UNITED BANCORP INC/OHIO (UBCP) Stock Fundamental Analysis

NASDAQ:UBCP • US9099111091

14.81 USD
+0.61 (+4.3%)
Last: Feb 13, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall UBCP gets a fundamental rating of 3 out of 10. We evaluated UBCP against 381 industry peers in the Banks industry. Both the profitability and financial health of UBCP have multiple concerns. UBCP is not valued too expensively and it also shows a decent growth rate. UBCP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • UBCP had positive earnings in the past year.
  • In the past year UBCP had a positive cash flow from operations.
  • 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.
UBCP Yearly Net Income VS EBIT VS OCF VS FCFUBCP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M

1.2 Ratios

  • UBCP has a Return On Assets (0.83%) which is in line with its industry peers.
  • With a decent Return On Equity value of 10.85%, UBCP is doing good in the industry, outperforming 72.97% of the companies in the same industry.
Industry RankSector Rank
ROA 0.83%
ROE 10.85%
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
UBCP Yearly ROA, ROE, ROICUBCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of UBCP (23.17%) is comparable to the rest of the industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 23.17%
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
UBCP Yearly Profit, Operating, Gross MarginsUBCP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

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.
  • UBCP has a worse debt/assets ratio than last year.
UBCP Yearly Shares OutstandingUBCP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
UBCP Yearly Total Debt VS Total AssetsUBCP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • UBCP has a debt to FCF ratio of 38.21. This is a negative value and a sign of low solvency as UBCP would need 38.21 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 38.21, UBCP is doing worse than 83.46% of the companies in the same industry.
  • UBCP has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.09, UBCP is doing worse than 84.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF 38.21
Altman-Z N/A
ROIC/WACCN/A
WACC9.77%
UBCP Yearly LT Debt VS Equity VS FCFUBCP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UBCP Yearly Current Assets VS Current LiabilitesUBCP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for UBCP have decreased by -2.43% in the last year.
  • The Earnings Per Share has been growing slightly by 1.39% on average over the past years.
  • The Revenue for UBCP has decreased by -14.08% in the past year. This is quite bad
  • UBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.36% yearly.
EPS 1Y (TTM)-2.43%
EPS 3Y-7.68%
EPS 5Y1.39%
EPS Q2Q%8.32%
Revenue 1Y (TTM)-14.08%
Revenue growth 3Y1.7%
Revenue growth 5Y3.36%
Sales Q2Q%9.83%

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 9.64% on average per year.
  • UBCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.13% yearly.
EPS Next Y5.6%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
EPS Next 5Y9.64%
Revenue Next Year7.23%
Revenue Next 2Y6.41%
Revenue Next 3Y6.13%
Revenue Next 5Y5.13%

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.
UBCP Yearly Revenue VS EstimatesUBCP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10M 20M 30M
UBCP Yearly EPS VS EstimatesUBCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.22, the valuation of UBCP can be described as very reasonable.
  • Based on the Price/Earnings ratio, UBCP is valued a bit cheaper than 70.08% of the companies in the same industry.
  • UBCP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • Based on the Price/Forward Earnings ratio of 9.37, the valuation of UBCP can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, UBCP is valued cheaper than 80.31% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of UBCP to the average of the S&P500 Index (28.06), we can say UBCP is valued rather cheaply.
Industry RankSector Rank
PE 11.22
Fwd PE 9.37
UBCP Price Earnings VS Forward Price EarningsUBCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • UBCP's Price/Free Cash Flow ratio is rather expensive when compared to the industry. UBCP is more expensive than 80.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 46.55
EV/EBITDA N/A
UBCP Per share dataUBCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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)2
PEG (5Y)8.09
EPS Next 2Y11.36%
EPS Next 3Y12.92%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.25%, UBCP is a good candidate for dividend investing.
  • UBCP's Dividend Yield is rather good when compared to the industry average which is at 2.78. UBCP pays more dividend than 88.98% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, UBCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.25%

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
UBCP Yearly Dividends per shareUBCP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 75.19% of the earnings are spent on dividend by UBCP. This is not a sustainable payout ratio.
  • The dividend of UBCP is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP75.19%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
UBCP Yearly Income VS Free CF VS DividendUBCP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M
UBCP Dividend Payout.UBCP Dividend Payout, showing the Payout Ratio.UBCP Dividend Payout.PayoutRetained Earnings

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UNITED BANCORP INC/OHIO

NASDAQ:UBCP (2/13/2026, 8:00:01 PM)

14.81

+0.61 (+4.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-07
Inst Owners12.52%
Inst Owner Change-88.02%
Ins Owners8.05%
Ins Owner Change0%
Market Cap88.12M
Revenue(TTM)31.13M
Net Income(TTM)7.21M
Analysts82.86
Price Target20.4 (37.74%)
Short Float %0.11%
Short Ratio0.97
Dividend
Industry RankSector Rank
Dividend Yield 5.25%
Yearly Dividend0.86
Dividend Growth(5Y)9.53%
DP75.19%
Div Incr Years11
Div Non Decr Years11
Ex-DateN/A
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 RankSector Rank
PE 11.22
Fwd PE 9.37
P/S 2.83
P/FCF 46.55
P/OCF 9.68
P/B 1.33
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)1.32
EY8.91%
EPS(NY)1.58
Fwd EY10.68%
FCF(TTM)0.32
FCFY2.15%
OCF(TTM)1.53
OCFY10.33%
SpS5.23
BVpS11.17
TBVpS11.06
PEG (NY)2
PEG (5Y)8.09
Graham Number18.22
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 10.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.17%
GM N/A
FCFM 6.08%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF 38.21
Debt/EBITDA N/A
Cap/Depr 545.57%
Cap/Sales 23.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 26.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC9.77%
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)-2.43%
EPS 3Y-7.68%
EPS 5Y1.39%
EPS Q2Q%8.32%
EPS Next Y5.6%
EPS Next 2Y11.36%
EPS Next 3Y12.92%
EPS Next 5Y9.64%
Revenue 1Y (TTM)-14.08%
Revenue growth 3Y1.7%
Revenue growth 5Y3.36%
Sales Q2Q%9.83%
Revenue Next Year7.23%
Revenue Next 2Y6.41%
Revenue Next 3Y6.13%
Revenue Next 5Y5.13%
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-78.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.8%
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.


Can you provide the valuation status for UNITED BANCORP INC/OHIO?

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.


What are the PE and PB ratios of UNITED BANCORP INC/OHIO (UBCP) stock?

The Price/Earnings (PE) ratio for UNITED BANCORP INC/OHIO (UBCP) is 11.22 and the Price/Book (PB) ratio is 1.33.


What is the expected EPS growth for UNITED BANCORP INC/OHIO (UBCP) stock?

The Earnings per Share (EPS) of UNITED BANCORP INC/OHIO (UBCP) is expected to grow by 5.6% in the next year.