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    U

    United Bancorp Inc (UBCP)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $13.51
    -0.49 (-3.50%)

    Market Cap: $80.30M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    83%(15/18)
    Avg Surprise
    +8.02%
    Streak
    13 Q
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    Reported Jul 23
    		$0.36N/AN/ABeat+9.1%
    Mar 26
    Reported May 7
    		$0.33$0.00N/ABeat-3.0%
    Dec 25
    Reported Feb 3
    		$0.37N/AN/ABeat+12.9%
    Sep 25
    Reported Nov 6
    		$0.34$0.00N/ABeat+5.0%
    Jun 25
    Reported Jul 31
    		$0.33N/AN/ABeat+6.8%
    Mar 25
    Reported May 9
    		$0.34$0.00N/ABeat-7.2%
    Dec 24
    Reported Feb 7
    		$0.33$0.00N/ABeat-21.8%
    Sep 24
    Reported Nov 6
    		$0.32$0.00N/ABeat-22.9%
    Jun 24
    Reported Aug 7
    		$0.31$0.00N/ABeat-22.7%
    Mar 24
    Reported May 9
    		$0.36$0.00N/ABeat+10.1%
    Dec 23
    Reported Feb 6
    		$0.42$0.42+0.00%Beat+5.0%
    Sep 23
    Reported Oct 31
    		$0.42$0.42+0.00%Beat+5.0%
    Jun 23
    Reported Jul 31
    		$0.40$0.40+0.00%Beat+0.0%
    Mar 23
    Reported May 4
    		$0.33$0.00N/ABeat+6.2%
    Dec 22
    Reported Mar 17
    		$0.40$0.40+0.00%Beat-2.4%
    Sep 22
    Reported Nov 1
    		$0.40$0.40+0.00%Beat-20.0%
    Jun 22
    Reported Aug 3
    		$0.40$0.40+0.00%Beat+5.3%
    Mar 22
    Reported May 5
    		$0.31$0.31+0.00%Beat-6.1%
    Dec 21
    Reported Mar 18
    		$0.41$0.35+17.14%Beat-10.9%
    Sep 21
    Reported Nov 15
    		$0.50$0.26+92.31%Beat+38.9%
    Jun 21
    Reported Jul 29
    		$0.38$0.37+2.70%Beat+31.0%
    Mar 21
    Reported Apr 29
    		$0.33$0.33+0.00%Beat+17.9%
    Dec 20
    Reported Mar 19
    		$0.46$0.37+24.32%Beat+48.4%
    Sep 20
    Reported Oct 20
    		$0.36$0.29+24.14%Beat+16.1%
    Jun 20
    Reported Jul 29
    		$0.29$0.31-6.45%Miss+0.0%
    Mar 20
    Reported May 1
    		$0.28$0.30-6.67%Miss+0.0%
    Dec 19
    Reported Mar 20
    		$0.31$0.32-3.13%Miss+4.0%
    Sep 19
    Reported Oct 10
    		$0.31$0.31+0.00%Beat+24.0%
    Jun 19
    Reported Aug 2
    		$0.29$0.29+0.00%Beat+31.8%
    Mar 19
    Reported Apr 24
    		$0.28N/AN/ABeat+27.3%
    Dec 18
    Reported Mar 20
    		$0.30N/AN/ABeat+86.3%
    Sep 18
    Reported Oct 9
    		$0.25N/AN/ABeat+25.0%
    Jun 18
    Reported Jul 23
    		$0.22N/AN/ABeat+22.2%
    Mar 18
    Reported Apr 26
    		$0.22N/AN/ABeat+29.4%
    Dec 17
    Reported Mar 20
    		$0.16N/AN/ABeat-11.1%
    Sep 17
    Reported Oct 16
    		$0.20N/AN/ABeat-
    Jun 17
    Reported Jul 27
    		$0.18N/AN/ABeat-
    Mar 17
    Reported Apr 27
    		$0.17N/AN/ABeat-
    Dec 16
    Reported Mar 20
    		$0.18N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield5.85%
    Forward Annual Dividend$0.79
    Payout Ratio65.22%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+5.88%
    5Y CAGR+10.05%
    UBCP dividend history and ex-dividend datesRun UBCP in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.67EV/EBITDA19.75x
    Price/FCF-13.25xFCF Yield-7.54%
    Profitability
    Profit Margin24.20%Operating Margin25.40%
    ROE12.10%ROIC4.20%
    Financial Health
    Debt/Equity1.50xInterest Coverage0.52x
    Current Ratio1.56xQuick Ratio1.56x
    Trading Statistics
    Beta0.33Avg Volume10.41K
    52-Week High$16.9252-Week Low$11.80

