UBCP Fundamental Analysis - UNITED BANCORP INC/OHIO

Fundamental Rating

Taking everything into account, UBCP scores 4 out of 10 in our fundamental rating. UBCP was compared to 395 industry peers in the Banks industry. While UBCP is still in line with the averages on profitability rating, there are concerns on its financial health. UBCP has a correct valuation and a medium growth rate. UBCP also has an excellent dividend rating.

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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.

In the past 5 years UBCP has always been profitable.

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 69.87% of the companies in the same industry.

The Return On Equity of UBCP (14.52%) is better than 91.39% of its industry peers.

		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

UBCP has a Profit Margin of 24.01%. This is comparable to the rest of the industry: UBCP outperforms 52.91% 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, UBCP has more shares outstanding

Compared to 5 years ago, UBCP has more shares outstanding

UBCP has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.06 is on the high side and indicates that UBCP has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.06, UBCP is doing worse than 86.08% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.06
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.63%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.27% over the past 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 has grown by 24.95% in the past year. This is a very strong growth!

The Revenue has been growing slightly by 3.36% on average over the past years.

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 15.58% on average over the next years. This is quite good.

UBCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.

EPS Next Y21.6%

EPS Next 2Y17.3%

EPS Next 3Y15.58%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.96, the valuation of UBCP can be described as reasonable.

Based on the Price/Earnings ratio, UBCP is valued cheaply inside the industry as 88.35% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 26.35, UBCP is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 8.12, the valuation of UBCP can be described as reasonable.

Based on the Price/Forward Earnings ratio, UBCP is valued a bit cheaper than 75.95% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.19. UBCP is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.96
Fwd PE	8.12

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

UBCP's earnings are expected to grow with 15.58% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.41

PEG (5Y)6.46

EPS Next 2Y17.3%

EPS Next 3Y15.58%

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5. Dividend

5.1 Amount

UBCP has a Yearly Dividend Yield of 5.28%, which is a nice return.

Compared to an average industry Dividend Yield of 3.46, UBCP pays a better dividend. On top of this UBCP pays more dividend than 88.86% of the companies listed in the same industry.

UBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	5.28%

5.2 History

On average, the dividend of UBCP grows each year by 9.53%, which is quite nice.

UBCP has been paying a dividend for at least 10 years, so it has 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

60.11% of the earnings are spent on dividend by UBCP. This is not a sustainable payout ratio.

The dividend of UBCP is growing, but earnings are growing more, so the dividend growth is sustainable.

DP60.11%

EPS Next 2Y17.3%

EPS Next 3Y15.58%

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UNITED BANCORP INC/OHIO

NASDAQ:UBCP (6/20/2025, 8:02:07 PM)

After market: 13.65 -0.59 (-4.14%)

14.24

+0.5 (+3.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-01 2025-05-01

Earnings (Next)08-05 2025-08-05

Inst Owners11.8%

Inst Owner Change-1.69%

Ins Owners8.03%

Ins Owner Change1.12%

Market Cap82.45M

Analysts82.86

Price Target20.4 (43.26%)

Short Float %0.18%

Short Ratio2.26

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.28%

Yearly Dividend0.86

Dividend Growth(5Y)9.53%

DP60.11%

Div Incr Years11

Div Non Decr Years11

Ex-Date06-10 2025-06-10 (0.185)

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)8.57%

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	8.96
Fwd PE	8.12
P/S	2.24
P/FCF	N/A
P/OCF	13.98
P/B	1.36
P/tB	1.37
EV/EBITDA	N/A

EPS(TTM)1.59

EY11.17%

EPS(NY)1.75

Fwd EY12.32%

FCF(TTM)-0.36

FCFYN/A

OCF(TTM)1.02

OCFY7.15%

SpS6.35

BVpS10.5

TBVpS10.37

PEG (NY)0.41

PEG (5Y)6.46

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

WACC10.63%

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 Y21.6%

EPS Next 2Y17.3%

EPS Next 3Y15.58%

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%

UNITED BANCORP INC/OHIO (UBCP) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens