Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.91
UBCP's Cash to Debt is ranked lower than
58% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. UBCP: 0.91 )
Ranked among companies with meaningful Cash to Debt only.
UBCP' s 10-Year Cash to Debt Range
Min: 0.16  Med: 0.54 Max: 35
Current: 0.91
0.16
35
Equity to Asset 0.10
UBCP's Equity to Asset is ranked lower than
52% of the 1337 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 1.45
UBCP's Interest Coverage is ranked lower than
53% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. UBCP: 1.45 )
Ranked among companies with meaningful Interest Coverage only.
UBCP' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.44 Max: 1.45
Current: 1.45
0.18
1.45
F-Score: 6
WACC vs ROIC
3.80%
6.82%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 22.47
UBCP's Operating margin (%) is ranked lower than
68% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. UBCP: 22.47 )
Ranked among companies with meaningful Operating margin (%) only.
UBCP' s 10-Year Operating margin (%) Range
Min: 14.95  Med: 26.05 Max: 34.48
Current: 22.47
14.95
34.48
Net-margin (%) 16.33
UBCP's Net-margin (%) is ranked lower than
68% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. UBCP: 16.33 )
Ranked among companies with meaningful Net-margin (%) only.
UBCP' s 10-Year Net-margin (%) Range
Min: 13.67  Med: 20.08 Max: 25.29
Current: 16.33
13.67
25.29
ROE (%) 7.18
UBCP's ROE (%) is ranked lower than
58% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. UBCP: 7.18 )
Ranked among companies with meaningful ROE (%) only.
UBCP' s 10-Year ROE (%) Range
Min: 6.36  Med: 9.59 Max: 13.51
Current: 7.18
6.36
13.51
ROA (%) 0.71
UBCP's ROA (%) is ranked lower than
59% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UBCP: 0.71 )
Ranked among companies with meaningful ROA (%) only.
UBCP' s 10-Year ROA (%) Range
Min: 0.5  Med: 0.83 Max: 1.32
Current: 0.71
0.5
1.32
Revenue Growth (3Y)(%) -3.30
UBCP's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. UBCP: -3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBCP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.00 Max: 8.4
Current: -3.3
0
8.4
EBITDA Growth (3Y)(%) -3.60
UBCP's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UBCP: -3.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBCP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -2.80 Max: 14.8
Current: -3.6
0
14.8
EPS Growth (3Y)(%) -5.50
UBCP's EPS Growth (3Y)(%) is ranked lower than
78% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. UBCP: -5.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBCP' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.8  Med: 0.00 Max: 13.7
Current: -5.5
-16.8
13.7
» UBCP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with UBCP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.52
UBCP's P/E(ttm) is ranked lower than
53% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. UBCP: 14.52 )
Ranked among companies with meaningful P/E(ttm) only.
UBCP' s 10-Year P/E(ttm) Range
Min: 9.48  Med: 14.91 Max: 24.62
Current: 14.52
9.48
24.62
Forward P/E 13.59
UBCP's Forward P/E is ranked lower than
65% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. UBCP: 13.59 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.10
UBCP's PE(NRI) is ranked lower than
51% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. UBCP: 14.10 )
Ranked among companies with meaningful PE(NRI) only.
UBCP' s 10-Year PE(NRI) Range
Min: 9.49  Med: 14.70 Max: 24.89
Current: 14.1
9.49
24.89
P/B 1.11
UBCP's P/B is ranked lower than
52% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBCP: 1.11 )
Ranked among companies with meaningful P/B only.
UBCP' s 10-Year P/B Range
Min: 0.89  Med: 1.29 Max: 1.94
Current: 1.11
0.89
1.94
P/S 2.36
UBCP's P/S is ranked higher than
64% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. UBCP: 2.36 )
Ranked among companies with meaningful P/S only.
UBCP' s 10-Year P/S Range
Min: 1.66  Med: 2.25 Max: 7.27
Current: 2.36
1.66
7.27
PFCF 11.33
UBCP's PFCF is ranked higher than
50% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. UBCP: 11.33 )
Ranked among companies with meaningful PFCF only.
UBCP' s 10-Year PFCF Range
Min: 5.69  Med: 9.91 Max: 49.5
Current: 11.33
5.69
49.5
POCF 9.03
UBCP's POCF is ranked higher than
53% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. UBCP: 9.03 )
Ranked among companies with meaningful POCF only.
UBCP' s 10-Year POCF Range
Min: 4.93  Med: 8.23 Max: 27.5
Current: 9.03
4.93
27.5
EV-to-EBIT 12.42
UBCP's EV-to-EBIT is ranked higher than
58% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. UBCP: 12.42 )
Ranked among companies with meaningful EV-to-EBIT only.
UBCP' s 10-Year EV-to-EBIT Range
Min: -6.6  Med: 18.30 Max: 77.1
Current: 12.42
-6.6
77.1
Shiller P/E 14.47
UBCP's Shiller P/E is ranked higher than
62% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. UBCP: 14.47 )
Ranked among companies with meaningful Shiller P/E only.
UBCP' s 10-Year Shiller P/E Range
Min: 9.17  Med: 13.47 Max: 19.85
Current: 14.47
9.17
19.85
Days Sales Outstanding 16.33
UBCP's Days Sales Outstanding is ranked higher than
84% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. UBCP: 16.33 )
Ranked among companies with meaningful Days Sales Outstanding only.
