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United Bancorp Inc

Financial Services US UBCP

15.95USD
-0.05(0.31%)

Last update at 2026-06-09T14:32:00Z

Day Range

15.7016.24
LowHigh

52 Week Range

9.3015.50
LowHigh

Fundamentals

  • Previous Close 16.00
  • Market Cap70.25M
  • Volume35577
  • P/E Ratio7.63
  • Dividend Yield5.69%
  • Revenue TTM29.89M
  • Revenue Per Share TTM5.44
  • Gross Profit TTM 29.43M
  • Diluted EPS TTM1.59

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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 9.54M 10.68M 8.58M 7.41M 5.08M
Minority interest - - - - -
Net income 8.66M 9.45M 7.95M 6.81M 4.28M
Selling general administrative 11.07M 10.54M 10.10M 9.46M 8.75M
Selling and marketing expenses 0.35M 0.38M 0.34M 0.38M 0.49M
Gross profit 28.47M 27.82M 29.81M 24.79M 21.77M
Reconciled depreciation 1.16M 1.29M 1.31M 1.19M 1.02M
Ebit 12.81M 10.68M 8.58M 7.41M 8.26M
Ebitda 13.97M 11.97M 9.89M 8.60M 9.28M
Depreciation and amortization 1.16M 1.29M 1.31M 1.19M 1.02M
Non operating income net other - - - - -
Operating income 12.81M 10.68M 8.58M 7.41M 8.26M
Other operating expenses -15.66200M -17.13700M -21.22700M -17.38500M 13.52M
Interest expense 3.27M 2.60M 4.73M 6.12M 3.18M
Tax provision 0.88M 1.23M 0.63M 0.60M 0.80M
Interest income 27.52M 24.63M 27.53M 26.82M 21.07M
Net interest income 24.25M 22.03M 22.80M 20.70M 17.89M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 0.88M 1.23M 0.63M 0.60M 0.80M
Total revenue 28.47M 27.82M 29.81M 24.79M 21.77M
Total operating expenses -15.66200M -17.13700M -21.22700M -17.38500M -13.51500M
Cost of revenue - - - - 0.00000M
Total other income expense net -3.27300M -2.59600M -4.73400M -6.12300M -3.17800M
Discontinued operations - - - - -
Net income from continuing ops 8.66M 9.45M 7.95M 6.81M 4.28M
Net income applicable to common shares 8.66M 8.88M 7.56M 6.81M 4.28M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 820.63M 757.40M 724.46M 693.40M 685.71M
Intangible assets 0.26M 0.41M 0.56M 0.71M 1.54M
Earning assets - - - - 202.09M
Other current assets 48.24M 3.40M 2.35M 307.64M 276.51M
Total liab 757.04M 697.66M 652.75M 625.07M 625.78M
Total stockholder equity 63.59M 59.74M 71.70M 68.33M 59.92M
Deferred long term liab - - - - 1.74M
Other current liab 419.53M -5.91800M -6.57200M -7.04500M -5.72100M
Common stock 6.06M 6.04M 6.05M 6.05M 5.96M
Capital stock 6.06M 6.04M 6.05M 6.05M 5.96M
Retained earnings 44.02M 41.95M 37.85M 32.50M 27.91M
Other liab - 5.61M 31.92M 9.01M 7.24M
Good will 0.68M 0.68M 0.68M 0.68M 1.54M
Other assets - 521.63M 332.49M 307.64M 276.51M
Cash 40.77M 30.08M 83.00M 51.59M 14.98M
Cash and equivalents - - - - -
Total current liabilities 446.31M 5.92M 6.57M 7.04M 5.72M
Current deferred revenue - - - - -
Net debt 87.56M -6.35400M -59.33400M -27.98800M 48.36M
Short term debt 26.78M - - - 39.80M
Short long term debt - - - - -
Short long term debt total 128.33M 23.73M 23.66M 23.60M 63.34M
Other stockholder equity 23.35M 21.08M 20.84M 20.50M 20.52M
Property plant equipment - 12.14M 12.76M 13.74M 12.40M
Total current assets 48.24M 4.91M 231.66M 212.56M 206.47M
Long term investments 242.76M 458.82M 146.31M 158.07M 628.10M
Net tangible assets - 59.05M 71.70M 66.94M 59.92M
Short term investments 242.76M 217.62M 146.31M 158.07M 188.78M
Net receivables 4.10M 3.40M 2.35M 2.90M 2.70M
Long term debt 98.79M 23.73M 23.66M 23.60M 23.54M
Inventory 36.67M 3.52M 0.42M 0.72M 0.82M
Accounts payable - 5.92M 6.57M 7.04M 5.72M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -9.84100M -9.33600M 6.96M 9.28M 5.54M
