursday, November 5, 2026.
| Earnings Date | Nov 5, 2026 |
| Ex-Dividend Date | Sep 10, 2026 |
Share Statistics
United Bancorp has 5.74 million shares outstanding. The number of shares has decreased by -1.42% in one year.
| Current Share Class | 5.74M |
| Shares Outstanding | 5.74M |
| Shares Change (YoY) | -1.42% |
| Shares Change (QoQ) | -0.44% |
| Owned by Insiders (%) | 10.07% |
| Owned by Institutions (%) | 13.32% |
| Float | 4.76M |
Valuation Ratios
The trailing PE ratio is 10.71 and the forward PE ratio is 10.96.
| PE Ratio | 10.71 |
| Forward PE | 10.96 |
| PS Ratio | 2.57 |
| Forward PS | n/a |
| PB Ratio | 1.18 |
| P/TBV Ratio | 1.19 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 12.27 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 19.81 |
| EV / Sales | 4.55 |
| 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 12.10%.
| Return on Equity (ROE) | 12.10% |
| Return on Assets (ROA) | 0.92% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.63% |
| Revenue Per Employee | $248,083 |
| Profits Per Employee | $56,970 |
| Employee Count | 133 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -276,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +4.70% in the last 52 weeks. The beta is 0.33, so United Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.33 |
| 52-Week Price Change | +4.70% |
| 50-Day Moving Average | 15.53 |
| 200-Day Moving Average | 15.25 |
| Relative Strength Index (RSI) | 42.03 |
| Average Volume (20 Days) | 8,012 |
Short Selling Information
The latest short interest is 7,243, so 0.13% of the outstanding shares have been sold short.
| Short Interest | 7,243 |
| Short Previous Month | 7,510 |
| Short % of Shares Out | 0.13% |
| Short % of Float | 0.15% |
| Short Ratio (days to cover) | 3.56 |
Income Statement
In the last 12 months, United Bancorp had revenue of $33.00 million and earned $7.58 million in profits. Earnings per share was $1.38.
| Revenue | 33.00M |
| Gross Profit | 33.00M |
| Operating Income | 8.90M |
| Pretax Income | 7.70M |
| Net Income | 7.58M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.38 |
Balance Sheet
The company has $45.98 million in cash and $111.28 million in debt, with a net cash position of -$65.30 million or -$11.38 per share.
| Cash & Cash Equivalents | 45.98M |
| Total Debt | 111.28M |
| Net Cash | -65.30M |
| Net Cash Per Share | -$11.38 |
| Equity (Book Value) | 72.09M |
| Book Value Per Share | 12.57 |
| Working Capital | -663.65M |
Cash Flow
In the last 12 months, operating cash flow was $6.91 million and capital expenditures -$11.02 million, giving a free cash flow of -$4.11 million.
| Operating Cash Flow | 6.91M |
| Capital Expenditures | -11.02M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -26.18M |
| Free Cash Flow | -4.11M |
| FCF Per Share | -$0.72 |
Margins
| Gross Margin | n/a |
| Operating Margin | 26.98% |
| Pretax Margin | 23.33% |
| Profit Margin | 24.16% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 6.46%.
| Dividend Per Share | $0.96 |
| Dividend Yield | 6.46% |
| Dividend Growth (YoY) | 4.40% |
| Years of Dividend Growth | 6 |
| Payout Ratio | 68.82% |
| FCF Payout Ratio | n/a |
| Buyback Yield | 1.42% |
| Shareholder Yield | 7.88% |
| Earnings Yield | 8.93% |
| FCF Yield | -4.85% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | 4.66% |
| EPS Growth Forecast (3Y) | 10.74% |
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 |