UBCP' s 10-Year Days Sales Outstanding Range
Min: 17.18  Med: 58.65 Max: 79.71
Current: 16.33
17.18
79.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.17
UBCP's Dividend Yield is ranked higher than
76% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. UBCP: 4.17 )
Ranked among companies with meaningful Dividend Yield only.
UBCP' s 10-Year Dividend Yield Range
Min: 2.82  Med: 4.87 Max: 8.1
Current: 4.17
2.82
8.1
Dividend Payout 0.59
UBCP's Dividend Payout is ranked lower than
82% 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 only.
UBCP' s 10-Year Dividend Payout Range
Min: 0.28  Med: 0.59 Max: 1.84
Current: 0.59
0.28
1.84
Dividend growth (3y) -16.20
UBCP's Dividend growth (3y) is ranked lower than
84% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBCP: -16.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
UBCP' s 10-Year Dividend growth (3y) Range
Min: -19.7  Med: 7.00 Max: 13.2
Current: -16.2
-19.7
13.2
Yield on cost (5-Year) 2.07
UBCP's Yield on cost (5-Year) is ranked lower than
67% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. UBCP: 2.07 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBCP' s 10-Year Yield on cost (5-Year) Range
Min: 1.4  Med: 2.41 Max: 4.01
Current: 2.07
1.4
4.01
Share Buyback Rate -0.90
UBCP's Share Buyback Rate is ranked higher than
59% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UBCP: -0.90 )
Ranked among companies with meaningful Share Buyback Rate only.
UBCP' s 10-Year Share Buyback Rate Range
Min: 2  Med: 0.20 Max: -7.4
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
UBCP's Price/Tangible Book is ranked higher than
54% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. UBCP: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
UBCP' s 10-Year Price/Tangible Book Range
Min: 0.93  Med: 1.47 Max: 4.03
Current: 1.11
0.93
4.03
Price/Projected FCF 0.57
UBCP's Price/Projected FCF is ranked higher than
62% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. UBCP: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
UBCP' s 10-Year Price/Projected FCF Range
Min: 0.46  Med: 0.76 Max: 1.17
Current: 0.57
0.46
1.17
Price/Median PS Value 1.05
UBCP's Price/Median PS Value is ranked higher than
56% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. UBCP: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
UBCP' s 10-Year Price/Median PS Value Range
Min: 0.77  Med: 1.33 Max: 2.94
Current: 1.05
0.77
2.94
Price/Graham Number 0.88
UBCP's Price/Graham Number is ranked lower than
53% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. UBCP: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
UBCP' s 10-Year Price/Graham Number Range
Min: 0.71  Med: 0.99 Max: 2.57
Current: 0.88
0.71
2.57
Earnings Yield (Greenblatt) (%) 8.04
UBCP's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UBCP: 8.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBCP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 5.40 Max: 131.2
Current: 8.04
1.3
131.2
Forward Rate of Return (Yacktman) (%) 11.98
UBCP's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. UBCP: 11.98 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UBCP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -17.2  Med: 9.50 Max: 30.6
Current: 11.98
-17.2
30.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 Bank 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.
» 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 

More From Other Websites
UNITED BANCORP INC /OH/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 27 2015
United Bancorp, Inc. Reports a 25% Increase in Diluted Earnings per Share for the Six Months Ended... Jul 24 2015
United Bancorp, Inc. Reports a 25% Increase in Diluted Earnings per Share for the Six Months Ended... Jul 24 2015
UNITED BANCORP INC /OH/ Financials May 27 2015
UNITED BANCORP INC /OH/ Files SEC form 10-Q, Quarterly Report May 15 2015
UNITED BANCORP INC /OH/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 27 2015
United Bancorp, Inc. Reports a 40% Increase in Quarterly Diluted Earnings per Share and an... Apr 24 2015
UNITED BANCORP INC /OH/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 17 2015
United Bancorp, Inc. Declares its Second Quarter Regular Cash Dividend Payment at $0.09 per Share... Apr 16 2015
UNITED BANCORP INC /OH/ Files SEC form 10-K, Annual Report Mar 16 2015
United Bancorp, Inc. Declares Quarterly Cash Dividend Payment With A Forward Yield of 4.5% Feb 19 2015
UNITED BANCORP INC /OH/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2015
United Bancorp, Inc. Reports 25% Increase in Quarterly Diluted Earnings per Share and Diluted... Jan 27 2015
UNITED BANCORP INC /OH/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 21 2014
United Bancorp, Inc. Increases Quarterly Cash Dividend Producing a Forward Yield of 4.45% Nov 20 2014
UNITED BANCORP INC /OH/ Files SEC form 10-Q, Quarterly Report Nov 14 2014
UNITED BANCORP INC /OH/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 27 2014
United Bancorp, Inc. Reports Quarterly Diluted Earnings per Share of $0.38 for the Nine Months Ended... Oct 24 2014
UNITED BANCORP INC /OH/ Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Aug 22 2014
United Bancorp, Inc. Declares its Third Quarter Regular Cash Dividend Payment at $0.08 per Share Aug 21 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK