UBCP

$15.02+0.00 (+0.00%)

Market OpenAs of Mar 16, 8:00 PM UTC

United Bancorp, Inc.

Historical Price

Price (Line)
50-Day SMA
200-Day SMA
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Peer Comparison

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Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$15.02
Potential Upside
81.9%
Whystock Fair Value$27.32
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers a range of banking and financial services, including accepting demand, savings, and time depos...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$86.73M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
11.21
Beta
Defensive asset. Lower volatility than the S&P 500.
0.38
Div Yield
Strong income play. Yield provides a meaningful total return floor.
513.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
11.93%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
-

Recent News

Zacks
Feb 9, 2026

United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand

UBCP reports 13% year-over-year EPS growth in Q4 2025, driven by loan gains, margin expansion and strategic investments despite macroeconomic headwinds.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Jan 1, 2026

United Bancorp (NASDAQ:UBCP) shareholders have earned a 18% return over the last year

We believe investing is smart because history shows that stock markets go higher in the long term. But if when you...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Dec 31, 2025

OVBC vs. UBCP: Which Bank Stock Deserves a Spot in Your Portfolio?

Ohio Valley Banc and United Bancorp are navigating regional banking with distinct strategies, but which offers more upside right now? Let's dive in.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Nov 12, 2025

UBCP Stock Rises 4% as Q3 Earnings Rise Y/Y on Strong Loan Growth

United Bancorp reports higher year-over-year earnings growth in Q3 on rising net interest income and loan growth, while advancing strategic projects and reaffirming its goal to surpass $1 billion in assets.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Oct 20, 2025

The Zacks Analyst Blog Highlights Home Depot, Boeing, Progressive, Frequency Electronics and United Bancorp

Zacks Analyst Blog spotlights Home Depot, Boeing, Progressive, Frequency Electronics, and United Bancorp for their latest performance and sector outlooks.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.