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$14.28
    SMA 20$14.73
    SMA 50$15.20
    SMA 200$15.03
    EMA 10$14.28
    EMA 20$14.59
    EMA 50$15.01
    EMA 200$14.90

    MACD

    Line: -0.37Signal: -0.30Hist: -0.07

    ADX

    ADX: 15.5+DI: 15.7-DI: 23.8

    Aroon & PSAR

    Aroon Up28.0
    Aroon Down100.0
    PSAR$14.94

    Bollinger Bands

    Upper Band$16.07
    Lower Band$13.39
    %B Position1824%(Upper)
    Band Width0.05

    RSI (14-Day)

    Neutral
    34.1

    Momentum Oscillators

    Stoch %K15.2
    Stoch %D19.6
    Williams %R-89.6
    ROC (10d)-5.5%
    Momentum-0.79
    CCI (20d)-149.7
    MFI (14d)34.1

    Volatility Measures

    ATR (14d)$0.56(4.1%)
    StdDev (20d)0.67
    Hist Vol38.8%(Moderate)

    Volume Flow

    VWAP$13.73
    OBV314.1K
    AD Line-93568639539.9B
    CMF (20d)-0.395

    Volume Metrics

    Avg Vol (20d)9.5K
    Vol Ratio1.9x(High)
    VWMA (20d)$14.73

    Pivot Points

    R3$15.48
    R2$15.19
    R1$14.59
    Pivot Point$14.30
    S1$13.70
    S2$13.41
    S3$12.81

    Advanced Oscillators

    TSI-20.56
    Ultimate Osc29.4
    KST-74.81

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$12.15M$11.44M$12.60M$11.98M$11.80M$11.12M$11.27M$11.16M$11.06M$10.49M$10.73M$10.61M
    Cost of Revenue$3.65M$3.53M$3.90M$4.09M$4.02M$3.69M$3.86M$3.87M$3.78M$3.51M$3.05M$2.93M
    Gross Profit$8.50M$7.91M$8.70M$7.89M$7.78M$7.43M$7.41M$7.29M$7.28M$6.98M$7.68M$7.68M
    Operating Expenses$6.43M$6.16M$6.73M$5.98M$5.84M$5.59M$5.63M$5.53M$5.67M$4.84M$5.09M$5.23M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$3.60M$3.40M$3.34M$3.31M$3.12M$3.09M$3.07M$3.02M$2.94M$2.04M$2.74M$2.72M
    Operating Income$2.06M$1.75M$1.97M$1.91M$1.94M$1.85M$1.78M$1.76M$1.61M$2.14M$2.59M$2.45M
    Interest Income$10.46M$9.93M$10.51M$10.54M$10.32M$9.75M$9.98M$9.85M$9.78M$9.52M$9.61M$9.65M
    Interest Expense$3.53M$3.50M$3.71M$3.91M$3.82M$3.60M$3.73M$3.81M$3.68M$3.51M$3.20M$3.08M
    Income Before Tax$2.06M$1.75M$1.97M$1.91M$1.94M$1.85M$1.78M$1.76M$1.61M$2.14M$2.59M$2.45M
    Income Tax Expense$-33,941$-160,064$-62,000$-20,000$22,647$-26,000$-66,000$-64,000$-127,000$150,000$202,000$58,000
    Net Income$2.09M$1.91M$2.04M$1.93M$1.91M$1.87M$1.85M$1.82M$1.74M$1.99M$2.39M$2.39M
    EBITDA$2.06M$2.16M$2.33M$2.25M$2.26M$2.17M$2.11M$2.22M$1.75M$2.44M$2.88M$2.74M
    EBITN/A$1.75M$1.97M$1.91M$1.94M$1.85M$1.78M$1.76M$1.61M$2.14M$2.59M$2.45M
    * Some calculated fields are derived from available data when not provided by source

