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UNITED BANCORP INC/OHIO (UBCP) Stock Fundamental Analysis

NASDAQ:UBCP - Nasdaq - US9099111091 - Common Stock - Currency: USD

14.2  +0.1 (+0.71%)

Fundamental Rating

4

UBCP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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 is not valued too expensively and it also shows a decent growth rate. Finally UBCP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

UBCP had positive earnings in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M 6M 8M

1.2 Ratios

UBCP has a better Return On Assets (1.06%) than 70.99% of its industry peers.
UBCP has a better Return On Equity (14.52%) than 92.11% of its industry peers.
Industry RankSector 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
UBCP Yearly ROA, ROE, ROICUBCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

UBCP's Profit Margin of 24.01% is in line compared to the rest of the industry. UBCP outperforms 52.93% of its industry peers.
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 RankSector 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
UBCP Yearly Profit, Operating, Gross MarginsUBCP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

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
The debt/assets ratio for UBCP is higher compared to a year ago.
UBCP Yearly Shares OutstandingUBCP Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

UBCP has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.
UBCP has a worse Debt to Equity ratio (1.06) than 85.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.06
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.14%
UBCP Yearly LT Debt VS Equity VS FCFUBCP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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5

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.
Looking at the last year, UBCP shows a very strong growth in Revenue. The Revenue has grown by 24.95%.
UBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.36% yearly.
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

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

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5M 10M 15M 20M 25M
UBCP Yearly EPS VS EstimatesUBCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

UBCP is valuated reasonably with a Price/Earnings ratio of 8.93.
UBCP's Price/Earnings ratio is rather cheap when compared to the industry. UBCP is cheaper than 89.57% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.87. UBCP is valued rather cheaply when compared to this.
UBCP is valuated reasonably with a Price/Forward Earnings ratio of 8.98.
Based on the Price/Forward Earnings ratio, UBCP is valued a bit cheaper than the industry average as 72.26% of the companies are valued more expensively.
UBCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.34, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.93
Fwd PE 8.98
UBCP Price Earnings VS Forward Price EarningsUBCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
UBCP Per share dataUBCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

The 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)1.59
PEG (5Y)6.44
EPS Next 2Y11.36%
EPS Next 3Y12.92%

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8

5. Dividend

5.1 Amount

UBCP has a Yearly Dividend Yield of 5.20%, which is a nice return.
Compared to an average industry Dividend Yield of 3.54, UBCP pays a better dividend. On top of this UBCP pays more dividend than 84.99% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, UBCP pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.2%

5.2 History

The dividend of UBCP is nicely growing with an annual growth rate of 9.53%!
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
UBCP Yearly Dividends per shareUBCP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

UBCP pays out 60.11% 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.
DP60.11%
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 2015 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 (8/13/2025, 8:00:01 PM)

14.2

+0.1 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30
Earnings (Next)11-04 2025-11-04
Inst Owners11.85%
Inst Owner Change0.29%
Ins Owners8.03%
Ins Owner Change1.12%
Market Cap82.22M
Analysts82.86
Price Target20.4 (43.66%)
Short Float %0.35%
Short Ratio3.4
Dividend
Industry RankSector Rank
Dividend Yield 5.2%
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)-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 RankSector Rank
PE 8.93
Fwd PE 8.98
P/S 2.23
P/FCF N/A
P/OCF 13.94
P/B 1.35
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)1.59
EY11.2%
EPS(NY)1.58
Fwd EY11.13%
FCF(TTM)-0.36
FCFYN/A
OCF(TTM)1.02
OCFY7.17%
SpS6.35
BVpS10.5
TBVpS10.37
PEG (NY)1.59
PEG (5Y)6.44
Profitability
Industry RankSector 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 RankSector 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
WACC10.14%
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%