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United Bancorp Inc

United Bancorp Inc

UBCP · NASDAQ · Financial Services / Banks - Regional

14.56USD+0.07 (+0.48%)

Price History

Full chart

Market Stats

Previous Close14.49
Open14.24
Day Range14.16 – 14.59
52-Week Range11.80 – 16.92
Volume26.21K
Market Cap84.60M
P/E (TTM)10.77
Forward P/E10.30
EPS1.37
Dividend Yield5.33%
Beta0.35
50-Day Avg15.62
200-Day Avg15.28

About

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Scott A. Everson
  • Employees125
  • Headquarters201 South Fourth Street, Martins Ferry, OH, United States, 43935, USA
  • Websitehttps://www.unitedbancorp.com

Leadership

  • Mr. Scott A. EversonPresident, CEO & Chairman · b. 1968
  • Mr. Randall M. GreenwoodSenior VP, CFO & Treasurer · b. 1964
  • Mr. Matthew Fredrick BranstetterSenior VP & COO · b. 1968
  • Mr. Chad S. SmithChief Human Resource Officer & Vice President · b. 1972
  • Elmer K. LeeperChief Retail Banking Officer and Vice President · b. 1967
  • Ms. Erika R. AultCorporate Secretary & Executive Assistant · b. 1980

Financials

Income Statement

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue12.80M12.60M13.20M15.30M20.80M22.10M22.80M22.90M25.10M26.20M24.15M23.33M22.71M24.52M27.58M29.68M28.78M26.65M24.98M23.72M21.40M21.22M20.07M19.87M20.32M21.10M24.95M30.92M34.54M30.41M31.74M40.90M43.98M47.50M
Growth (%)--1.56%+4.76%+15.91%+35.95%+6.25%+3.17%+0.44%+9.62%+4.38%-7.81%-3.41%-2.68%+8.00%+12.45%+7.64%-3.03%-7.41%-6.25%-5.05%-9.80%-0.82%-5.41%-1.01%+2.23%+3.87%+18.24%+23.92%+11.71%-11.95%+4.37%+28.85%+7.53%+7.99%
Cost of Revenue6.30M5.60M5.80M7.10M10.10M10.30M10.50M10.50M12.92M13.13M9.96M8.38M8.16M9.56M14.22M15.51M11.44M9.39M8.30M6.67M4.99M4.27M3.35M2.84M2.08M1.86M3.48M7.03M8.07M1.34M2.32M10.56M15.02M15.51M
Gross Profit6.50M7.00M7.40M8.20M10.70M11.80M12.30M12.40M12.18M13.07M14.20M14.95M14.55M14.96M13.36M14.17M17.34M17.26M16.69M17.05M16.41M16.95M16.72M17.04M18.23M19.24M21.48M23.89M26.47M29.07M29.43M30.34M28.96M31.99M
Gross Margin50.78%55.56%56.06%53.59%51.44%53.39%53.95%54.15%48.52%49.89%58.77%64.09%64.08%61.02%48.43%47.74%60.25%64.77%66.79%71.86%76.69%79.86%83.29%85.73%89.74%91.17%86.07%77.26%76.63%95.59%92.70%74.18%65.85%67.36%
Operating Expense4.40M4.80M4.90M5.20M7.30M8.00M8.00M8.20M8.71M9.38M9.99M10.42M10.45M10.76M11.05M11.25M12.63M13.84M13.92M13.10M13.47M13.98M13.15M12.48M13.07M13.65M16.40M16.48M17.89M18.39M19.89M20.85M21.67M23.72M
Operating Income2.10M2.20M2.50M3.00M3.40M3.80M4.30M4.20M3.47M3.69M4.21M4.54M4.10M4.20M2.31M2.92M4.71M3.42M2.77M3.94M2.94M2.97M3.57M4.56M5.16M5.59M5.08M7.41M8.58M10.68M9.54M9.49M7.29M8.27M
Operating Margin16.41%17.46%18.94%19.61%16.35%17.19%18.86%18.34%13.81%14.08%17.42%19.45%18.04%17.13%8.37%9.83%16.38%12.84%11.07%16.63%13.76%13.98%17.80%22.94%25.40%26.49%20.37%23.96%24.84%35.12%30.04%23.20%16.59%17.41%
EBITDA2.70M2.90M3.00M3.40M4.10M4.50M4.90M5.00M4.42M4.59M5.20M6.39M5.44M5.29M3.32M3.89M5.41M4.42M3.75M5.07M4.07M4.09M4.65M5.56M5.98M6.51M6.10M8.60M9.89M11.97M10.70M10.64M8.52M9.26M
EBITDA Margin21.09%23.02%22.73%22.22%19.71%20.36%21.49%21.83%17.60%17.52%21.54%27.38%23.98%21.56%12.04%13.11%18.80%16.59%14.99%21.39%19.00%19.28%23.18%27.97%29.43%30.87%24.44%27.81%28.63%39.37%33.70%26.01%19.38%19.50%
Net Income1.60M1.70M2.00M2.20M2.60M2.80M3.20M3.20M2.59M2.76M3.22M3.64M3.23M3.29M2.07M2.58M3.76M2.90M2.55M3.09M2.40M2.61M2.65M3.22M3.58M3.55M4.28M6.81M7.95M9.45M8.66M8.95M7.40M7.75M
Net Income Margin12.50%13.49%15.15%14.38%12.50%12.67%14.04%13.97%10.31%10.52%13.33%15.60%14.24%13.43%7.50%8.71%13.06%10.90%10.19%13.03%11.21%12.31%13.21%16.22%17.62%16.80%17.16%22.02%23.02%31.07%27.27%21.88%16.83%16.32%
R&D-------------------00000000-------
R&D as % of Total Revenue-------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense6.00M5.30M5.50M6.60M8.90M9.40M9.70M9.80M12.34M12.35M9.33M7.84M7.54M9.15M12.84M14.52M10.25M8.06M6.48M4.71M3.86M3.03M2.47M2.28M1.78M1.76M3.18M6.12M4.73M2.60M3.27M11.01M14.72M15.02M
Interest Expense % of Total Revenue46.88%42.06%41.67%43.14%42.79%42.53%42.54%42.79%49.14%47.13%38.62%33.59%33.20%37.30%46.55%48.91%35.62%30.26%25.94%19.84%18.04%14.29%12.29%11.49%8.78%8.36%12.74%19.80%13.70%8.54%10.31%26.93%33.47%31.62%

