UBCP logo

UNITED BANCORP INC/OHIO

UBCPNASDAQ
🏆 #4179 by market capEarnings Nov 3US Equity
$336.65▼ $26.60 (−7.90%)
Simulated price
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24h▼ 7.9%
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🏦Market Cap
$85M
Small Cap
📈Revenue Growth (YoY)
+8.0%
Slowing
📊Gross Margin
68.5%
High
💵FCF Margin
13.4%
Healthy
⚖️P/S Ratio
1.8x
Cheap
Otter Score
76
Good
No chart data available for UBCP.

Trading Snapshot

Day Range
$334.24 – $339.07
52-Week Range
$12.55 – $17.34
Volume
$2.22B
Avg Volume
$2.70B
Shares Outstanding
5.8M
Next Earnings
Dec 8, 2026

Fundamentals Snapshot

Annual Revenue
$47M
Last Q Revenue
$12M
P/E Ratio
10.4
P/S Ratio
1.8x
EPS (TTM)
$1.46
Dividend Yield
6.44%
Dilution (1yr)
+3.3%

Why Investors Own UBCP

  • ✓High-growth profile — revenue up +40.6% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 32% gross margin and 23% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UBCP logo

UNITED BANCORP INC/OHIO

UBCP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$47M▲ +8.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.4%▲ +2.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$8M▲ +13.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
−$2M▲ +46.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
5.8M▲ +3.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$85M▲ +$28M YoY
StockOtter · stockotter.space

About UNITED BANCORP INC/OHIO

United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
76/100

Analyst Price Target

ⓘ
Average Target
$368.52
▲ +9.5% Upside
High Target$461.64
Low Target$334.15
Based on 15 analysts

Latest News & Updates

🚀
MarketWatch·2h ago

UNITED BANCORP INC/OHIO tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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CNBC·5h ago

Analysts lift UBCP price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

🌌
CNBC·1d ago

UNITED BANCORP INC/OHIO announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.