United Bancorp, Inc. (UBCP)

United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $89.29 million. The enterprise value is $151.15 million.

Market Cap	89.29M
Enterprise Value	151.15M

Important Dates

The last earnings date was Thursday, May 7, 2026.

Earnings Date	May 7, 2026
Ex-Dividend Date	Jun 10, 2026

Share Statistics

United Bancorp has 5.76 million shares outstanding. The number of shares has decreased by -1.42% in one year.

Current Share Class	5.76M
Shares Outstanding	5.76M
Shares Change (YoY)	-1.42%
Shares Change (QoQ)	+5.55%
Owned by Insiders (%)	9.32%
Owned by Institutions (%)	11.99%
Float	4.83M

Valuation Ratios

The trailing PE ratio is 11.48 and the forward PE ratio is 11.49.

PE Ratio	11.48
Forward PE	11.49
PS Ratio	2.72
Forward PS	n/a
PB Ratio	1.31
P/TBV Ratio	1.31
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	20.36
EV / Sales	4.68
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)	3.13%
Revenue Per Employee	$242,702
Profits Per Employee	$55,819
Employee Count	133
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-219,711
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +24.88% in the last 52 weeks. The beta is 0.38, so United Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	+24.88%
50-Day Moving Average	15.83
200-Day Moving Average	14.37
Relative Strength Index (RSI)	45.10
Average Volume (20 Days)	9,547

Short Selling Information

The latest short interest is 8,940, so 0.16% of the outstanding shares have been sold short.

Short Interest	8,940
Short Previous Month	9,499
Short % of Shares Out	0.16%
Short % of Float	0.19%
Short Ratio (days to cover)	0.46

Income Statement

In the last 12 months, United Bancorp had revenue of $32.28 million and earned $7.42 million in profits. Earnings per share was $1.35.

Revenue	32.28M
Gross Profit	32.28M
Operating Income	8.84M
Pretax Income	7.57M
Net Income	7.42M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.35

Balance Sheet

The company has $27.24 million in cash and $90.60 million in debt, with a net cash position of -$63.36 million or -$11.01 per share.

Cash & Cash Equivalents	27.24M
Total Debt	90.60M
Net Cash	-63.36M
Net Cash Per Share	-$11.01
Equity (Book Value)	67.50M
Book Value Per Share	11.66
Working Capital	-672.47M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	27.39%
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 6.16%.

Dividend Per Share	$0.96
Dividend Yield	6.16%
Dividend Growth (YoY)	4.44%
Years of Dividend Growth	6
Payout Ratio	69.59%
Buyback Yield	1.42%
Shareholder Yield	7.68%
Earnings Yield	8.46%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	0.80%
EPS Growth Forecast (5Y)	10.04%

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	2