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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.26
UBCP's Cash-to-Debt is ranked lower than
83% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. UBCP: 0.26 )
Ranked among companies with meaningful Cash-to-Debt only.
UBCP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.51 Max: 12.56
Current: 0.26
0.16
12.56
Equity-to-Asset 0.10
UBCP's Equity-to-Asset is ranked higher than
51% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBCP: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
UBCP' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 2.68
UBCP's Interest Coverage is ranked higher than
63% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. UBCP: 2.68 )
Ranked among companies with meaningful Interest Coverage only.
UBCP' s Interest Coverage Range Over the Past 10 Years
Min: 0.18  Med: 0.61 Max: 2
Current: 2.68
0.18
2
Piotroski F-Score: 5
Beneish M-Score: -2.49
WACC vs ROIC
2.89%
5.06%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 27.60
UBCP's Operating Margin % is ranked lower than
58% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. UBCP: 27.60 )
Ranked among companies with meaningful Operating Margin % only.
UBCP' s Operating Margin % Range Over the Past 10 Years
Min: 14.95  Med: 18.83 Max: 25.9
Current: 27.6
14.95
25.9
Net Margin % 19.34
UBCP's Net Margin % is ranked lower than
61% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. UBCP: 19.34 )
Ranked among companies with meaningful Net Margin % only.
UBCP' s Net Margin % Range Over the Past 10 Years
Min: 13.67  Med: 15.35 Max: 20.29
Current: 19.34
13.67
20.29
ROE % 8.26
UBCP's ROE % is ranked lower than
51% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. UBCP: 8.26 )
Ranked among companies with meaningful ROE % only.
UBCP' s ROE % Range Over the Past 10 Years
Min: 6.36  Med: 7.46 Max: 11.09
Current: 8.26
6.36
11.09
ROA % 0.86
UBCP's ROA % is ranked lower than
51% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UBCP: 0.86 )
Ranked among companies with meaningful ROA % only.
UBCP' s ROA % Range Over the Past 10 Years
Min: 0.5  Med: 0.64 Max: 0.84
Current: 0.86
0.5
0.84
3-Year Revenue Growth Rate -0.50
UBCP's 3-Year Revenue Growth Rate is ranked lower than
71% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. UBCP: -0.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UBCP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.4  Med: 0.6 Max: 8.4
Current: -0.5
-3.4
8.4
3-Year EBITDA Growth Rate 10.40
UBCP's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. UBCP: 10.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UBCP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.1  Med: 0.6 Max: 14.9
Current: 10.4
-19.1
14.9
3-Year EPS without NRI Growth Rate 10.10
UBCP's 3-Year EPS without NRI Growth Rate is ranked higher than
60% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBCP: 10.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UBCP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.6  Med: 0.6 Max: 13.8
Current: 10.1
-16.6
13.8
GuruFocus has detected 5 Warning Signs with United Bancorp Inc $UBCP.
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» UBCP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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United Bancorp Inc is a bank holding company. It offers banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate & consumer loans.

United Bancorp Inc is a bank holding company. It offers banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate & consumer loans. The Company operates two divisions for marketing purposes, The Community Bank, a division of The Citizens Savings Bank and The Citizens Bank, a division of The Citizens Savings Bank. It serves customers in northeastern, eastern, southeastern and south central Ohio and is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. It conducts its business through its main office and stand alone operations center in Martins Ferry, Ohio and nineteen branches located in the counties mentioned above. It offers full brokerage service through LPL Financial member NASD/SIPC. The Bank competes for loans and deposits with other retail commercial banks, savings and loan associations, finance companies, credit unions and other types of financial institutions within the Mid-Ohio valley geographic area along the eastern border of Ohio including Belmont, Harrison and Jefferson counties and extending into the northern panhandle of West Virginia and the Tuscarawas and Carroll County geographic areas of northeastern Ohio. It also encounters similar competition for loans and deposits throughout the Athens, Hocking, and Fairfield County geographic areas of central and southeastern Ohio. The Company is a registered bank holding company and is subject to inspection, examination and supervision by the Board of Governors of the Federal Reserve System (the "Federal Reserve Board") pursuant to the Bank Holding Company Act of 1956, as amended.