Balance Sheet

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets164.70M171.70M185.60M191.20M202.40M263.60M285.50M298.80M323.89M341.32M361.71M385.52M397.52M411.93M421.65M451.37M441.80M445.97M423.44M415.57M438.35M389.04M401.81M405.12M438.02M459.33M593.21M685.71M693.40M724.46M757.40M819.45M816.66M857.45M
Total Liabilities150.60M156.30M169.10M172.70M182.40M237.90M258.20M273.50M295.21M310.84M329.56M353.01M364.70M379.45M389.07M417.48M407.90M410.76M387.85M379.38M401.73M350.17M361.42M363.63M395.38M415.44M542.57M625.78M625.07M652.75M697.66M755.86M753.20M786.93M
Total Equity14.10M15.40M16.50M18.50M20.00M25.70M27.30M25.30M28.68M30.47M32.15M32.51M32.82M32.48M32.58M33.89M33.90M35.21M35.58M36.18M36.63M38.87M40.39M41.50M42.64M43.90M50.64M59.92M68.33M71.70M59.74M63.59M63.46M70.52M
Cash21.80M19.90M6.70M7.00M6.60M10.60M11.30M11.10M10.69M9.43M8.25M8.39M7.58M13.88M14.55M12.32M12.29M16.27M10.94M15.68M75.11M23.47M39.16M12.70M11.54M14.31M25.25M14.98M51.59M83.00M30.08M40.77M19.61M46.53M
Total Debt3.70M2.80M4.60M4.70M9.30M15.80M27.40M66.10M26.11M26.23M26.41M46.33M62.87M71.02M57.24M85.53M99.30M63.41M59.29M56.89M57.80M42.61M41.04M42.04M53.15M25.13M12.24M70.26M36.31M39.37M41.83M128.33M132.21M131.27M
Net Debt-18.10M-17.10M-2.10M-2.30M2.70M5.20M16.10M55.00M15.41M16.80M18.16M37.95M55.29M57.14M42.69M73.21M87.01M47.13M48.36M41.21M-17.31M19.13M1.88M29.34M32.44M-169.00K-21.02M55.27M-15.28M-43.63M-6.35M87.56M112.61M84.74M