Additional paid in capital - - - - -
Common stock total equity - 6.04M - 6.05M 5.96M
Preferred stock total equity - - - - -
Retained earnings total equity - 41.95M - - 27.91M
Treasury stock - -1.82800M - - -0.46200M
Accumulated amortization - - - - -
Non currrent assets other 715.47M -230.86000M -160.31200M -173.20200M -202.72900M
Deferred long term asset charges - - - - -
Non current assets total 772.39M 230.86M 160.31M 173.20M 202.73M
Capital lease obligations 2.76M - - - -
Long term debt total - 23.73M - - 23.54M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -103.01200M 9.15M 33.67M -90.56200M -89.22300M
Change to liabilities -0.27500M 0.00000M 0.00000M 0.91M -0.55400M
Total cashflows from investing activities -103.25600M -1.20900M 33.67M -95.79300M -62.54700M
Net borrowings 2.40M 3.00M -34.01000M 57.92M -12.93300M
Total cash from financing activities 41.86M 24.42M -6.43100M 76.91M 67.73M
Change to operating activities -1.09900M -1.05800M -0.47600M -0.27800M 0.04M
Net income 8.66M 9.45M 7.95M 6.81M 4.28M
Change in cash -52.91900M 31.41M 36.61M -10.26800M 10.94M
Begin period cash flow 83.00M 51.59M 14.98M 25.25M 14.31M
End period cash flow 30.08M 83.00M 51.59M 14.98M 25.25M
Total cash from operating activities 8.48M 8.19M 9.37M 8.62M 5.75M
Issuance of capital stock - - - - -
Depreciation 1.16M 1.29M 1.31M 1.19M 1.02M
Other cashflows from investing activities 0.27M 0.67M -0.25200M -3.89500M 27.46M
Dividends paid -4.55900M -4.10100M -3.36100M -3.22600M 3.22M
Change to inventory - -1.23700M -1.80000M -1.18800M 0.59M
Change to account receivables -1.05800M 0.56M -0.20500M -0.89800M -0.66000M
Sale purchase of stock -0.76700M -0.07200M -0.52600M -0.41600M -
Other cashflows from financing activities 47.18M 28.60M 37.26M 80.66M 80.87M
Change to netincome 0.22M -2.11100M 0.73M 1.16M 0.67M
Capital expenditures 0.51M 0.78M 2.52M 1.34M 0.79M
Change receivables -1.05800M - - -0.89800M -0.66000M
Cash flows other operating -0.29100M - - -0.91600M 0.87M
Exchange rate changes - - - - -
Cash and cash equivalents changes -52.91900M - - -10.26800M 10.94M
Change in working capital -2.34800M -0.94300M -1.14400M -1.25700M -1.01400M
Stock based compensation 1.00M 0.41M 0.59M 0.56M 0.57M
Other non cash items -0.33800M -2.13500M 1.21M 1.27M 0.53M
Free cash flow 7.97M 7.42M 6.85M 7.28M 4.97M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
UBCP
United Bancorp Inc
-0.05 0.31% 15.95 7.63 - 2.54 1.19
HDB
HDFC Bank Limited ADR
0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company provides range of banking and financial services, which includes accepting demand, savings, and time deposits. It also offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

United Bancorp Inc

201 South Fourth Street, Martins Ferry, OH, United States, 43935

Key Executives

Name Title Year Born
Mr. Scott A. Everson Pres, CEO & Director 1968
Mr. Randall M. Greenwood Sr. VP, CFO, Treasurer & Corp. Sec. 1964
Mr. Matthew Fredrick Branstetter Sr. VP & COO 1968
Mr. Michael A. Lloyd Chief Information Officer and VP 1969
Mr. Norman F. Assenza Jr. VP Compliance 1946
Mr. Chad S. Smith Chief Human Resource Officer & VP 1972
Mr. Elmer K. Leeper Chief Retail Banking Officer and VP 1967
Mr. Scott A. Everson President, CEO & Director 1968
Mr. Randall M. Greenwood Senior VP, CFO, Treasurer & Corporate Secretary 1964
Mr. Matthew Fredrick Branstetter Senior VP & COO 1968

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