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15.68 USD
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P/E
11.40
EPS
1.36
Yield
6.04%
Safety Score
40
P/B
1.33
ROE
12.15
Beta
0.36
1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateAug. 5, 2026
P/E11.40
EPS1.36
Book Value11.68
Price to Book1.33
% Insiders16.230%
Growth
Revenue Growth0.09%
Earnings Growth0.09%
Estimates
Forward P/E9.69
Forward EPS1.60
Dividend
Dividend Yield6.04%
Annual dividends0.94 USD
Ex-Div. DateJune 10, 2026
Payout55.73%
5y avg Yield4.67%

DCF Valuation

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Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result
Fair Value (DCF)
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Current Price
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Upside
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WACC
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Terminal PV
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Σ PV of FCFs
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

United Bancorp, Inc. Logo United Bancorp, Inc. Analysis (UBCP)

United States Financials Official Website Stock

Is United Bancorp, Inc. a good investment? United Bancorp, Inc. (UBCP) is currently trading at 15.68 USD.

In terms of valuation, the stock trades at a P/E ratio of 11.40. This relatively low multiple may signal that United Bancorp, Inc. is undervalued compared to historical market norms.

Earnings Schedule: United Bancorp, Inc. is expected to release its next earnings report on Aug. 5, 2026. The market consensus estimate for Forward EPS is 1.60.

For income investors, United Bancorp, Inc. pays a dividend yield of 6.04%. With a payout ratio of 56%, the dividend appears sustainable.

Investor FAQ

Does United Bancorp, Inc. pay a dividend?

Yes, it pays an annual dividend of 0.94 USD (6.04% yield).

What asset class is United Bancorp, Inc.?

United Bancorp, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Aug. 5, 2026. The company currently has a trailing EPS of 1.36.

