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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.93
UBCP's Cash to Debt is ranked higher than
71% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. UBCP: 0.93 )
UBCP' s 10-Year Cash to Debt Range
Min: 0.16   Max: 35
Current: 0.93

0.16
35
Equity to Asset 0.10
UBCP's Equity to Asset is ranked higher than
71% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBCP: 0.10 )
UBCP' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.1

0.07
0.11
Interest Coverage 0.98
UBCP's Interest Coverage is ranked higher than
63% of the 1818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UBCP: 0.98 )
UBCP' s 10-Year Interest Coverage Range
Min: 0.18   Max: 0.98
Current: 0.98

0.18
0.98
F-Score: 5
Z-Score: 0.24
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 (%) 19.20
UBCP's Operating margin (%) is ranked higher than
61% of the 2001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. UBCP: 19.20 )
UBCP' s 10-Year Operating margin (%) Range
Min: 14.95   Max: 34.48
Current: 19.2

14.95
34.48
Net-margin (%) 14.18
UBCP's Net-margin (%) is ranked higher than
64% of the 2001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.30 vs. UBCP: 14.18 )
UBCP' s 10-Year Net-margin (%) Range
Min: 13.67   Max: 25.97
Current: 14.18

13.67
25.97
ROE (%) 6.45
UBCP's ROE (%) is ranked higher than
71% of the 2011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.53 vs. UBCP: 6.45 )
UBCP' s 10-Year ROE (%) Range
Min: 6.36   Max: 13.51
Current: 6.45

6.36
13.51
ROA (%) 0.63
UBCP's ROA (%) is ranked higher than
70% of the 2014 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. UBCP: 0.63 )
UBCP' s 10-Year ROA (%) Range
Min: 0.5   Max: 1.32
Current: 0.63

0.5
1.32
ROC (Joel Greenblatt) (%) 32.19
UBCP's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 1985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.14 vs. UBCP: 32.19 )
UBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.83   Max: 122.45
Current: 32.19

12.83
122.45
Revenue Growth (%) -1.60
UBCP's Revenue Growth (%) is ranked higher than
67% of the 1721 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBCP: -1.60 )
UBCP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 14.8
Current: -1.6

0
14.8
EBITDA Growth (%) 2.10
UBCP's EBITDA Growth (%) is ranked higher than
68% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBCP: 2.10 )
UBCP' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 14.8
Current: 2.1

0
14.8
» UBCP's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.20
UBCP's P/E(ttm) is ranked higher than
83% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.30 vs. UBCP: 16.20 )
UBCP' s 10-Year P/E(ttm) Range
Min: 9.48   Max: 23.03
Current: 16.2

9.48
23.03
P/B 1.09
UBCP's P/B is ranked higher than
80% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. UBCP: 1.09 )
UBCP' s 10-Year P/B Range
Min: 0.89   Max: 1.99
Current: 1.09

0.89
1.99
P/S 2.25
UBCP's P/S is ranked higher than
88% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. UBCP: 2.25 )
UBCP' s 10-Year P/S Range
Min: 1.66   Max: 6.82
Current: 2.25

1.66
6.82
PFCF 6.74
UBCP's PFCF is ranked higher than
95% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBCP: 6.74 )
UBCP' s 10-Year PFCF Range
Min: 5.69   Max: 49.5
Current: 6.74

5.69
49.5
EV-to-EBIT 13.66
UBCP's EV-to-EBIT is ranked higher than
79% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.68 vs. UBCP: 13.66 )
UBCP' s 10-Year EV-to-EBIT Range
Min: -6.6   Max: 71.3
Current: 13.66

-6.6
71.3
Shiller P/E 13.65
UBCP's Shiller P/E is ranked higher than
94% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBCP: 13.65 )
UBCP' s 10-Year Shiller P/E Range
Min: 9.17   Max: 20.46
Current: 13.65

9.17
20.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.93
UBCP's Dividend Yield is ranked higher than
82% of the 1869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. UBCP: 3.93 )
UBCP' s 10-Year Dividend Yield Range
Min: 2.66   Max: 8.1
Current: 3.93

2.66
8.1
Dividend Payout 0.63
UBCP's Dividend Payout is ranked higher than
65% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. UBCP: 0.63 )
UBCP' s 10-Year Dividend Payout Range
Min: 0.28   Max: 1.84
Current: 0.63

0.28
1.84
Dividend growth (3y) -19.70
UBCP's Dividend growth (3y) is ranked higher than
60% of the 1121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. UBCP: -19.70 )
UBCP' s 10-Year Dividend growth (3y) Range
Min: -19.7   Max: 21.3
Current: -19.7

-19.7
21.3
Yield on cost (5-Year) 1.80
UBCP's Yield on cost (5-Year) is ranked lower than
61% of the 1882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. UBCP: 1.80 )
UBCP' s 10-Year Yield on cost (5-Year) Range
Min: 1.19   Max: 3.64
Current: 1.8

1.19
3.64
Share Buyback Rate -1.10
UBCP's Share Buyback Rate is ranked higher than
76% of the 1457 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UBCP: -1.10 )
UBCP' s 10-Year Share Buyback Rate Range
Min: 2   Max: -7.4
Current: -1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
UBCP's Price/Tangible Book is ranked higher than
83% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. UBCP: 1.09 )
UBCP' s 10-Year Price/Tangible Book Range
Min: 0.93   Max: 4.03
Current: 1.09

0.93
4.03
Price/DCF (Projected) 0.55
UBCP's Price/DCF (Projected) is ranked higher than
91% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.43 vs. UBCP: 0.55 )
UBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.17
Current: 0.55

0.46
1.17
Price/Median PS Value 0.97
UBCP's Price/Median PS Value is ranked higher than
92% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. UBCP: 0.97 )
UBCP' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 2.83
Current: 0.97

0.74
2.83
Price/Graham Number 0.92
UBCP's Price/Graham Number is ranked higher than
85% of the 2618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UBCP: 0.92 )
UBCP' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 2.57
Current: 0.92

0.71
2.57
Earnings Yield (Greenblatt) 7.30
UBCP's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBCP: 7.30 )
UBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 131.2
Current: 7.3

1.4
131.2
Forward Rate of Return (Yacktman) 7.14
UBCP's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.81 vs. UBCP: 7.14 )
UBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.4   Max: 19.9
Current: 7.14

-9.4
19.9

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
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 
United Bancorp Inc. (UBCP) CEO James W Everson buys 1,743 Shares Nov 03 2009 

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