United Bancorp, Inc. (UBCP)

United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $90.09 million. The enterprise value is $175.99 million.

Market Cap	90.09M
Enterprise Value	175.99M

Important Dates

The next estimated earnings date is Friday, May 8, 2026.

Earnings Date	May 8, 2026
Ex-Dividend Date	Mar 10, 2026

Share Statistics

United Bancorp has 5.76 million shares outstanding. The number of shares has decreased by -0.86% in one year.

Current Share Class	5.76M
Shares Outstanding	5.76M
Shares Change (YoY)	-0.86%
Shares Change (QoQ)	-0.01%
Owned by Insiders (%)	8.08%
Owned by Institutions (%)	12.11%
Float	4.90M

Valuation Ratios

The trailing PE ratio is 11.68 and the forward PE ratio is 11.59.

PE Ratio	11.68
Forward PE	11.59
PS Ratio	2.87
Forward PS	n/a
PB Ratio	1.35
P/TBV Ratio	1.31
P/FCF Ratio	n/a
P/OCF Ratio	8.73
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.83
EV / Sales	5.53
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 11.57%.

Return on Equity (ROE)	11.57%
Return on Assets (ROA)	0.93%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.61%
Revenue Per Employee	$239,135
Profits Per Employee	$55,526
Employee Count	133
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-86,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +22.65% 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	+22.65%
50-Day Moving Average	14.84
200-Day Moving Average	14.07
Relative Strength Index (RSI)	47.46
Average Volume (20 Days)	8,366

Short Selling Information

The latest short interest is 7,123, so 0.12% of the outstanding shares have been sold short.

Short Interest	7,123
Short Previous Month	6,560
Short % of Shares Out	0.12%
Short % of Float	0.15%
Short Ratio (days to cover)	1.51

Income Statement

In the last 12 months, United Bancorp had revenue of $31.81 million and earned $7.39 million in profits. Earnings per share was $1.34.

Revenue	31.81M
Gross Profit	31.81M
Operating Income	8.94M
Pretax Income	7.67M
Net Income	7.39M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.34

Balance Sheet

The company has $46.53 million in cash and $131.27 million in debt, with a net cash position of -$84.74 million or -$14.72 per share.

Cash & Cash Equivalents	46.53M
Total Debt	131.27M
Net Cash	-84.74M
Net Cash Per Share	-$14.72
Equity (Book Value)	70.52M
Book Value Per Share	12.25
Working Capital	-618.54M

Cash Flow

In the last 12 months, operating cash flow was $10.46 million and capital expenditures -$11.78 million, giving a free cash flow of -$1.32 million.

Operating Cash Flow	10.46M
Capital Expenditures	-11.78M
Depreciation & Amortization	n/a
Net Borrowing	-1.09M
Free Cash Flow	-1.32M
FCF Per Share	-$0.23

Margins

Gross Margin	n/a
Operating Margin	28.10%
Pretax Margin	24.11%
Profit Margin	24.38%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.94, which amounts to a dividend yield of 5.97%.

Dividend Per Share	$0.94
Dividend Yield	5.97%
Dividend Growth (YoY)	4.49%
Years of Dividend Growth	6
Payout Ratio	69.40%
Buyback Yield	0.86%
Shareholder Yield	6.76%
Earnings Yield	8.09%
FCF Yield	-1.45%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	0.77%
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	4