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UNITED BANCORP INC /OH/

Data quality: 83%
UBCP
Nasdaq Financial Services Depository Institutions
$16.22
▲ $0.25 (1.57%)
Mkt Cap: 92.21 M
Price
$15.97
Mkt Cap
92.21 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

ROE of 12.29% — decent returns on equity
Negative free cash flow of -1.32 M
P/E of 11.89 — trading at a low valuation

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)4.74%
FCF Growth (3Y)N/A

Quality

Return on Equity
12.29%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
11.89
Above sector avg (11.15)
P/B Ratio1.39
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2153 peers)
Metric Stock Sector Median
P/E 11.9 11.1
P/B 1.4 1.2
ROE % 12.3 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

ETFs Holding This Stock

BOSVX BOSVX
0.01% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 4.74% Earnings Growth (3Y) -6.93%
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) N/A Net Income (TTM) 7.75 M
ROE 12.29% ROA 0.90%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) -1.32 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 65.79 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 11.89 Forward P/E N/A
P/B Ratio 1.39 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield -1.43%
Market Cap 92.21 M Enterprise Value 46.56 M
Per Share
EPS (Diluted TTM) 1.34 Revenue / Share N/A
FCF / Share -0.23 OCF / Share 1.81
EPS CAGR (1Y) 5.51% EPS CAGR (5Y) N/A
EPS CAGR (10Y) 7.31%
Efficiency
CapEx / Revenue N/A FCF Conversion -17.05%
SBC-Adj. FCF -2.13 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2020
Revenue — — — — —
Net Income 7.75 M 7.40 M 8.95 M 8.66 M 7.95 M
EPS (Diluted) 1.34 1.27 1.57 1.50 1.39
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1.23 M 1.08 M 997,000.0 1.01 M 1.16 M
Interest Expense 26.46 M 24.80 M 11.01 M 3.27 M 4.73 M
Income Tax -86,000.0 -107,000.0 541,000.0 879,000.0 629,000.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2020
Total Assets 857.45 M 816.66 M 819.45 M 757.40 M 693.40 M
Total Liabilities 786.93 M 753.20 M 755.86 M 697.66 M 625.07 M
Shareholders' Equity 70.52 M 63.46 M 63.59 M 59.74 M 68.33 M
Total Debt — — — — —
Cash & Equivalents 46.53 M 19.61 M 40.77 M 30.08 M 51.59 M
Current Assets — — — — —
Current Liabilities — — — — —