14.18 USD
+0.19 (+1.36%)
We assign a fundamental rating of 3 out of 10 to UBCP. UBCP was compared to 388 industry peers in the Banks industry. UBCP has a bad profitability rating. Also its financial health evaluation is rather negative. UBCP is not valued too expensively and it also shows a decent growth rate. Finally 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
UBCP's Return On Assets of 0.84% is in line compared to the rest of the industry. UBCP outperforms 46.13% of its industry peers.
The Return On Equity of UBCP (11.85%) is better than 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 11.85% | ||
| 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 has a Profit Margin of 23.38%. This is comparable to the rest of the industry: UBCP outperforms 44.59% of its industry peers.
In the last couple of years the Profit Margin of UBCP has declined.
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) | 23.38% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.91%
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.
UBCP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for UBCP is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UBCP is 68.13, which is on the high side as it means it would take UBCP, 68.13 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UBCP (68.13) is worse than 85.05% of its industry peers.
A Debt/Equity ratio of 1.04 is on the high side and indicates that UBCP has dependencies on debt financing.
UBCP's Debt to Equity ratio of 1.04 is on the low side compared to the rest of the industry. UBCP is outperformed by 85.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | 68.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBCP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.92%.
The Earnings Per Share has been growing slightly by 1.31% on average over the past years.
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)-11.92%
EPS 3Y-7.79%
EPS 5Y1.31%
EPS Q2Q%13.79%
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.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 10.99, the valuation of UBCP can be described as very reasonable.
UBCP's Price/Earnings ratio is a bit cheaper when compared to the industry. UBCP is cheaper than 70.88% of the companies in the same industry.
UBCP is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
UBCP is valuated reasonably with a Price/Forward Earnings ratio of 8.97.
Based on the Price/Forward Earnings ratio, UBCP is valued cheaper than 80.41% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. UBCP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.97 |
4.2 Price Multiples
82.22% of the companies in the same industry are cheaper than UBCP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 89.91 | ||
| 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)1.96
PEG (5Y)8.39
EPS Next 2Y11.36%
EPS Next 3Y12.92%
5. Dividend
5.1 Amount
UBCP has a Yearly Dividend Yield of 5.33%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, UBCP pays a better dividend. On top of this UBCP pays more dividend than 90.98% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, UBCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
5.2 History
On average, the dividend of UBCP grows each year by 9.51%, 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)9.51%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
UBCP pays out 75.53% of its income as dividend. This is not a sustainable payout ratio.
The dividend of UBCP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.53%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
NASDAQ:UBCP (12/19/2025, 8:19:39 PM)
14.18
+0.19 (+1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.52%
Inst Owner Change8.3%
Ins Owners8.05%
Ins Owner Change0%
Market Cap81.82M
Revenue(TTM)30.41M
Net Income(TTM)7.11M
Analysts82.86
Price Target20.4 (43.86%)
Short Float %0.11%
Short Ratio1.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
Yearly Dividend0.86
Dividend Growth(5Y)9.51%
DP75.53%
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 | 10.99 | ||
| Fwd PE | 8.97 | ||
| P/S | 2.69 | ||
| P/FCF | 89.91 | ||
| P/OCF | 7.81 | ||
| P/B | 1.36 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY9.1%
EPS(NY)1.58
Fwd EY11.15%
FCF(TTM)0.16
FCFY1.11%
OCF(TTM)1.81
OCFY12.8%
SpS5.27
BVpS10.4
TBVpS10.27
PEG (NY)1.96
PEG (5Y)8.39
Graham Number17.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 11.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.38% | ||
| GM | N/A | ||
| FCFM | 2.99% |
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-8.91%
PM growth 5Y-1.79%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | 68.13 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 746.88% | ||
| Cap/Sales | 31.44% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 12.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC10.16%
ROIC/WACCN/A
Cap/Depr(3y)308.83%
Cap/Depr(5y)235.87%
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)-11.92%
EPS 3Y-7.79%
EPS 5Y1.31%
EPS Q2Q%13.79%
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-89.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.49%
OCF growth 3Y1.05%
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 4 / 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 75.53%.