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7.05 (1y: -23%)
Market Cap 37.97 M P/E(ttm) 16.60
Enterprise Value 89.46 M P/B 1.03
UBCP- NAS (USA)
United Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$7.05
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GuruFocus Financial Strength Rank measures how strong a companyย’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 5.116
UBCP's Cash to Debt is ranked higher than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. UBCP: 5.116 )
UBCP' s 10-Year Cash to Debt Range
Min: 0.16   Max: 5.12
Current: 5.12
0.16
5.12
Equity to Asset 0.083
UBCP's Equity to Asset is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBCP: 0.083 )
UBCP' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.09
Current: 0.08
0.08
0.09
Interest Coverage No Debt
UBCP's Interest Coverage is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. UBCP: No Debt )
UBCP' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.29
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 16.80
UBCP's Operating margin (%) is ranked lower than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. UBCP: 16.80 )
UBCP' s 10-Year Operating margin (%) Range
Min: 14.9   Max: 32.1
Current: 16.8
14.9
32.1
Net-margin (%) 13.7
UBCP's Net-margin (%) is ranked lower than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. UBCP: 13.7 )
UBCP' s 10-Year Net-margin (%) Range
Min: 13.7   Max: 24.4
Current: 13.7
13.7
24.4
ROE (%) 6.5
UBCP's ROE (%) is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UBCP: 6.5 )
UBCP' s 10-Year ROE (%) Range
Min: 6.3   Max: 12.6
Current: 6.5
6.3
12.6
ROA (%) 0.5
UBCP's ROA (%) is ranked lower than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBCP: 0.5 )
UBCP' s 10-Year ROA (%) Range
Min: 0.5   Max: 1.1
Current: 0.5
0.5
1.1
Revenue Growth (%) -2.5
UBCP's Revenue Growth (%) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UBCP: -2.5 )
UBCP' s 10-Year Revenue Growth (%) Range
Min: -2.5   Max: 6.1
Current: -2.5
-2.5
6.1
EBITDA Growth (%) -3
UBCP's EBITDA Growth (%) is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. UBCP: -3 )
UBCP' s 10-Year EBITDA Growth (%) Range
Min: -14.7   Max: 10.9
Current: -3
-14.7
10.9
EPS Growth (%) -6.6
UBCP's EPS Growth (%) is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. UBCP: -6.6 )
UBCP' s 10-Year EPS Growth (%) Range
Min: -12.7   Max: 10.1
Current: -6.6
-12.7
10.1
ยป 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) 16.60
UBCP's P/E(ttm) is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. UBCP: 16.60 )
UBCP' s 10-Year P/E(ttm) Range
Min: 8.94   Max: 24.35
Current: 16.6
8.94
24.35
P/B 1.03
UBCP's P/B is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBCP: 1.03 )
UBCP' s 10-Year P/B Range
Min: 0.8   Max: 2.02
Current: 1.03
0.8
2.02
P/S 1.97
UBCP's P/S is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UBCP: 1.97 )
UBCP' s 10-Year P/S Range
Min: 1.66   Max: 4.27
Current: 1.97
1.66
4.27
PFCF 10.52
UBCP's PFCF is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBCP: 10.52 )
UBCP' s 10-Year PFCF Range
Min: 3.39   Max: 49.5
Current: 10.52
3.39
49.5
EV-to-EBIT 34.22
UBCP's EV-to-EBIT is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. UBCP: 34.22 )
UBCP' s 10-Year EV-to-EBIT Range
Min: 4.9   Max: 33.6
Current: 34.22
4.9
33.6
PEG 24.2
UBCP's PEG is ranked lower than
84% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. UBCP: 24.2 )
UBCP' s 10-Year PEG Range
Min: 1.27   Max: 75.61
Current: 24.2
1.27
75.61
Shiller P/E 10.95
UBCP's Shiller P/E is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. UBCP: 10.95 )
UBCP' s 10-Year Shiller P/E Range
Min: 9.03   Max: 19.87
Current: 10.95
9.03
19.87

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 4.96
UBCP's Dividend Yield is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UBCP: 4.96 )
UBCP' s 10-Year Dividend Yield Range
Min: 2.66   Max: 8.1
Current: 4.96
2.66
8.1
Dividend Payout 1.1
UBCP's Dividend Payout is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. UBCP: 1.1 )
UBCP' s 10-Year Dividend Payout Range
Min: 0.47   Max: 1.05
Current: 1.1
0.47
1.05
Dividend growth (3y) -6.9
UBCP's Dividend growth (3y) is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. UBCP: -6.9 )
UBCP' s 10-Year Dividend growth (3y) Range
Min: -6.9   Max: 6.8
Current: -6.9
-6.9
6.8
Yield on cost (5-Year) 3.81
UBCP's Yield on cost (5-Year) is ranked higher than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. UBCP: 3.81 )
UBCP' s 10-Year Yield on cost (5-Year) Range
Min: 2.07   Max: 6.3
Current: 3.81
2.07
6.3
Share Buyback Rate -1.1
UBCP's Share Buyback Rate is ranked higher than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. UBCP: -1.1 )
UBCP' s 10-Year Share Buyback Rate Range
Min: 1.5   Max: -1.1
Current: -1.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
UBCP's Price/Tangible Book is ranked higher than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBCP: 1 )
UBCP' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 2
Current: 1
0.8
2
Price/DCF (Projected) 0.5
UBCP's Price/DCF (Projected) is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. UBCP: 0.5 )
UBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1
Current: 0.5
0.4
1
Price/Median PS Value 0.7
UBCP's Price/Median PS Value is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBCP: 0.7 )
UBCP' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.5
Current: 0.7
0.6
1.5
Price/Graham Number 0.9
UBCP's Price/Graham Number is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBCP: 0.9 )
UBCP' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.2
Current: 0.9
0.7
1.2
Earnings Yield (Greenblatt) 2.90
UBCP's Earnings Yield (Greenblatt) is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UBCP: 2.90 )
UBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 20.6
Current: 2.9
3
20.6
Forward Rate of Return (Yacktman) 4.89
UBCP's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. UBCP: 4.89 )
UBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.5   Max: 19.4
Current: 4.89
-3.5
19.4

Business Description

United Bancorp, Inc. is a holding company for the Citizens Savings Bank. The Bank 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. The Citizens Savings 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. The Bank 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 provides a range of banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. 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. The Company subject to inspection, examination and supervision by the Board of Governors of the Federal Reserve System pursuant to the Bank Holding Company Act of 1956, as amended.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for UBCP

Headlines

Articles On GuruFocus.com
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 
United Bancorp Inc. Reports Operating Results (10-Q) Aug 13 2009 

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