United Bancorp, Inc.
General ticker "UBCP" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $80.5M (TTM average)
United Bancorp, Inc. follows the US Stock Market performance with the rate: 24.4%.
Estimated limits based on current volatility of 0.6%: low 15.53$, high 15.73$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-10, amount 0.20$ (Y5.13%)
- Total employees count: 126 (0.0%) 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 6 months up through Q2 exceed 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [12.09$, 16.12$]
- 2026-12-31 to 2027-12-31 estimated range: [12.21$, 16.37$]
Financial Metrics affecting the UBCP estimates:
- Positive: with PPE of 10.8 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 13.13 > 13.08
- Positive: 7.80 < Operating profit margin, % of 17.41
- Negative: Shareholder equity ratio, % of 8.22 <= 18.97
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.90
- Negative: Interest expense per share per price, % of 18.86 > 3.34
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
- Negative: -0.75 < Inventory ratio change, % of 0
Short-term UBCP quotes
Long-term UBCP plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $29.89MM | $29.26MM | $47.50MM |
| Operating Expenses | $20.40MM | $22.26MM | $39.23MM |
| Operating Income | $9.49MM | $7.00MM | $8.27MM |
| Non-Operating Income | $0.00MM | $0.30MM | $0.00MM |
| Interest Expense | $11.01MM | $14.72MM | $15.02MM |
| Income(Loss) | $9.49MM | $7.29MM | $8.27MM |
| Taxes | $0.54MM | $-0.11MM | $0.52MM |
| Net Income(Loss)* | $8.95MM | $7.40MM | $7.75MM |
| Stockholders Equity | $63.59MM | $63.46MM | $70.52MM |
| Assets | $819.45MM | $816.66MM | $857.45MM |
| Operating Cash Flow | $9.46MM | $8.45MM | $10.46MM |
| Capital expenditure | $1.08MM | $9.70MM | $11.78MM |
| Investing Cash Flow | $-48.47MM | $-19.46MM | $-4.51MM |
| Financing Cash Flow | $49.70MM | $-10.14MM | $20.98MM |
| Earnings Per Share** | $1.63 | $1.34 | $1.41 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.