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United Bancorp (UBCP)
NASDAQ:UBCP
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United Bancorp
(NASDAQ:UBCP)
56Neutral
United Bancorp (UBCP) vs. S&P 500 (SPY)
Market Cap
$76.13M
Dividend Yield5.53%
Average Volume (3M)8.75K
Price to Earnings (P/E)10.0
Beta (1Y)0.43
Revenue Growth7.53%
EPS Growth-19.74%
CountryUS
Employees115
SectorFinancial
Sector Strength82
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.26
Shares Outstanding5,966,278
10 Day Avg. Volume10,676
30 Day Avg. Volume8,749
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)3.02
Price to Cash Flow (P/CF)18.00
P/FCF Ratio4.10
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
United Bancorp Business Overview & Revenue Model
Company DescriptionUnited Bancorp, Inc. (UBCP) is a financial holding company headquartered in Martins Ferry, Ohio. It primarily operates through its subsidiary, The Citizens Savings Bank, providing a comprehensive range of banking services to individual and commercial customers. The company serves communities by offering traditional banking products such as deposits, loans, and other financial services. United Bancorp operates multiple banking offices across Ohio, focusing on community-based banking solutions.
How the Company Makes MoneyUnited Bancorp, Inc. generates revenue primarily through interest income derived from its loan portfolio, which includes commercial, residential, and consumer loans. The company also earns money through interest on investment securities. Additionally, non-interest income contributes to its revenue streams, which includes fees from various banking services such as transaction fees, service charges, and other financial services. United Bancorp's profitability is further influenced by its ability to manage interest rate spreads between its deposit rates and loan interest rates, as well as maintaining operational efficiencies across its branches.
United Bancorp Financial Statement Overview
Summary
United Bancorp shows a strong financial position with steady revenue growth and stable profitability margins. The balance sheet is solid with manageable leverage and good liquidity. However, the cash flow statement signals potential challenges in cash management, especially concerning capital expenditures. Addressing cash flow issues could further strengthen the company's financial health.Income Statement
United Bancorp has demonstrated strong revenue growth, with a TTM revenue of $38.3M compared to $29.9M in the previous year, indicating a healthy growth trajectory. The gross profit margin remains robust, reflecting efficient production and service delivery. However, the net profit margin has seen a slight decline from the previous year, which may require attention. Overall, the company shows solid performance with room for improvement in profitability.75
Positive
Balance Sheet
The balance sheet of United Bancorp is stable, with an equity ratio of approximately 7.9% in the TTM, indicating a moderate level of leverage. The debt-to-equity ratio has increased slightly due to rising total debt, but remains within acceptable limits. Return on equity is healthy, showcasing effective management of shareholders' investments. The company maintains strong liquidity with a substantial amount of cash and cash equivalents.80
Positive
Cash Flow
The cash flow statement reflects a challenging period for United Bancorp, with negative free cash flow in the TTM largely due to increased capital expenditures. The operating cash flow to net income ratio is positive, highlighting that the company is generating cash from operations, but the free cash flow to net income ratio is negative, indicating potential strain in cash reserves. Improvements in managing capital expenditures could enhance cash flow stability.65
Positive
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 38.32M | 29.89M | 28.47M | 27.82M | 29.81M | 24.79M |
| Gross Profit | |||||
| 38.32M | 40.90M | 28.47M | 27.82M | 29.81M | 24.79M |
| EBIT | |||||
| 24.31M | 15.45M | 12.81M | 10.68M | 8.58M | 7.41M |
| EBITDA | |||||
| 4.20M | 10.64M | 10.70M | 11.97M | 9.89M | 8.60M |
| Net Income Common Stockholders | |||||
| 7.94M | 8.95M | 8.66M | 9.45M | 7.95M | 6.81M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| -40.77M | 40.77M | 4.91M | 229.31M | 209.66M | 203.77M |
| Total Assets | |||||
| 820.63M | 819.45M | 757.40M | 724.46M | 693.40M | 685.71M |
| Total Debt | |||||
| 128.33M | 101.55M | 23.73M | 23.66M | 23.60M | 63.34M |
| Net Debt | |||||
| 87.56M | 60.78M | -6.35M | -59.33M | -27.99M | 48.36M |
| Total Liabilities | |||||
| 757.04M | 755.86M | 697.66M | 652.75M | 625.07M | 625.78M |
| Stockholders Equity | |||||
| 63.59M | 63.59M | 59.74M | 71.70M | 68.33M | 59.92M |
| Cash Flow | Free Cash Flow | ||||
| -392.00K | 8.38M | 7.97M | 7.42M | 6.85M | 7.28M |
| Operating Cash Flow | |||||
| 9.95M | 9.46M | 8.48M | 8.19M | 9.37M | 8.62M |
| Investing Cash Flow | |||||
| -32.57M | -48.47M | -103.26M | -1.21M | 33.67M | -95.79M |
| Financing Cash Flow | |||||
| -10.49M | 49.70M | 41.86M | 24.42M | -6.43M | 76.91M |
United Bancorp Technical Analysis
Negative
12.76
Price Trends
12.82
Negative
12.81
Negative
12.33
Positive
Market Momentum
0.13
Negative
46.28
Neutral
43.61
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBCP, the sentiment is Negative. The current price of 12.76 is below the 20-day moving average (MA) of 13.10, below the 50-day MA of 12.82, and above the 200-day MA of 12.33, indicating a neutral trend. The MACD of 0.13 indicates Negative momentum. The RSI at 46.28 is Neutral, neither overbought nor oversold. The STOCH value of 43.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UBCP.
United Bancorp Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $610.31M | 10.87 | 10.32% | 1.32% | 11.01% | 8.09% | |
71 Outperform | $301.39M | 9.66 | 8.10% | 3.34% | 11.16% | -26.17% | |
68 Neutral | $1.21B | 18.33 | 5.60% | 2.75% | 4.29% | -9.78% | |
64 Neutral | $294.99M | 8.71 | 12.30% | 2.84% | 9.78% | -3.24% | |
64 Neutral | $1.67B | 21.87 | 5.38% | 2.18% | -1.53% | -27.00% | |
64 Neutral | $14.25B | 10.26 | 8.97% | 4.33% | 16.33% | -11.91% | |
56 Neutral | $76.13M | 10.01 | 11.23% | 5.53% | 7.53% | -19.74% |
* Financial Sector Average
Performance Comparison
UBCP
United Bancorp
12.76
-1.19
-8.53%
BHLB
Berkshire Hills
26.15
4.50
20.79%
FBNC
First Bancorp
40.33
5.58
16.06%
CIVB
Civista Bancshares
19.47
5.14
35.87%
HTB
Hometrust Bancshares
34.74
8.92
34.55%
FSBW
FS Bancorp
38.00
5.50
16.92%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.