United Bancorp, Inc.
General ticker "UBCP" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $74.8M (TTM average)
United Bancorp, Inc. follows the US Stock Market performance with the rate: 21.3%.
Estimated limits based on current volatility of 0.7%: low 13.30$, high 13.48$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-10, amount 0.19$ (Y5.64%)
- Total employees count: 115 (-8.7%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Market competition, Regulatory and compliance, Capital requirements, Liquidity and credit risks
- Price in estimated range
- Earnings for 18 months up through Q2 (+1 year) are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [10.11$, 13.69$]
- 2024-12-30 to 2025-12-30 estimated range: [10.48$, 14.35$]
Financial Metrics affecting the UBCP estimates:
- Positive: with PPE of 8.4 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 31.75 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Negative: Shareholder equity ratio, % of 7.76 <= 18.93
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
- Positive: 6.82 < Operating cash flow per share per price, % of 13.09
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 1.08
- Positive: Industry earnings per price (median), % of 8.44 > 4.43
- Negative: Investing cash flow per share per price, % of -67.03 <= -14.38
Short-term UBCP quotes
Long-term UBCP plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $27.82MM | $28.47MM | $29.89MM |
| Operating Expenses | $17.14MM | $18.93MM | $20.40MM |
| Operating Income | $10.68MM | $9.54MM | $9.49MM |
| Interest Expense | $2.60MM | $3.27MM | $11.01MM |
| Income(Loss) | $10.68MM | $9.54MM | $9.49MM |
| Taxes | $1.23MM | $0.88MM | $0.54MM |
| Profit(Loss)* | $9.45MM | $8.66MM | $8.95MM |
| Stockholders Equity | $71.70MM | $59.74MM | $63.59MM |
| Assets | $724.46MM | $757.40MM | $819.45MM |
| Operating Cash Flow | $8.19MM | $8.48MM | $9.46MM |
| Capital expenditure | $0.78MM | $0.51MM | $1.08MM |
| Investing Cash Flow | $-1.21MM | $-103.26MM | $-48.47MM |
| Financing Cash Flow | $24.42MM | $41.86MM | $49.70MM |
| Earnings Per Share** | $1.73 | $1.58 | $1.63 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.