NASDAQ: UBCPUnited Bancorp Inc Stock
$16.02-0.37 (-2.26%)
Updated May 1, 2026
UBCP Price
$16.02
Fair Value Price
$3.41
Market Cap
$92.22M
52 Week Low
$12.25
52 Week High
$17.34
P/E
11.96x
P/B
1.31x
P/S
2.61x
PEG
1.08x
Dividend Yield
5.81%
Revenue
$31.81M
Earnings
$7.75M
Gross Margin
100%
Operating Margin
24.11%
Profit Margin
24.4%
Debt to Equity
11.16
Operating Cash Flow
$10M
Beta
0.14
Next Earnings
N/A
Ex-Dividend
Jun 10, 2026
Next Dividend
Jun 19, 2026
UBCP Overview
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine UBCP's potential to beat the market
- UBCP doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
UBCP
RankedUnranked of 282
RankedUnranked of 282
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $57.14 | B | |
| $18.10 | B | |
| $24.01 | B |
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UBCP News
Overview
Due Diligence Score
–
Industry Average (39)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how UBCP scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
UBCP ($16.02) is overvalued by 369.61% relative to our estimate of its Fair Value price of $3.41 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
UBCP ($16.02) is not significantly undervalued (369.61%) relative to our estimate of its Fair Value price of $3.41 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
UBCP ($16.02) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more UBCP due diligence checks available for Premium users.
Valuation
UBCP fair value
Fair Value of UBCP stock based on Discounted Cash Flow (DCF)
Price
$16.02
Fair Value
$3.41
Overvalued by
369.61%
UBCP ($16.02) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UBCP ($16.02) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
UBCP ($16.02) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
UBCP price to earnings (PE)
For valuing profitable companies with steady earnings
Company
11.96x
Industry
14.3x
Market
18.84x
UBCP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UBCP is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
UBCP price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.31x
Industry
1.26x
UBCP is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UBCP price to earnings growth (PEG)
For valuing profitable companies with growth potential
UBCP is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
UBCP's financial health
Profit margin
Revenue
$8.7M
Net Income
$2.0M
Profit Margin
23.4%
UBCP's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$857.4M
Liabilities
$786.9M
Debt to equity
11.16
UBCP's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UBCP's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.4M
Investing
$19.7M
Financing
-$21.3M
UBCP vs Bank Stocks
United Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.