UNITED BANCORP INC/OHIO (UBCP) Stock Fundamental Analysis
USA - NASDAQ:UBCP - US9099111091 - Common Stock
13.25 USD
-0.01 (-0.08%)
Taking everything into account, UBCP scores 3 out of 10 in our fundamental rating. UBCP was compared to 392 industry peers in the Banks industry. UBCP has a bad profitability rating. Also its financial health evaluation is rather negative. UBCP has a decent growth rate and is not valued too expensively. Finally 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.
Each year in the past 5 years UBCP has 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 0.84% is in line compared to the rest of the industry. UBCP outperforms 48.98% of its industry peers.
UBCP's Return On Equity of 11.91% is amongst the best of the industry. UBCP outperforms 82.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 11.91% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)1.06%
ROE(3y)12.83%
ROE(5y)12.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UBCP's Profit Margin of 23.37% is in line compared to the rest of the industry. UBCP outperforms 48.98% of its industry peers.
In the last couple of years the Profit Margin of UBCP has declined.
UBCP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.9%
PM growth 5Y-1.79%
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 increased compared to 1 year ago.
Compared to 5 years ago, UBCP has more shares outstanding
Compared to 1 year ago, UBCP has a worse debt to assets ratio.
2.2 Solvency
UBCP has a debt to FCF ratio of 68.11. This is a negative value and a sign of low solvency as UBCP would need 68.11 years to pay back of all of its debts.
UBCP has a worse Debt to FCF ratio (68.11) than 84.69% of its industry peers.
A Debt/Equity ratio of 1.05 is on the high side and indicates that UBCP has dependencies on debt financing.
With a Debt to Equity ratio value of 1.05, UBCP is not doing good in the industry: 84.69% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 68.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for UBCP have decreased strongly by -28.79% in the last year.
UBCP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.39% yearly.
Looking at the last year, UBCP shows a very negative growth in Revenue. The Revenue has decreased by -16.49% in the last year.
UBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.36% yearly.
EPS 1Y (TTM)-28.79%
EPS 3Y-7.68%
EPS 5Y1.39%
EPS Q2Q%-47.79%
Revenue 1Y (TTM)-16.49%
Revenue growth 3Y1.7%
Revenue growth 5Y3.36%
Sales Q2Q%-44.42%
3.2 Future
The Earnings Per Share is expected to grow by 12.92% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.13% on average over the next years.
EPS Next Y5.6%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.41%
Revenue Next 3Y6.13%
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 accelerating.
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
Based on the Price/Earnings ratio of 10.27, the valuation of UBCP can be described as reasonable.
Based on the Price/Earnings ratio, UBCP is valued a bit cheaper than 76.28% of the companies in the same industry.
When comparing the Price/Earnings ratio of UBCP to the average of the S&P500 Index (27.91), we can say UBCP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.38, the valuation of UBCP can be described as reasonable.
77.55% of the companies in the same industry are more expensive than UBCP, based on the Price/Forward Earnings ratio.
UBCP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 8.38 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UBCP indicates a rather expensive valuation: UBCP more expensive than 81.63% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.46 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UBCP does not grow enough to justify the current Price/Earnings ratio.
UBCP's earnings are expected to grow with 12.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.83
PEG (5Y)7.41
EPS Next 2Y11.36%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
UBCP has a Yearly Dividend Yield of 5.30%, which is a nice return.
UBCP's Dividend Yield is rather good when compared to the industry average which is at 3.59. UBCP pays more dividend than 84.95% of the companies in the same industry.
UBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.3% |
5.2 History
On average, the dividend of UBCP grows each year by 9.53%, which is quite nice.
UBCP has paid a dividend for at least 10 years, which is a reliable track record.
UBCP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.53%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
UBCP pays out 75.58% of its income as dividend. This is not a sustainable payout ratio.
UBCP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP75.58%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
NASDAQ:UBCP (10/8/2025, 8:18:09 PM)
13.25
-0.01 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.6%
Inst Owner Change0%
Ins Owners8.05%
Ins Owner Change1.12%
Market Cap76.45M
Analysts82.86
Price Target20.4 (53.96%)
Short Float %0.14%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.3% |
Yearly Dividend0.86
Dividend Growth(5Y)9.53%
DP75.58%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 8.38 | ||
| P/S | 2.51 | ||
| P/FCF | 83.46 | ||
| P/OCF | 7.19 | ||
| P/B | 1.28 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY9.74%
EPS(NY)1.58
Fwd EY11.93%
FCF(TTM)0.16
FCFY1.2%
OCF(TTM)1.84
OCFY13.9%
SpS5.27
BVpS10.34
TBVpS10.21
PEG (NY)1.83
PEG (5Y)7.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 11.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.37% | ||
| GM | N/A | ||
| FCFM | 3.01% |
ROA(3y)1%
ROA(5y)1.06%
ROE(3y)12.83%
ROE(5y)12.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.9%
PM growth 5Y-1.79%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 68.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 674.91% | ||
| Cap/Sales | 31.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 12.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC10.11%
ROIC/WACCN/A
Cap/Depr(3y)309.02%
Cap/Depr(5y)235.98%
Cap/Sales(3y)12.85%
Cap/Sales(5y)9.96%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-28.79%
EPS 3Y-7.68%
EPS 5Y1.39%
EPS Q2Q%-47.79%
EPS Next Y5.6%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.49%
Revenue growth 3Y1.7%
Revenue growth 5Y3.36%
Sales Q2Q%-44.42%
Revenue Next Year7.23%
Revenue Next 2Y6.41%
Revenue Next 3Y6.13%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-89.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.12%
OCF growth 3Y1.04%
OCF growth 5Y-0.4%