Ratios

vs
industry
vs
history
PE Ratio 18.11
UBCP's PE Ratio is ranked lower than
66% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. UBCP: 18.11 )
Ranked among companies with meaningful PE Ratio only.
UBCP' s PE Ratio Range Over the Past 10 Years
Min: 9.49  Med: 14.82 Max: 24.67
Current: 18.11
9.49
24.67
PE Ratio without NRI 18.11
UBCP's PE Ratio without NRI is ranked lower than
65% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. UBCP: 18.11 )
Ranked among companies with meaningful PE Ratio without NRI only.
UBCP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.49  Med: 14.83 Max: 24.89
Current: 18.11
9.49
24.89
Price-to-Owner-Earnings 28.82
UBCP's Price-to-Owner-Earnings is ranked lower than
86% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. UBCP: 28.82 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UBCP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.19  Med: 14.57 Max: 247.5
Current: 28.82
6.19
247.5
PB Ratio 1.54
UBCP's PB Ratio is ranked lower than
70% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBCP: 1.54 )
Ranked among companies with meaningful PB Ratio only.
UBCP' s PB Ratio Range Over the Past 10 Years
Min: 0.89  Med: 1.25 Max: 1.78
Current: 1.54
0.89
1.78
PS Ratio 3.45
UBCP's PS Ratio is ranked lower than
51% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. UBCP: 3.45 )
Ranked among companies with meaningful PS Ratio only.
UBCP' s PS Ratio Range Over the Past 10 Years
Min: 1.67  Med: 2.26 Max: 7.14
Current: 3.45
1.67
7.14
Price-to-Free-Cash-Flow 46.45
UBCP's Price-to-Free-Cash-Flow is ranked lower than
92% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. UBCP: 46.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UBCP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.41  Med: 10.37 Max: 49.45
Current: 46.45
5.41
49.45
Price-to-Operating-Cash-Flow 17.76
UBCP's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. UBCP: 17.76 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UBCP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.92  Med: 8.33 Max: 28.21
Current: 17.76
4.92
28.21
EV-to-EBIT 21.11
UBCP's EV-to-EBIT is ranked lower than
74% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. UBCP: 21.11 )
Ranked among companies with meaningful EV-to-EBIT only.
UBCP' s EV-to-EBIT Range Over the Past 10 Years
Min: -6.6  Med: 17.6 Max: 71.3
Current: 21.11
-6.6
71.3
EV-to-EBITDA 18.17
UBCP's EV-to-EBITDA is ranked lower than
72% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. UBCP: 18.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBCP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.9  Med: 13.8 Max: 49.9
Current: 18.17
-4.9
49.9
PEG Ratio 4.31
UBCP's PEG Ratio is ranked lower than
82% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.55 vs. UBCP: 4.31 )
Ranked among companies with meaningful PEG Ratio only.
UBCP' s PEG Ratio Range Over the Past 10 Years
Min: 0.92  Med: 3.29 Max: 46.42
Current: 4.31
0.92
46.42
Shiller PE Ratio 19.56
UBCP's Shiller PE Ratio is ranked higher than
58% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. UBCP: 19.56 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBCP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.4  Med: 12.39 Max: 20.77
Current: 19.56
8.4
20.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.71
UBCP's Dividend Yield % is ranked higher than
68% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. UBCP: 3.71 )
Ranked among companies with meaningful Dividend Yield % only.
UBCP' s Dividend Yield % Range Over the Past 10 Years
Min: 3.04  Med: 4.87 Max: 8.1
Current: 3.71
3.04
8.1
Dividend Payout Ratio 0.59
UBCP's Dividend Payout Ratio is ranked lower than
83% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UBCP: 0.59 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UBCP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.55  Med: 0.89 Max: 1.08
Current: 0.59
0.55
1.08
3-Year Dividend Growth Rate -4.10
UBCP's 3-Year Dividend Growth Rate is ranked lower than
81% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. UBCP: -4.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UBCP' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -19.7  Med: 5.8 Max: 19
Current: -4.1
-19.7
19
Forward Dividend Yield % 3.47
UBCP's Forward Dividend Yield % is ranked higher than
60% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. UBCP: 3.47 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.08
UBCP's 5-Year Yield-on-Cost % is ranked lower than
71% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. UBCP: 2.08 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UBCP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.71  Med: 2.74 Max: 4.55
Current: 2.08
1.71
4.55
3-Year Average Share Buyback Ratio -0.10
UBCP's 3-Year Average Share Buyback Ratio is ranked higher than
72% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. UBCP: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UBCP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.7  Med: -0.3 Max: 1.6
Current: -0.1
-5.7
1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.54
UBCP's Price-to-Tangible-Book is ranked lower than
63% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UBCP: 1.54 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UBCP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.93  Med: 1.37 Max: 2.77
Current: 1.54
0.93
2.77
Price-to-Intrinsic-Value-Projected-FCF 0.87
UBCP's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
54% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. UBCP: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UBCP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.71 Max: 1.15
Current: 0.87
0.46
1.15
Price-to-Median-PS-Value 1.53
UBCP's Price-to-Median-PS-Value is ranked lower than
77% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UBCP: 1.53 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UBCP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.21 Max: 2.92
Current: 1.53
0.77
2.92
Price-to-Graham-Number 1.12
UBCP's Price-to-Graham-Number is ranked lower than
63% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. UBCP: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UBCP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.64  Med: 0.94 Max: 1.81
Current: 1.12
0.64
1.81
Earnings Yield (Greenblatt) % 4.70
UBCP's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. UBCP: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBCP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.4  Med: 5.6 Max: 128
Current: 4.7
1.4
128
Forward Rate of Return (Yacktman) % 11.47
UBCP's Forward Rate of Return (Yacktman) % is ranked higher than
52% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. UBCP: 11.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UBCP' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -12.6  Med: 10.65 Max: 23.7
Current: 11.47
-12.6
23.7

More Statistics

Revenue (TTM) (Mil) $18.34
EPS (TTM) $ 0.70
Beta-0.05
Short Percentage of Float0.09%
52-Week Range $8.72 - 15.25
Shares Outstanding (Mil)5.43
» More Articles for UBCP

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: Twitter Inc, United Bancorp Inc, Park Sterling Corp. May 10 2015 
6 Dividend Stocks Giving Shareholders a Raise Nov 18 2013 
Ex-Dividend Date Reminder for March 1, 2012 Feb 29 2012 
United Bancorp Inc. Reports Operating Results (10-Q) Nov 12 2010 
United Bancorp Inc. (UBCP) CEO James W Everson buys 1,025 Shares Aug 26 2010 
United Bancorp Inc. Reports Operating Results (10-Q) Aug 10 2010 
United Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
United Bancorp Inc. (UBCP) CEO James W Everson buys 2,671 Shares Feb 23 2010 
United Bancorp Inc. (ubcp) Chairman, President and Ceo James W Everson buys 4,361 Shares Dec 21 2009 
United Bancorp Inc. Reports Operating Results (10-Q) Nov 13 2009 

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