UNITED BANCORP INC/OHIO (UBCP) Stock Fundamental Analysis
NASDAQ:UBCP - Nasdaq - US9099111091 - Common Stock - Currency: USD
Taking everything into account, UBCP scores 4 out of 10 in our fundamental rating. UBCP was compared to 396 industry peers in the Banks industry. There are concerns on the financial health of UBCP while its profitability can be described as average. UBCP has a decent growth rate and is not valued too expensively. UBCP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year UBCP was profitable.
UBCP had a positive operating cash flow in the past year.
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
With a decent Return On Assets value of 1.06%, UBCP is doing good in the industry, outperforming 70.20% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.52%, UBCP belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 14.52% | ||
| 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
With a Profit Margin value of 24.01%, UBCP perfoms like the industry average, outperforming 53.03% of the companies in the same industry.
UBCP's Profit Margin has declined in the last couple of years.
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) | 24.01% | ||
| 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
The debt/assets ratio for UBCP is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 1.06 is on the high side and indicates that UBCP has dependencies on debt financing.
UBCP's Debt to Equity ratio of 1.06 is on the low side compared to the rest of the industry. UBCP is outperformed by 86.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.27% over the past year.
Measured over the past 5 years, UBCP shows a small growth in Earnings Per Share. The EPS has been growing by 1.39% on average per year.
The Revenue has grown by 24.95% in the past year. This is a very strong growth!
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)0.27%
EPS 3Y-7.68%
EPS 5Y1.39%
EPS Q2Q%-5.47%
Revenue 1Y (TTM)24.95%
Revenue growth 3Y1.7%
Revenue growth 5Y3.36%
Sales Q2Q%7.84%
3.2 Future
The Earnings Per Share is expected to grow by 12.92% on average over the next years. This is quite good.
Based on estimates for the next years, UBCP will show a small growth in Revenue. The Revenue will grow by 6.13% on average per year.
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.
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
UBCP is valuated reasonably with a Price/Earnings ratio of 8.90.
Based on the Price/Earnings ratio, UBCP is valued cheaper than 89.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.50, UBCP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.95, the valuation of UBCP can be described as reasonable.
UBCP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UBCP is cheaper than 72.22% of the companies in the same industry.
UBCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.9 | ||
| Fwd PE | 8.95 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
UBCP's earnings are expected to grow with 12.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.59
PEG (5Y)6.42
EPS Next 2Y11.36%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.16%, UBCP is a good candidate for dividend investing.
UBCP's Dividend Yield is rather good when compared to the industry average which is at 3.25. UBCP pays more dividend than 88.89% of the companies in the same industry.
UBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
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
60.11% of the earnings are spent on dividend by UBCP. This is not a sustainable payout ratio.
UBCP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP60.11%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
NASDAQ:UBCP (7/18/2025, 8:17:24 PM)
14.155
+0.1 (+0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.8%
Inst Owner Change0%
Ins Owners8.03%
Ins Owner Change1.12%
Market Cap81.96M
Analysts82.86
Price Target20.4 (44.12%)
Short Float %0.41%
Short Ratio3.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
Yearly Dividend0.86
Dividend Growth(5Y)9.53%
DP60.11%
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)-13.16%
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 | 8.9 | ||
| Fwd PE | 8.95 | ||
| P/S | 2.23 | ||
| P/FCF | N/A | ||
| P/OCF | 13.9 | ||
| P/B | 1.35 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY11.23%
EPS(NY)1.58
Fwd EY11.17%
FCF(TTM)-0.36
FCFYN/A
OCF(TTM)1.02
OCFY7.2%
SpS6.35
BVpS10.5
TBVpS10.37
PEG (NY)1.59
PEG (5Y)6.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 14.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.01% | ||
| GM | N/A | ||
| FCFM | 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
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 | 1.06 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 633.33% | ||
| Cap/Sales | 21.64% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC10.21%
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)0.27%
EPS 3Y-7.68%
EPS 5Y1.39%
EPS Q2Q%-5.47%
EPS Next Y5.6%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
EPS Next 5YN/A
Revenue 1Y (TTM)24.95%
Revenue growth 3Y1.7%
Revenue growth 5Y3.36%
Sales Q2Q%7.84%
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-155.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y37.14%
OCF growth 3Y1.04%
OCF growth 5Y-0.4%