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Company Analysis

United Bancorp, Inc. UBCP

A comprehensive view of key metrics, scores, and financial health for United Bancorp, Inc.

Overview of United Bancorp, Inc.

UBCP NCM
Financial Services Banks - Regional Micro Cap
United Bancorp, Inc. (UBCP), is a Micro Cap company, in the Banks - Regional industry, last closed at $15.23, about 17.7% overvalued vs fair value, +18.8% 1Y return, ranked 533/1004 in sector.
$15.24
0.86%
As of March 13, 2026
Previous close • Vol 90d: 26.5%
52-Week Range
Market Cap
$88.00M
Enterprise Value
$143.30M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.unitedbancorp.com
HQ Martins Ferry, OH
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$23
Current: $15.24 -18% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$39.1M
6.9%%
Interest Expense
$15.0M
Net Interest Income
$24.4M
-4.6%%
Total Revenue
$47.5M
62.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.1%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.8M
82.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating United Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UBCP's balance between Growth (33.1%), Profitability (29.5%), and Safety (37.4%). Growth 33% Safety 37% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

55th percentile vs peers
55
Key Signals
Rev Growth YoY 62.3% 56p Asset Growth YoY 5.0% 57p Revenue CAGR 3Y 18.6% 50p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for United Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
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- - -
- upside
-
Base
$12.54
- - -
-17.7% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
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