tiprankstipranks
Trending News
More News >
United Bancorp (UBCP)
NASDAQ:UBCP
US Market

United Bancorp (UBCP) AI Stock Analysis

Compare
125 Followers

Top Page

UB

United Bancorp

(NASDAQ:UBCP)

57Neutral
United Bancorp's stock score is primarily influenced by its financial challenges, including declining profitability and increased leverage, which pose risks. However, positive technical indicators and an attractive valuation provide some balance. Addressing operational and cash flow issues is crucial for improving the company's financial position and stock performance.

United Bancorp (UBCP) vs. S&P 500 (SPY)

United Bancorp Business Overview & Revenue Model

Company DescriptionUnited Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
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 faces challenges in operational efficiency and profitability, as seen in the declining net profit margin and negative EBIT. The balance sheet shows increased leverage, which adds financial risk. Cash flow issues with negative free cash flow further highlight liquidity concerns. Addressing these areas is crucial for improving financial health.
Income Statement
45
Neutral
United Bancorp showed fluctuations in revenue with a decline in 2024 compared to 2023, indicating potential instability in income generation. The negative EBIT in 2024 suggests operational inefficiencies, and the net profit margin decreased significantly. This could point to challenges in maintaining profitability.
Balance Sheet
60
Neutral
The debt-to-equity ratio increased substantially in 2024, indicating higher leverage, which could pose risks if not managed. However, the equity ratio remains relatively stable, and stockholders' equity, although reduced, still forms a significant part of total assets, suggesting some level of financial stability.
Cash Flow
50
Neutral
Free cash flow turned negative in 2024, reflecting potential issues in cash generation. Operating cash flow also decreased, which could impact liquidity. The operating cash flow to net income ratio suggests a weakening ability to convert income into cash, posing concerns for cash management.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
29.26M29.89M28.47M27.82M29.81M
Gross Profit
29.26M40.90M28.47M27.82M29.81M
EBIT
-23.25M15.45M12.81M10.68M8.58M
EBITDA
0.0010.64M10.70M11.97M9.89M
Net Income Common Stockholders
7.40M8.95M8.66M9.45M7.95M
Balance SheetCash, Cash Equivalents and Short-Term Investments
7.43M40.77M4.91M229.31M209.66M
Total Assets
38.44M819.45M757.40M724.46M693.40M
Total Debt
101.72M101.55M23.73M23.66M23.60M
Net Debt
82.11M60.78M-6.35M-59.33M-27.99M
Total Liabilities
753.20M755.86M697.66M652.75M625.07M
Stockholders Equity
27.42M63.59M59.74M71.70M68.33M
Cash FlowFree Cash Flow
-1.25M8.38M7.97M7.42M6.85M
Operating Cash Flow
8.45M9.46M8.48M8.19M9.37M
Investing Cash Flow
-19.46M-48.47M-103.26M-1.21M33.67M
Financing Cash Flow
-10.14M49.70M41.86M24.42M-6.43M

United Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price13.25
Price Trends
50DMA
12.96
Positive
100DMA
12.90
Positive
200DMA
12.43
Positive
Market Momentum
MACD
0.01
Negative
RSI
53.37
Neutral
STOCH
46.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBCP, the sentiment is Positive. The current price of 13.25 is above the 20-day moving average (MA) of 13.12, above the 50-day MA of 12.96, and above the 200-day MA of 12.43, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 53.37 is Neutral, neither overbought nor oversold. The STOCH value of 46.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBCP.

United Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$62.47M7.8612.72%3.60%14.55%-8.39%
70
Neutral
$69.87M10.928.26%5.42%34.44%361.67%
69
Neutral
$81.01M16.305.60%4.98%4.44%3.99%
66
Neutral
$72.19M9.408.64%1.91%9.82%-2.46%
63
Neutral
$12.07B9.358.15%79.57%12.85%-5.13%
57
Neutral
$79.08M10.4011.23%5.40%7.53%-19.74%
55
Neutral
$78.78M25.304.00%1.72%19.70%53.15%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
UBCP
United Bancorp
12.72
0.62
5.12%
AUBN
Auburn National Bancorporation
19.56
3.28
20.15%
BOTJ
Bank Of The Jame Financial
13.78
4.18
43.54%
IROQ
IF Bancorp
23.50
7.48
46.69%
LSBK
Lake Shore Bancorp
14.57
4.44
43.83%
FUSB
First US Bancshares
12.54
2.96
30.90%
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.