UNITED BANCORP INC/OHIO (UBCP)
US9099111091 - Common Stock
Taking everything into account, UBCP scores 4 out of 10 in our fundamental rating. UBCP was compared to 412 industry peers in the Banks industry. There are concerns on the financial health of UBCP while its profitability can be described as average. UBCP is not valued too expensively and it also shows a decent growth rate. UBCP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UBCP had positive earnings in the past year.
UBCP had a positive operating cash flow in the past year.
In the past 5 years UBCP has always been profitable.
Each year in the past 5 years UBCP had a positive operating cash flow.
1.2 Ratios
UBCP's Return On Assets of 1.05% is fine compared to the rest of the industry. UBCP outperforms 65.53% of its industry peers.
With an excellent Return On Equity value of 13.52%, UBCP belongs to the best of the industry, outperforming 85.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 13.52% | ||
| ROIC | N/A |
ROA(3y)1.12%
ROA(5y)1.08%
ROE(3y)13.25%
ROE(5y)12.35%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UBCP has a Profit Margin of 28.75%. This is in the better half of the industry: UBCP outperforms 71.84% of its industry peers.
UBCP's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for UBCP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.75% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.27%
PM growth 5Y9.02%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UBCP has been reduced compared to 1 year ago.
The number of shares outstanding for UBCP has been reduced compared to 5 years ago.
UBCP has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UBCP is 6.36, which is on the high side as it means it would take UBCP, 6.36 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.36, UBCP is doing worse than 72.33% of the companies in the same industry.
UBCP has a Debt/Equity ratio of 0.84. This is a neutral value indicating UBCP is somewhat dependend on debt financing.
UBCP's Debt to Equity ratio of 0.84 is on the low side compared to the rest of the industry. UBCP is outperformed by 80.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | 6.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBCP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.20%.
UBCP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.80% yearly.
The Revenue has been growing slightly by 4.99% in the past year.
UBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.52% yearly.
EPS 1Y (TTM)3.2%
EPS 3Y4.28%
EPS 5Y13.8%
EPS growth Q2Q4.56%
Revenue 1Y (TTM)4.99%
Revenue growth 3Y0.09%
Revenue growth 5Y6.52%
Revenue growth Q2Q-1.05%
3.2 Future
Based on estimates for the next years, UBCP will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.63% on average per year.
Based on estimates for the next years, UBCP will show a quite strong growth in Revenue. The Revenue will grow by 8.23% on average per year.
EPS Next Y6%
EPS Next 2Y8.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.58%
Revenue Next 2Y8.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
UBCP is valuated cheaply with a Price/Earnings ratio of 7.78.
Compared to the rest of the industry, the Price/Earnings ratio of UBCP indicates a somewhat cheap valuation: UBCP is cheaper than 76.94% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.02, UBCP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.48, the valuation of UBCP can be described as very cheap.
Based on the Price/Forward Earnings ratio, UBCP is valued cheaper than 87.38% of the companies in the same industry.
UBCP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.58.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 7.48 |
4.2 Price Multiples
UBCP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UBCP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.3
PEG (5Y)0.56
EPS Next 2Y8.63%
EPS Next 3YN/A
5. Dividend
5.1 Amount
UBCP has a Yearly Dividend Yield of 5.59%, which is a nice return.
Compared to an average industry Dividend Yield of 3.76, UBCP pays a better dividend. On top of this UBCP pays more dividend than 88.35% of the companies listed in the same industry.
UBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
5.2 History
On average, the dividend of UBCP grows each year by 7.36%, which is quite nice.
UBCP has been paying a dividend for at least 10 years, so it has a reliable track record.
UBCP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.36%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
UBCP pays out 55.71% of its income as dividend. This is a bit on the high side, but may be sustainable.
UBCP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP55.71%
EPS Next 2Y8.63%
EPS Next 3YN/A
UNITED BANCORP INC/OHIO
NASDAQ:UBCP (5/6/2024, 7:00:02 PM)
After market: 11.52 -0.61 (-5.03%)12.13
-0.12 (-0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap69.14M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 7.48 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.3
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 13.52% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.75% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)3.2%
EPS 3Y4.28%
EPS 5Y
EPS growth Q2Q
EPS Next Y6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.99%
Revenue growth 3Y0.09%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y