Company Profile

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Exchange Ticker
NCM (Australia) UBCP
Trades
Dividend Yield
6.04%
5y avg 4.67%
Annual Dividends
0.94USD
Next Ex. Div Date
June 10, 2026
Payout Ratio
55.73%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.67 USD
June 21, 2027 (estimated) 0.2053
March 22, 2027 (estimated) 0.4607
▸2026
0.96 USD
Dec. 21, 2026 (estimated) 0.2014
Sept. 21, 2026 (estimated) 0.1981
June 19, 2026 0.1950
March 20, 2026 0.3675
▸2025
0.92 USD
Dec. 19, 2025 0.1900
Sept. 19, 2025 0.1875
June 20, 2025 0.1850
March 20, 2025 0.3575
▸2024
0.86 USD
Dec. 20, 2024 0.1800
Sept. 20, 2024 0.1775
June 20, 2024 0.1750
March 20, 2024 0.3225
▸2023
0.82 USD
Dec. 20, 2023 0.1700
Sept. 20, 2023 0.1675
June 20, 2023 0.1650
March 20, 2023 0.3125
▸2022
0.78 USD
Dec. 20, 2022 0.1600
Sept. 20, 2022 0.1575
June 17, 2022 0.1550
March 18, 2022 0.3030
▸2021
0.68 USD
Dec. 20, 2021 0.1500
Sept. 20, 2021 0.1470
June 18, 2021 0.1450
March 19, 2021 0.2425
▸2020
0.57 USD
Dec. 18, 2020 0.1425
Sept. 18, 2020 0.1425
June 19, 2020 0.1425
March 20, 2020 0.1425
▸2019
0.55 USD
Dec. 20, 2019 0.1400
Sept. 20, 2019 0.1375
June 20, 2019 0.1350
March 20, 2019 0.1325
▸2018
0.57 USD
Dec. 20, 2018 0.1800
Sept. 20, 2018 0.1300
June 20, 2018 0.1300
March 20, 2018 0.1300
▸2017
0.51 USD
Dec. 20, 2017 0.1700
Sept. 20, 2017 0.1200
June 20, 2017 0.1100
March 20, 2017 0.1100
▸2016
0.47 USD
Dec. 20, 2016 0.1600
Sept. 20, 2016 0.1100
June 20, 2016 0.1000
March 18, 2016 0.1000
▸2015
0.42 USD
Dec. 18, 2015 0.1500
Sept. 18, 2015 0.0900
June 19, 2015 0.0900
March 20, 2015 0.0900
▸2014
0.33 USD
Dec. 19, 2014 0.0900
Sept. 19, 2014 0.0800
June 20, 2014 0.0800
March 20, 2014 0.0800
▸2013
0.29 USD
Dec. 20, 2013 0.0800
Sept. 20, 2013 0.0700
June 20, 2013 0.0700
March 20, 2013 0.0700
▸2012
0.42 USD
Dec. 20, 2012 0.0700
Sept. 20, 2012 0.0700
June 20, 2012 0.1400
March 20, 2012 0.1400
▸2011
0.56 USD
Dec. 20, 2011 0.1400
Sept. 20, 2011 0.1400
June 20, 2011 0.1400
March 18, 2011 0.1400
▸2010
0.56 USD
Dec. 20, 2010 0.1400
Sept. 20, 2010 0.1400
June 18, 2010 0.1400
March 19, 2010 0.1400
▸2009
0.56 USD
Dec. 18, 2009 0.1400
Sept. 18, 2009 0.1400
June 19, 2009 0.1400
March 20, 2009 0.1400
▸2008
0.54 USD
Dec. 19, 2008 0.1400
Sept. 19, 2008 0.1400
June 20, 2008 0.1300
March 20, 2008 0.1300
▸2007
0.52 USD
Dec. 20, 2007 0.1300
Sept. 20, 2007 0.1300
June 20, 2007 0.1300
March 20, 2007 0.1300
▸2006
0.51 USD
Dec. 20, 2006 0.1182
Sept. 20, 2006 0.1300
June 20, 2006 0.1300
March 20, 2006 0.1300
▸2005
0.52 USD
Dec. 20, 2005 0.1300
Sept. 20, 2005 0.1300
June 20, 2005 0.1300
March 18, 2005 0.1300
▸2004
0.52 USD
Dec. 20, 2004 0.1300
Sept. 20, 2004 0.1300
June 18, 2004 0.1300
March 19, 2004 0.1300
▸2003
0.52 USD
Dec. 19, 2003 0.1300
Sept. 19, 2003 0.1300
June 20, 2003 0.1300
March 20, 2003 0.1300
▸2002
0.52 USD
Dec. 20, 2002 0.1300
Sept. 20, 2002 0.1300
June 20, 2002 0.1300
March 20, 2002 0.1300
▸2001
0.52 USD
Dec. 20, 2001 0.1300
Sept. 20, 2001 0.1300
June 20, 2001 0.1300
March 20, 2001 0.1300
▸2000
0.52 USD
Dec. 20, 2000 0.1300
Sept. 20, 2000 0.1300
June 20, 2000 0.1300
March 20, 2000 0.1300
▸1999
0.52 USD
Nov. 29, 1999 0.1300
Sept. 20, 1999 0.1300
June 18, 1999 0.1300
March 19, 1999 0.1300
▸1998
0.49 USD
Nov. 27, 1998 0.1300
Sept. 18, 1998 0.1200
June 19, 1998 0.1200
March 20, 1998 0.1200
▸1997
0.44 USD
Dec. 19, 1997 0.1200
Sept. 19, 1997 0.1000
June 20, 1997 0.1100
March 20, 1997 0.1100
▸1996
0.44 USD
Dec. 20, 1996 0.1100
Sept. 20, 1996 0.1100
June 20, 1996 0.1100
March 20, 1996 0.1100
▸1995
0.42 USD
Dec. 20, 1995 0.1100
Sept. 8, 1995 0.1100
June 9, 1995 0.1000
March 10, 1995 0.1000
▸1994
0.32 USD
Dec. 9, 1994 0.0800
Sept. 9, 1994 0.0800
June 10, 1994 0.0800
March 10, 1994 0.0800
▸1993
0.38 USD
Dec. 10, 1993 0.0800
Sept. 10, 1993 0.1500
June 10, 1993 0.1500
Upcoming Dividends
Name Payment Date Status Amount
United Bancorp, Inc. Jun 19, 2026 0.195 USD
United Bancorp, Inc. Mar 20, 2026 0.3675 USD
United Bancorp, Inc. Dec 19, 2025 0.19 USD
United Bancorp, Inc. Sep 19, 2025 0.1875 USD
Stock Splits
Split Date Split Ratio to 1
Nov. 29, 2000 1.050000
Nov. 29, 2001 1.050000
Nov. 27, 2002 1.050000
Nov. 28, 2003 1.100000
Dec. 1, 2004 1.100000
Nov. 29, 2006 1.100000
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