United Bancorp, Inc. (UBCP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United Bancorp, Inc. (UBCP) trades at $15.51 with AI Score 82/100 (Grade A+). United Bancorp, Inc. Market cap: $89.7M, Sector: Financial services.
Price as of Aug 22, 2026 · Last analyzed: May 9, 2026UBCP stock analysis for 2026: Analysts have set a consensus price target of $20.00 for United Bancorp, Inc., suggesting 28.9% upside from the current price of $15.51. The AI MoonshotScore is 82/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
UBCP: 1/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
United Bancorp, Inc. (UBCP) Financial Services Profile
United Bancorp, Inc., through its subsidiary Unified Bank, delivers commercial and retail banking across Ohio and West Virginia. With a focus on traditional banking services and a community-oriented approach, the company maintains a strong presence in its operating regions, characterized by a stable dividend yield and moderate market capitalization.
What Is the Investment Thesis for UBCP?
United Bancorp, Inc. presents a stable investment opportunity within the regional banking sector, characterized by a dividend yield of 5.81% and a P/E ratio of 11.5. The company's consistent profitability, demonstrated by a 16.3% profit margin, supports its ability to maintain dividend payouts. Growth catalysts include potential expansion within its existing geographic footprint and strategic initiatives to enhance operational efficiency. However, investors may want to evaluate risks associated with regional economic conditions and interest rate fluctuations, which could impact loan demand and profitability. The company's beta of 0.36 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
UBCP Key Highlights
Market capitalization of $89.7M, indicating a smaller-cap regional bank.
- P/E ratio of 11.5, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 16.3%, reflecting solid profitability in its operations.
- Gross margin of 67.5%, indicating efficient management of its revenue streams.
- Dividend yield of 5.81%, offering an attractive income stream for investors.
Who Are UBCP's Competitors?
UBCP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.22 | -0.57% | $271M | 92 |
| CFFI C&F Financial Corporation | $84.94 | -4.39% | $276M | 92 |
| FUNC First United Corporation | $42.94 | -0.95% | $277M | 92 |
| ATLO Ames National Corporation | $31.76 | +0.09% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $53.63 | -1.29% | $311M | 91 |
| TSBK Timberland Bancorp, Inc. | $46.55 | +0.47% | $364M | 91 |
| NWFL Norwood Financial Corp. | $33.77 | -0.03% | $368M | 93 |
| FNLC The First Bancorp, Inc. | $34.74 | -0.86% | $392M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UBCP's Key Strengths?
Strong community presence in Ohio and West Virginia.
- Stable deposit base.
- Experienced management team.
- Attractive dividend yield.
What Are UBCP's Weaknesses?
Limited geographic diversification.
- Smaller market capitalization compared to larger regional banks.
- Dependence on interest income.
- Exposure to regional economic conditions.
What Could Drive UBCP Stock Higher?
Potential acquisitions of smaller community banks to expand market presence.
- Implementation of digital banking initiatives to attract new customers and improve customer engagement.
- Strategic partnerships with local businesses to drive loan growth and fee income.
What Are the Key Risks for UBCP?
Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns in Ohio and West Virginia impacting loan demand and credit quality.
- Rising interest rates increasing funding costs and reducing net interest margin.
- Increased competition from larger banks and fintech companies.
- Regulatory changes affecting banking operations and compliance costs.
What Are the Growth Opportunities for UBCP?
- Expansion within Existing Markets: United Bancorp can focus on increasing its market share within its current operating areas in Ohio and West Virginia. By deepening relationships with existing customers and attracting new ones through targeted marketing and enhanced service offerings, the company can drive organic growth. The market size for banking services in these regions is estimated to be $5 billion, with a potential timeline of 3-5 years for significant market penetration.
- Strategic Partnerships: Forming strategic alliances with local businesses and community organizations can create new avenues for customer acquisition and revenue generation. By partnering with real estate developers, insurance agencies, and other complementary businesses, United Bancorp can offer bundled services and expand its reach. The potential revenue from such partnerships could reach $1 million annually within 2-3 years.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile applications can enhance customer convenience and attract a younger demographic. By offering online account opening, mobile check deposit, and other digital services, United Bancorp can improve customer engagement and reduce operational costs. The market for digital banking services is projected to grow by 15% annually, providing a significant opportunity for United Bancorp to capture new customers.