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    News

    United Bancorp crossed below 200-day line: Weiss cut United Bancorp stock rating

    Weiss Ratings downgraded United Bancorp (UBCP) from "buy" to "hold" on September 22, 2026, following the stock's dip below its 200-day moving average of USD 15.62 in October 2026. Despite this technical weakness...

    ad-hoc-news.de•10/15/26•Somewhat-Bearish

    United Bancorp (NASDAQ:UBCP) Stock Price Crosses Below 200-Day Moving Average - Here's What Happened

    United Bancorp (NASDAQ:UBCP) saw its stock price fall below its 200-day moving average, trading as low as $14.26 and closing at $14.31. This occurred after Weiss Ratings downgraded the stock from "buy" to "hold,"...

    MarketBeat•10/13/26•Somewhat-Bearish

    United Bancorp stock gained 3.43 percent on October 1

    United Bancorp (UBCP) stock increased by 3.43% to USD 14.79 on October 1, 2026, driven by strong second-quarter earnings. The company reported a 9.5% rise in profit and a 9.1% increase in EPS for the second quarter...

    AD HOC NEWS•10/6/26•Bullish

    Zacks upgrades United Bancorp stock to Outperform on margin growth

    Zacks has upgraded United Bancorp stock (UBCP) from Neutral to Outperform, driven by strong deposit growth and expanding net interest margins. The company reported a 9.5% increase in second-quarter net income and a 5.8%...

    AD HOC NEWS•10/2/26•Somewhat-Bullish

    United Bancorp (NASDAQ:UBCP) Stock Price Breaks Below 200 Day Moving Average - Time to Sell?

    United Bancorp (NASDAQ:UBCP) stock has fallen below its 200-day moving average, trading at $15.18, with a downgraded rating from Weiss Ratings and a consensus "Hold" from analysts. Despite this technical weakness...

    MarketBeat•9/25/26•Somewhat-Bearish

    UBCP Valuation and Fair Value

    P/E
    9.7x
    Forward P/E
    10.3x
    EV/EBITDA
    19.8x
    P/FCF
    -13.3x
    PEG
    0.0x
    P/B
    1.0x
    See GNG's fair value

    UBCP Profitability: Margins, ROIC and FCF

    Gross margin
    68.5%
    Operating margin
    25.4%
    Net margin
    24.2%
    ROIC
    4.2%
    ROE
    12.1%
    FCF margin
    -11.6%
    FCF yield
    -7.5%

    UBCP Competitors

    CompanyTicker
    First Seacoast BancorpFSEA
    Silvercrest Asset Management Group IncSAMG
    Hennessy AdHNNA
    Central Plains Bancshares, Inc. Common StockCPBI
    Summit State BankSSBI
    NSTS Bancorp IncNSTS
    Siebert Financial CorpSIEB
    Income Opportunity Realty InvestorsIOR

    Sector: Financial Services

    UBCP Bull Case vs Bear Case

    Bull case

    • UBCP has a 24.2% net profit margin.
    • UBCP beat EPS estimates in 87.5% of its last 8 reported quarters.

    UBCP Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    0.0%

    UBCP Dividend

    Forward yield
    5.8%
    Payout ratio
    65.2%
    3Y DPS growth
    5.9%
    5Y DPS growth
    10.0%
    Pay months
    Mar, Jun, Sep, Dec
    UBCP dividend history

    Frequently Asked Questions About UBCP

    What is UBCP's current dividend yield?

    United Bancorp Inc (UBCP) has a forward dividend yield of 5.85%.

    Does UBCP pay dividends?

    Yes, United Bancorp Inc pays dividends with a forward dividend yield of 5.85%.

    What is UBCP's P/E ratio?

    United Bancorp Inc has a price-to-earnings (P/E) ratio of 9.67.

    What is UBCP's market cap?

    United Bancorp Inc (UBCP) has a market capitalization of $80.30M with a current stock price of $13.51.

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