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Equity
United Bancorp Inc(UBCP)
USD --+0.00%
Reward55Moderate
Risk33Moderate
📊75%Data
Strong 24% profit margin · 4.9% dividend yield · Revenue growing 17% YoY
UBCP
+0.0 · +0.00%
USD · NASDAQ
United Bancorp Inc | Financial Services
Dividend King
Market Cap:86.03M
ℹ️
Reward Rating
55
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
33
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on UBCP to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $20.00.

What is United Bancorp Inc?

operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio.

UBCP · Verdict

Solid reward · moderate risk

UBCP scores well on volatility and balance sheet with no major weaknesses flagged in the model.

Based on 88% data coverage

UBCP · Verdict

What’s working & what to watch

Strengths 4

  • Volatility80/100

    Top decile vs peers

  • Balance sheet70/100

    Interest covered 0.6×

  • Cash flow67/100

    16% net margin

  • Profitability66/100

    16% net margin · 12% ROE

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is United Bancorp Inc?

operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers a range of banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 86.03M, and a P/E ratio of 11.1x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (55)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap86.03M
P/E Ratio11.1194
Dividend Yield4.90%
52 Week High15.39
52 Week Low11.7707
Last AnnualDecember
IPO Date8/18/1995
IncorporatedUSA
Shares Outstanding6M
No. of Employees115
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.389
CurrencyUSD
Websitewww.unitedbancorp.com
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