- Loan Portfolio Diversification: Diversifying its loan portfolio by expanding into niche markets, such as small business loans or agricultural lending, can reduce risk and increase revenue. By targeting specific industries with high growth potential, United Bancorp can generate higher returns and mitigate the impact of economic downturns. The market size for small business loans in its operating region is estimated to be $2 billion, with a potential timeline of 2-4 years for significant portfolio diversification.
- Fee Income Enhancement: Increasing fee income through various service charges, such as wealth management fees, overdraft fees, and transaction fees, can improve profitability and reduce reliance on interest income. By offering value-added services and implementing efficient fee structures, United Bancorp can generate additional revenue streams. The potential revenue from fee income enhancement is estimated to be $500,000 annually within 1-2 years.
What Are UBCP's Competitive Advantages?
- Established community presence in Ohio and West Virginia.
- Long-standing customer relationships built over decades.
- Local market expertise and understanding of regional economic conditions.
- Strong deposit base providing a stable source of funding.
What Does UBCP Do?
Founded in 1902, United Bancorp, Inc. has evolved into a community-focused bank holding company operating primarily through its subsidiary, Unified Bank. The company provides a range of commercial and retail banking services to individuals and businesses across Ohio and West Virginia. Unified Bank accepts various types of deposits, including demand, savings, and time deposits, catering to diverse customer needs. The bank's lending activities encompass commercial loans, commercial and residential real estate loans, and consumer loans, supporting local economic development and individual financial well-being. As of December 31, 2021, United Bancorp operated a network of banking offices in several counties in Ohio, including Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas, as well as Marshall and Ohio Counties in West Virginia. The company also maintains a loan production office in Wheeling, West Virginia, expanding its reach and service capabilities. United Bancorp's commitment to its local communities is reflected in its long-standing presence and tailored financial solutions.
What Products and Services Does UBCP Offer?
- Provides commercial and retail banking services.
- Accepts demand, savings, and time deposits.
- Grants commercial loans to businesses.
- Offers commercial and residential real estate loans.
- Provides consumer loans to individuals.
- Operates a network of banking offices in Ohio and West Virginia.
- Offers online and mobile banking services.
How Does UBCP Make Money?
- Generates revenue primarily through interest income from loans.
- Collects fees from various banking services, such as overdrafts and transactions.
- Manages deposits and provides banking solutions to individuals and businesses.
- Invests in securities to generate additional income.
What Industry Does UBCP Operate In?
United Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate movements, economic growth, and technological advancements. Regional banks like United Bancorp play a crucial role in supporting local economies by providing essential financial services to individuals and small businesses. The market is becoming increasingly competitive with the rise of fintech companies and larger national banks expanding their presence.
Who Are UBCP's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Real estate developers needing financing for projects.
- Consumers looking for residential mortgages and consumer loans.
Forward Outlook
Wall Street analysts project United Bancorp, Inc. revenue of about $27.0M for fiscal 2026, with EPS near $1.35.
Earnings Track Record
United Bancorp, Inc. has beaten Wall Street's EPS estimate in 2 of its last 3 reported quarters — more hits than misses. Reported results have landed about 12.4% below estimates on average.
Financial Health
United Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for United Bancorp, Inc. stands at 11.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. UBCP trades at a trailing price-to-earnings ratio of 11.47, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.56 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 9.1%, the inverse of the P/E and a quick read on earnings relative to price.
United Bancorp, Inc. (UBCP) Valuation Context
Valued at $89.7M, UBCP is classified as a micro-cap stock. Relative to its peer group, UBCP's quantitative score of 82/100 is roughly in line with the peer average of 92/100.
UBCP Revenue & Earnings Trend
In Q2 2026, UBCP generated $12.1M in top-line revenue, marking a sequential increase of 6.2%. The company recorded net income of $2.1M, with diluted EPS of $0.38. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, UBCP averaged $0.35 in diluted EPS.
Company Profile
United Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Martins Ferry, US. The company is led by CEO Scott A. Everson. UBCP has traded publicly since 1993.
UBCP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in growth opportunities ahead.
- Community sentiment has been trending positive as discussions around UBCP highlight its strong local presence and customer loyalty.
