UNITED BANCORP INC/OHIO (UBCP) Stock Fundamental Analysis
USA - NASDAQ:UBCP - US9099111091 - Common Stock
12.6601 USD
-0.24 (-1.86%)
We assign a fundamental rating of 3 out of 10 to UBCP. UBCP was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of UBCP have multiple concerns. 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
In the past year UBCP was profitable.
In the past year UBCP had a positive cash flow from operations.
UBCP had positive earnings in each of the past 5 years.
Each year in the past 5 years UBCP had a positive operating cash flow.
1.2 Ratios
UBCP has a Return On Assets of 0.84%. This is comparable to the rest of the industry: UBCP outperforms 48.46% of its industry peers.
Looking at the Return On Equity, with a value of 11.91%, UBCP belongs to the top of the industry, outperforming 81.54% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 23.37%, UBCP is in line with its industry, outperforming 48.21% of the companies in the same industry.
UBCP's Profit Margin has declined 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) | 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.
UBCP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for UBCP has been increased compared to 5 years ago.
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's Debt to FCF ratio of 68.11 is on the low side compared to the rest of the industry. UBCP is outperformed by 84.87% of its industry peers.
UBCP has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
UBCP's Debt to Equity ratio of 1.05 is on the low side compared to the rest of the industry. UBCP is outperformed by 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 68.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.07%
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.
The Revenue for UBCP has decreased by -16.49% in the past year. This is quite bad
Measured over the past years, UBCP shows a small growth in Revenue. The Revenue has been growing by 3.36% on average per year.
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
UBCP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.92% yearly.
UBCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.81, the valuation of UBCP can be described as reasonable.
Based on the Price/Earnings ratio, UBCP is valued a bit cheaper than 71.79% of the companies in the same industry.
When comparing the Price/Earnings ratio of UBCP to the average of the S&P500 Index (25.83), we can say UBCP is valued rather cheaply.
The Price/Forward Earnings ratio is 8.01, which indicates a very decent valuation of UBCP.
80.51% of the companies in the same industry are more expensive than UBCP, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, UBCP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | 8.01 |
4.2 Price Multiples
UBCP's Price/Free Cash Flow ratio is rather expensive when compared to the industry. UBCP is more expensive than 81.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 79.75 | ||
| 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.
A more expensive valuation may be justified as UBCP's earnings are expected to grow with 12.92% in the coming years.
PEG (NY)1.75
PEG (5Y)7.08
EPS Next 2Y11.36%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.61%, UBCP is a good candidate for dividend investing.
UBCP's Dividend Yield is rather good when compared to the industry average which is at 3.42. UBCP pays more dividend than 90.00% of the companies in the same industry.
UBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 (11/7/2025, 8:23:26 PM)
12.6601
-0.24 (-1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.6%
Inst Owner Change0.16%
Ins Owners8.05%
Ins Owner Change1.12%
Market Cap73.05M
Revenue(TTM)30.41M
Net Income(TTM)7.11M
Analysts82.86
Price Target20.4 (61.14%)
Short Float %0.13%
Short Ratio1.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
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 | 9.81 | ||
| Fwd PE | 8.01 | ||
| P/S | 2.4 | ||
| P/FCF | 79.75 | ||
| P/OCF | 6.87 | ||
| P/B | 1.22 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY10.19%
EPS(NY)1.58
Fwd EY12.49%
FCF(TTM)0.16
FCFY1.25%
OCF(TTM)1.84
OCFY14.55%
SpS5.27
BVpS10.34
TBVpS10.21
PEG (NY)1.75
PEG (5Y)7.08
Graham Number17.32
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC10.07%
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%
UNITED BANCORP INC/OHIO / UBCP FAQ
What is the ChartMill fundamental rating of UNITED BANCORP INC/OHIO (UBCP) stock?
ChartMill assigns a fundamental rating of 3 / 10 to UBCP.
What is the valuation status for UBCP stock?
ChartMill assigns a valuation rating of 5 / 10 to UNITED BANCORP INC/OHIO (UBCP). This can be considered as Fairly Valued.
How profitable is UNITED BANCORP INC/OHIO (UBCP) stock?
UNITED BANCORP INC/OHIO (UBCP) has a profitability rating of 3 / 10.
Can you provide the financial health for UBCP stock?
The financial health rating of UNITED BANCORP INC/OHIO (UBCP) is 0 / 10.
Is the dividend of UNITED BANCORP INC/OHIO sustainable?
The dividend rating of UNITED BANCORP INC/OHIO (UBCP) is 8 / 10 and the dividend payout ratio is 75.58%.