Cash Flow

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.00M2.30M2.20M3.70M4.10M4.50M4.10M4.10M3.46M3.35M4.06M4.20M3.86M3.97M3.89M3.28M6.00M1.95M6.63M6.24M5.60M7.17M4.18M4.28M4.18M4.57M5.75M8.62M9.37M8.19M8.48M9.46M8.45M9.96M
Investing Cash Flow-21.80M-9.50M-26.50M-6.00M-14.00M-11.10M-17.40M-22.50M-24.59M-4.42M-31.61M-28.28M-14.77M-10.42M-7.23M-31.15M65.41M-5.04M-1.36M10.47M33.95M-7.02M2.12M-29.84M-35.00M-18.05M-62.55M-95.79M33.67M-1.21M-103.26M-48.47M-19.46M-4.01M
Financing Cash Flow26.20M5.30M11.20M2.60M10.40M7.70M19.10M13.80M19.95M13.76M14.45M22.18M10.11M12.75M4.02M25.64M-52.26M2.89M-25.61M-11.96M19.88M-51.79M9.39M-895.00K29.67M16.25M67.73M76.91M-6.43M24.42M41.86M49.70M-10.14M20.98M
Capital Expenditure200.00K400.00K200.00K300.00K900.00K800.00K1.00M2.80M1.41M441.46K1.00M128.00K389.80K484.00K248.00K308.00K1.16M1.01M1.40M1.49M1.53M1.32M309.00K1.31M2.26M782.00K785.00K1.34M2.52M777.00K511.00K1.08M9.70M11.78M
Free Cash Flow1.80M1.90M2.00M3.40M3.20M3.70M3.10M1.30M2.05M2.91M3.06M4.07M3.47M3.48M3.64M2.97M4.84M931.00K5.23M4.75M4.07M5.85M3.87M2.96M1.92M3.79M4.97M7.28M6.85M7.42M7.97M8.38M-1.25M-1.82M
Dividends Paid500.00K500.00K600.00K800.00K900.00K1.00M1.20M1.50M1.55M1.59M1.65M1.72M1.88M2.12M2.42M2.44M2.71M2.87M2.96M2.99M2.25M1.56M1.77M2.26M2.54M2.77M3.22M3.23M3.36M4.10M4.56M4.79M5.11M5.48M
FCF to OCF90.00%82.61%90.91%91.89%78.05%82.22%75.61%31.71%59.18%86.84%75.27%96.96%89.91%87.80%93.62%90.61%80.74%47.87%78.83%76.13%72.73%81.62%92.61%69.36%45.97%82.88%86.36%84.50%73.12%90.52%93.97%88.58%-14.76%-18.31%
Dividend Paid to FCF27.78%26.32%30.00%23.53%28.13%27.03%38.71%115.38%75.56%54.59%53.92%42.20%54.10%60.74%66.42%81.96%55.90%308.49%56.63%62.93%55.33%26.59%45.78%76.19%132.29%73.16%64.81%44.31%49.06%55.31%57.20%57.13%-410.02%-300.82%

Earnings

Report DateMar 31, 1998Mar 31, 1999Jun 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jul 24, 2003Oct 23, 2003Jan 26, 2004Apr 21, 2004Jul 22, 2004Nov 5, 2004Jan 25, 2005Apr 20, 2005Jul 21, 2005Oct 26, 2005Jan 24, 2006Apr 20, 2006Jul 24, 2006Oct 27, 2006Feb 2, 2007Apr 30, 2007Jul 26, 2007Nov 1, 2007Jan 25, 2008Apr 10, 2008Jul 14, 2008Oct 23, 2008Jan 28, 2009Apr 23, 2009Jul 15, 2009Oct 27, 2009Jan 25, 2010Apr 30, 2010Jul 29, 2010Oct 27, 2010Jan 26, 2011Apr 29, 2011Aug 17, 2011Oct 21, 2011Jan 25, 2012Apr 27, 2012Aug 13, 2012Oct 24, 2012Jan 23, 2013Apr 25, 2013Jul 29, 2013Oct 23, 2013Jan 24, 2014May 2, 2014Jul 16, 2014Oct 24, 2014Jan 26, 2015May 1, 2015Jul 15, 2015Oct 23, 2015Apr 29, 2016Jul 25, 2016Oct 20, 2016Jan 25, 2017Apr 27, 2017Jul 27, 2017Oct 16, 2017Jan 25, 2018May 15, 2018Aug 14, 2018Nov 14, 2018Feb 1, 2019May 15, 2019Aug 13, 2019Nov 12, 2019Jan 23, 2020May 1, 2020Jul 30, 2020Oct 20, 2020Jan 22, 2021Apr 29, 2021Jul 29, 2021Oct 27, 2021Feb 3, 2022May 13, 2022Aug 15, 2022Nov 1, 2022Jan 26, 2023May 4, 2023Jul 31, 2023Oct 31, 2023Feb 6, 2024May 9, 2024Aug 7, 2024Oct 29, 2024Feb 4, 2025May 7, 2025Aug 7, 2025Nov 6, 2025Feb 5, 2026Apr 30, 2026Jul 23, 2026Nov 5, 2026
EPS Estimate-------------0.180.180.190.200.190.200.180.170.190.20-----------------------------------------------------0.290.310.320.300.310.290.370.330.370.260.350.310.400.400.40-0.400.420.42------0.00-0.00--
EPS Actual0.170.170.130.120.140.130.120.150.140.140.170.150.170.180.090.240.100.110.110.130.180.190.180.170.150.060.090.150.160.170.090.160.200.220.200.200.170.150.160.150.150.150.150.090.150.150.160.160.150.140.090.090.090.090.220.120.100.140.140.150.140.160.170.170.180.180.180.170.180.200.160.220.220.250.300.280.290.310.310.280.290.360.460.330.380.500.410.310.400.400.400.330.400.420.420.360.310.320.330.340.330.340.370.330.36-
Surprise-------------0.00%-50.00%26.32%-50.00%-42.11%-45.00%-27.78%5.88%0.00%-10.00%-----------------------------------------------------0.00%0.00%-3.13%-6.67%-6.45%24.14%24.32%0.00%2.70%92.31%17.14%0.00%0.00%0.00%0.00%-0.00%0.00%0.00%-----------
Timing-------------Pre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hours---

