United Bancorp Inc (UBCP)

United Bancorp, Inc. is a common stock listing on NASDAQ for United Bancorp Inc., the bank holding company for Unified Bank. Through its banking subsidiary, the company serves customers in Ohio with commercial and retail banking services. Its business includes taking demand, savings, and time deposits and extending commercial, real estate, and consumer loans. Founded in 1902 and headquartered in Martins Ferry, Ohio, United Bancorp operates within the Financials sector and the banking industry.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-UBCP
$16.22
1.3% Upside
Fair
$20
25.0% Upside
Undervalued
Fair
5.0%
November 3, 2026
12.1x
1.3x
2.8x
90.22 M
55.4%
83.0%
-1.4
70.3%
-54.2%
Valuation • Fair Value

United Bancorp Inc (NASDAQ-UBCP) Fair Value by Valuation Model

Review the available estimates for United Bancorp Inc (NASDAQ-UBCP), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$16.22

Estimated upside of 1.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$14.66

Classic Ben Graham valuation formula reference.

Comps Fair Value

$16.22

Comparable-company valuation reference.

Analyst Price Target

$20

Analysts imply upside of 25.0%.

How to read these valuation models

Use the 5 available valuation references for United Bancorp Inc (NASDAQ-UBCP) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for United Bancorp Inc (NASDAQ-UBCP)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

32.995 M

Current operating scale indicator.

Revenue Forecast

27.046 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review United Bancorp Inc (NASDAQ-UBCP) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for United Bancorp Inc (NASDAQ-UBCP)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.4

Lower score that deserves closer risk review.

FCF / Net Income

-54.2%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for United Bancorp Inc (NASDAQ-UBCP). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for United Bancorp Inc (NASDAQ-UBCP)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 3, 2026

Days to Earnings

46

Dividend Yield

5.0%

Current income yield reference.

Payout Ratio

70.3%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for United Bancorp Inc (NASDAQ-UBCP), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

United Bancorp Inc (NASDAQ-UBCP) Stock Forecast & Technical Outlook

Review United Bancorp Inc (NASDAQ-UBCP) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for United Bancorp Inc (NASDAQ-UBCP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for United Bancorp Inc (NASDAQ-UBCP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for United Bancorp Inc (NASDAQ-UBCP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for United Bancorp Inc (NASDAQ-UBCP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for United Bancorp Inc (NASDAQ-UBCP) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for United Bancorp Inc (NASDAQ-UBCP)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, United Bancorp Inc (NASDAQ-UBCP) has a Strong Buy consensus, with 1 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 0
Sell 0
FAQ Fast Investor Answers

United Bancorp Inc (NASDAQ-UBCP) Stock FAQ

Data-supported answers about United Bancorp Inc (NASDAQ-UBCP), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$16.22
Estimated upside 1.3%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
$20
Implied upside 25.0%
Financial Health
Fair
Current financial-health read

The current fair value estimate for United Bancorp Inc (NASDAQ-UBCP) is $16.22. This implies an estimated upside of 1.3% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The available analyst price target for United Bancorp Inc (NASDAQ-UBCP) is $20. The analyst target implies estimated upside of 25.0%.

The current financial health read for United Bancorp Inc (NASDAQ-UBCP) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for United Bancorp Inc (NASDAQ-UBCP) is November 3, 2026.

Based on the current data, dividend yield is 5.0%.

The current P/E ratio listed for United Bancorp Inc (NASDAQ-UBCP) is 12.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for United Bancorp Inc is 90.22 M.

The ticker symbol for United Bancorp Inc is NASDAQ-UBCP, and the stock is listed on NASDAQ.

United Bancorp Inc (NASDAQ-UBCP) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for United Bancorp Inc is 55.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for United Bancorp Inc is 83.0%. Free float helps investors understand how much of the share base is available for public trading.