UBCP Fundamental Analysis - UNITED BANCORP INC/OHIO

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UBCP. UBCP was compared to 391 industry peers in the Banks industry. UBCP has a medium profitability rating, but doesn't score so well on its financial health evaluation. UBCP has a correct valuation and a medium growth rate. Finally UBCP also has an excellent dividend rating.

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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.

In the past 5 years UBCP always reported a positive cash flow from operatings.

1.2 Ratios

UBCP's Return On Assets of 1.06% is fine compared to the rest of the industry. UBCP outperforms 71.61% of its industry peers.

The Return On Equity of UBCP (14.52%) is better than 91.82% 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 (24.01%) which is in line with its industry peers.

In the last couple of years the Profit Margin of UBCP has declined.

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

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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.

The number of shares outstanding for UBCP has been increased compared to 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.

2.2 Solvency

UBCP has a Debt/Equity ratio of 1.06. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.06, UBCP is doing worse than 84.14% 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

WACC10.13%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UBCP shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.27%.

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.

UBCP shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.95%.

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

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.

The Revenue is expected to grow by 6.13% on average over the next years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.43 indicates a reasonable valuation of UBCP.

UBCP's Price/Earnings ratio is rather cheap when compared to the industry. UBCP is cheaper than 86.19% of the companies in the same industry.

UBCP is valuated cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 9.48 indicates a reasonable valuation of UBCP.

64.96% of the companies in the same industry are more expensive than UBCP, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.59, UBCP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.43
Fwd PE	9.48

4.2 Price Multiples

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

4.3 Compensation for Growth

UBCP's 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)1.68

PEG (5Y)6.8

EPS Next 2Y11.36%

EPS Next 3Y12.92%

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5. Dividend

5.1 Amount

UBCP has a Yearly Dividend Yield of 5.01%, which is a nice return.

UBCP's Dividend Yield is rather good when compared to the industry average which is at 3.56. UBCP pays more dividend than 83.63% of the companies in the same industry.

UBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.46.

		Industry Rank	Sector Rank
Dividend Yield	5.01%

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 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

UBCP pays out 60.11% 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.

DP60.11%

EPS Next 2Y11.36%

EPS Next 3Y12.92%

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UNITED BANCORP INC/OHIO

NASDAQ:UBCP (9/9/2025, 8:14:57 PM)

14.99

+0.19 (+1.28%)

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 Change-2.58%

Ins Owners8.03%

Ins Owner Change1.12%

Market Cap86.49M

Analysts82.86

Price Target20.4 (36.09%)

Short Float %0.26%

Short Ratio3.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.01%

Yearly Dividend0.86

Dividend Growth(5Y)9.53%

DP60.11%

Div Incr Years11

Div Non Decr Years11

Ex-Date09-10 2025-09-10 (0.1875)

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	9.43
Fwd PE	9.48
P/S	2.35
P/FCF	N/A
P/OCF	14.67
P/B	1.42
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)1.59

EY10.61%

EPS(NY)1.58

Fwd EY10.55%

FCF(TTM)-0.36

FCFYN/A

OCF(TTM)1.02

OCFY6.82%

SpS6.38

BVpS10.54

TBVpS10.4

PEG (NY)1.68

PEG (5Y)6.8

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

WACC10.13%

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%

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