UNITED BANCORP INC/OHIO

UBCPNASDAQ

🏆 #3419 by market capEarnings Nov 3US Equity

$15.65▲ $0.00 (+0.00%)

Market closed · at close

1h—

24h▲ 0.0%

7d▲ 1.4%

14d▲ 2.5%

30d▼ 0.4%

1y▲ 11.0%

🏦Market Cap

$90M

Small Cap

📈Revenue Growth (YoY)

+8.0%

Slowing

📊Gross Margin

68.5%

High

💵FCF Margin

7.2%

Moderate

⚖️P/S Ratio

1.9x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $15.54 – $15.76
52-Week Range: $12.47 – $17.34
Volume: $2.22B
Avg Volume: $2.70B
Shares Outstanding: 5.8M
Next Earnings: Oct 21, 2026

Fundamentals Snapshot

Annual Revenue: $47M
Last Q Revenue: $12M
P/E Ratio: 11.0
P/S Ratio: 1.9x
EPS (TTM): $1.46
Dividend Yield: 6.01%

Why Investors Own UBCP

✓High-growth profile — revenue up +40.6% YoY with expanding US Equity exposure.
✓Healthy economics — 32% gross margin and 23% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$47M▲ +46.0% YoY

Gross Margin (TTM)

31.7%▼ −0.4% YoY

Operating Income (TTM)

$11M▲ +46.0% YoY

Free Cash Flow (TTM)

$11M▲ +46.0% YoY

About UNITED BANCORP INC/OHIO

United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.

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