- Analysts have noted an uptick in regional economic activity which could benefit UBCP's lending operations and overall performance.
- Increased engagement on social platforms indicates a growing interest in UBCP, reflecting a potential shift in market perception.
Bear Case
- Concerns about rising interest rates have created apprehension among investors, as they may impact UBCP's lending margins.
- Recent discussions in the community have raised questions about the bank's asset quality, particularly in light of economic uncertainties.
- Some bearish sentiments suggest that competition in the regional banking sector could hinder UBCP's growth prospects.
- Overall market volatility has led to cautiousness among investors, with many looking for safer bets amidst economic fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $12M | $2M | $0.38 |
| Q1 2026 | $11M | $2M | $0.33 |
| Q4 2025 | $13M | $2M | $0.35 |
| Q3 2025 | $12M | $2M | $0.34 |
Based on FMP financials and quantitative analysis
UBCP Latest News
-
OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now?
zacks.com · Jul 2, 2026
UBCP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UBCP.
Price Targets
Consensus target: $20.00
UBCP MoonshotScore
What does this score mean?
The MoonshotScore rates UBCP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Scott A. Everson
CEO
Scott A. Everson serves as the CEO of United Bancorp, Inc., leading the company's strategic direction and overseeing its operations. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. Prior to joining United Bancorp, Everson held various leadership positions at regional banks, where he was responsible for driving growth, improving profitability, and managing risk. He holds a degree in Finance and is actively involved in community development initiatives.
Track Record: Under Scott A. Everson's leadership, United Bancorp has maintained a stable financial performance, characterized by consistent profitability and a strong dividend yield. He has focused on enhancing customer service, improving operational efficiency, and expanding the company's digital banking capabilities. Everson has also overseen strategic initiatives to strengthen the bank's balance sheet and manage credit risk effectively.
UBCP Financial Services Stock FAQ
What does the AI Score mean for UBCP?
UBCP holds an AI Score of 82/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. United Bancorp, Inc. is the bank holding company for Unified Bank, offering commercial and retail banking services in Ohio and West Virginia. The company provides various deposit options and loan …
What does United Bancorp, Inc. do?
United Bancorp, Inc. functions as the bank holding company for Unified Bank, delivering a comprehensive suite of commercial and retail banking services to individuals and businesses primarily in Ohio and West Virginia. The bank accepts various deposits, including checking, savings, and time deposits, and extends credit through commercial, real estate, and consumer loans.
What do analysts say about UBCP stock?
Analyst coverage of United Bancorp, Inc. (UBCP) is limited, reflecting its smaller market capitalization within the regional banking sector. Key valuation metrics, such as the P/E ratio of 11.5 and dividend yield of 5.81%, suggest a potentially undervalued stock with an attractive income stream.
What are the main risks for UBCP?
United Bancorp, Inc. faces several risks inherent to the regional banking sector. Economic downturns in Ohio and West Virginia could negatively impact loan demand and credit quality, leading to increased loan losses. Rising interest rates may increase funding costs and reduce the net interest margin, affecting profitability.
What regulatory challenges does United Bancorp, Inc. face?
As a bank holding company, United Bancorp, Inc. is subject to extensive regulatory oversight by federal and state banking authorities. These regulations govern capital requirements, lending practices, risk management, and consumer protection. Compliance with these regulations requires significant investment in personnel, systems, and processes.
What is United Bancorp, Inc.'s credit quality and risk management approach?
United Bancorp, Inc. maintains a focus on prudent credit quality and risk management practices to mitigate potential losses and ensure the stability of its loan portfolio. The company employs a comprehensive credit underwriting process, which includes thorough borrower assessments, collateral evaluations, and ongoing monitoring of loan performance.
What are the key factors to evaluate for UBCP?
United Bancorp, Inc. (UBCP) holds an AI score of 82/100 (high). P/E: 11.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does UBCP data refresh on this page?
UBCP's price was last updated on Aug 22, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UBCP's recent stock price performance?
United Bancorp, Inc. (UBCP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community presence in Ohio and West Virginia. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021 and 2026-05-09.
- Financial metrics are based on reported data and may not reflect future performance.
- Analyst opinions are based on limited coverage and may not be representative of all viewpoints.