Key Statistics & Ratios

Market Cap84.60M
Enterprise Value149.90M
Trailing P/E10.77
Forward P/E10.30
PEG Ratio0.00
Price / Sales2.56
Price / Book1.26
EPS1.37
Book Value12.57
Revenue (TTM)32.99M
Gross Profit (TTM)32.99M
Profit Margin24.16%
Operating Margin25.43%
Return on Equity12.10%
Return on Assets0.92%
Shares Outstanding5.74M
Shares Float4.76M
Beta0.35
Dividend Yield5.33%
Dividend Rate0.79
Payout Ratio68.06%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 20.00
  • Strong Buy
    1

Ownership Breakdown

Institutions
14.98%
Insiders
16.82%
Retail / Other
68.20%

Top Institutional Holders

  • Vanguard Capital Management, LLC
    90.91K1.58%
  • Commonwealth Financial Services, LLC
    87.36K1.52%
  • Post Resch Tallon Group Inc.
    55.67K0.97%
  • Geode Capital Management, LLC
    49.67K0.87%
  • Stratos Wealth Partners, LTD
    48.77K0.85%
  • Dimensional Fund Advisors, Inc.
    45.51K0.79%
  • Bahl & Gaynor Inc.
    40.05K0.70%
  • Vawter Financial, Ltd.
    36.39K0.63%
  • Appalachian Capital Management Ltd
    33.39K0.58%
  • Vanguard Fiduciary Trust Co
    32.10K0.56%
  • WesBanco Bank Inc
    31.36K0.55%
  • Founders Financial Alliance, LLC
    28.98K0.51%
  • BlackRock Inc
    24.50K0.43%
  • Koss-Olinger Consulting, LLC
    23.62K0.41%
  • Northern Trust Corp
    22.91K0.40%
  • Raffles Associates LP
    17.70K0.31%
  • Susquehanna International Group, LLP
    16.37K0.29%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    48.93K0.85%
  • Fidelity Extended Market Index
    26.31K0.46%
  • iShares Micro-Cap ETF
    17.13K0.30%

Dividends

20263×
0.20Sep 10, 20260.20Jun 10, 20260.37Mar 10, 2026
20254×
0.19Dec 10, 20250.19Sep 10, 20250.18Jun 10, 20250.36Mar 10, 2025
20244×
0.18Dec 10, 20240.18Sep 10, 20240.17Jun 10, 20240.32Mar 7, 2024
20234×
0.17Dec 7, 20230.17Sep 7, 20230.17Jun 8, 20230.31Mar 9, 2023
20224×
0.16Dec 8, 20220.16Sep 8, 20220.15Jun 9, 20220.30Mar 9, 2022
20214×
0.15Dec 9, 20210.15Sep 9, 20210.14Jun 9, 20210.24Mar 9, 2021
20201×
0.14Dec 9, 2020

Stock Splits

  • Nov 29, 200611:10
  • Dec 1, 200411:10
  • Nov 28, 200311:10
  • Nov 27, 2002105:100
  • Nov 29, 2001105:100
  • Nov 29, 2000105:100
  • Nov 29, 1999105:100
  • Nov 27, 1998105:100
  • Aug 28, 199711:10
  • Dec 13, 19932:1