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United Bancorp Inc

UBCP | US

16.26

USD

0.37

2.33%

UBCP | US
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About United Bancorp Inc

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

14/04/2026

Close

16.26

Open

16.20

High

16.59

Low

15.65

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

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UBCP | US

Risk
60.7
Sharpe
0.96
Luna's Score
51/100
Recommendation
Hold

Luna says (UBCP | US)

What's Working

Positive Momentum

Good Dividend Yield (2% <= Dividend Yield <= 8%)

Low Market Beta (-0.4 to 0.8)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

What's not Working

High Short-term Volatility

Microcap (<300M USD)

High Debt to Equity (> 0.75)

Declining Revenue (< 0%)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

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10 days

62.2%

1 month

60.7%

3 months

40.2%

6 months

33.8%

Returns

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Fundamental Ratios

PE

8.30

Fwd. PE

-

Price to book

1.17

Debt to equity

2.18

Debt to assets

0.16

Ent. to EBITDA

-

Ent. to rev.

5.86

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

93.88M

MarketCap(USD)

93.88M

Div. yield

5.78

Op. margin

24.58

Erngs. growth

-26.30

Rev. growth

-5.10

Ret. on equity

14.31

Short ratio

1.08

Short perc.

0.22

Market Sentiment (SMA and Price signals)

Short-term: Bearish (SMA10D < SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

1.84

Range1M

2.69

Range3M

3.92

Volumes: Market Activity

Volume Averages

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Rel. volume

0.52

Price X volume

182.86K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Bank of the James Financial Group IncBOTJBanks - Regional - US22.12100.50M1.70%6.8231.83%
Summit State BankSSBIBanks - Regional - US13.792.94M0.59%8.9610.41%
First US Bancshares IncFUSBBanks - Regional - US15.8791.17M1.73%8.3229.56%
Lake Shore Bancorp IncLSBKSavings & Cooperative Banks15.689.50M-0.51%18.5926.75%
The Freedom Bank of VirginiaFDVABanks - Regional - US1287.13M30.630.00%
First Northwest BancorpFNWBSavings & Cooperative Banks9.6585.76M-0.21%n/a197.24%
Bank of South Carolina CorporationBKSCBanks - Regional - US15.484.05M0.87%10.5689.54%
Auburn National Bancorporation IncAUBNBanks - Regional - US23.74582.96M0.00%117.220.00%
Pathfinder Bancorp IncPBHCSavings & Cooperative Banks13.5782.78M1.19%13.32169.82%
Consumers Bancorp IncCBKMBanks - Regional - US25.880.59M6.610.00%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment34.4198.82M-0.81%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.0698.71M3.59%9.0939.79%
Reading International IncRDIBMedia - Diversified9.9578.05M-0.40%n/a4054.78%
ILAGILAGBuilding Products & Equipment3.665.02M1.12%n/a5.48%
Reading International IncRDIMedia - Diversified1.1231.62M4.19%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment0.9113.30M3.42%0.0316.03%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue5.8673.69Cheaper
PE Ratio8.3018.44Cheaper
Price to Book1.173,795.44Cheaper
Dividend Yield5.783.11Leader
Std. Deviation (3M)40.1732.77Riskier
Debt to Equity2.180.66Expensive
Debt to Assets0.160.08Expensive
Market Cap93.88M2.81BEmerging
  • 1

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