United Bancorp Statistics
Total Valuation
United Bancorp has a market cap or net worth of $91.57 million. The enterprise value is $181.40 million.
| Market Cap | 91.57M |
| Enterprise Value | 181.40M |
Important Dates
The next estimated earnings date is Thursday, July 30, 2026.
| Earnings Date | Jul 30, 2026 |
| Ex-Dividend Date | Jun 10, 2026 |
Share Statistics
United Bancorp has 5.78 million shares outstanding. The number of shares has decreased by -1.47% in one year.
| Current Share Class | 5.78M |
| Shares Outstanding | 5.78M |
| Shares Change (YoY) | -1.47% |
| Shares Change (QoQ) | +0.21% |
| Owned by Insiders (%) | 9.93% |
| Owned by Institutions (%) | 12.45% |
| Float | 4.81M |
Valuation Ratios
The trailing PE ratio is 11.73 and the forward PE ratio is 11.73.
| PE Ratio | 11.73 |
| Forward PE | 11.73 |
| PS Ratio | 2.82 |
| Forward PS | n/a |
| PB Ratio | 1.35 |
| P/TBV Ratio | 1.36 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 9.44 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 24.48 |
| EV / Sales | 5.62 |
| 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 12.15%.
| Return on Equity (ROE) | 12.15% |
| 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) | 2.73% |
| Revenue Per Employee | $242,699 |
| Profits Per Employee | $55,714 |
| Employee Count | 133 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -220,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +11.55% in the last 52 weeks. The beta is 0.36, so United Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.36 |
| 52-Week Price Change | +11.55% |
| 50-Day Moving Average | 15.76 |
| 200-Day Moving Average | 14.55 |
| Relative Strength Index (RSI) | 50.69 |
| Average Volume (20 Days) | 9,526 |
Short Selling Information
The latest short interest is 13,903, so 0.24% of the outstanding shares have been sold short.
| Short Interest | 13,903 |
| Short Previous Month | 8,826 |
| Short % of Shares Out | 0.24% |
| Short % of Float | 0.29% |
| Short Ratio (days to cover) | 1.72 |
Income Statement
In the last 12 months, United Bancorp had revenue of $32.28 million and earned $7.41 million in profits. Earnings per share was $1.35.
| Revenue | 32.28M |
| Gross Profit | 32.28M |
| Operating Income | 8.81M |
| Pretax Income | 7.57M |
| Net Income | 7.41M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.35 |
Balance Sheet
The company has $27.24 million in cash and $117.48 million in debt, with a net cash position of -$90.24 million or -$15.61 per share.
| Cash & Cash Equivalents | 27.24M |
| Total Debt | 117.48M |
| Net Cash | -90.24M |
| Net Cash Per Share | -$15.61 |
| Equity (Book Value) | 67.50M |
| Book Value Per Share | 11.68 |
| Working Capital | -669.13M |
Cash Flow
In the last 12 months, operating cash flow was $9.66 million and capital expenditures -$12.16 million, giving a free cash flow of -$2.51 million.
| Operating Cash Flow | 9.66M |
| Capital Expenditures | -12.16M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -21.95M |
| Free Cash Flow | -2.51M |
| FCF Per Share | -$0.43 |
Margins
| Gross Margin | n/a |
| Operating Margin | 27.29% |
| Pretax Margin | 23.46% |
| Profit Margin | 24.14% |
| 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 6.03%.
| Dividend Per Share | $0.96 |
| Dividend Yield | 6.03% |
| Dividend Growth (YoY) | 4.44% |
| Years of Dividend Growth | 6 |
| Payout Ratio | 69.62% |
| Buyback Yield | 1.47% |
| Shareholder Yield | 7.50% |
| Earnings Yield | 8.13% |
| FCF Yield | -2.75% |
Analyst Forecast
The average price target for United Bancorp is $20.00, which is 26.26% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $20.00 |
| Price Target Difference | 26.26% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 1 |
| 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 | 4 |