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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 0.84
UBCP's Cash-to-Debt is ranked lower than
84% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. UBCP: 0.84 )
Ranked among companies with meaningful Cash-to-Debt only.
UBCP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.65 Max: 63.5
Current: 0.84
0.16
63.5
Equity-to-Asset 0.10
UBCP's Equity-to-Asset is ranked lower than
52% of the 1591 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 2.95
UBCP's Interest Coverage is ranked higher than
65% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. UBCP: 2.95 )
Ranked among companies with meaningful Interest Coverage only.
UBCP' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.8 Max: 2.95
Current: 2.95
0.2
2.95
Beneish M-Score: -2.34
WACC vs ROIC
2.72%
5.14%
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 : 4/10

vs
industry
vs
history
Operating Margin % 27.63
UBCP's Operating Margin % is ranked lower than
60% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. UBCP: 27.63 )
Ranked among companies with meaningful Operating Margin % only.
UBCP' s Operating Margin % Range Over the Past 10 Years
Min: 14.95  Med: 19.78 Max: 27.84
Current: 27.63
14.95
27.84
Net Margin % 19.20
UBCP's Net Margin % is ranked lower than
62% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. UBCP: 19.20 )
Ranked among companies with meaningful Net Margin % only.
UBCP' s Net Margin % Range Over the Past 10 Years
Min: 13.67  Med: 15.94 Max: 20.29
Current: 19.2
13.67
20.29
ROE % 8.36
UBCP's ROE % is ranked lower than
51% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. UBCP: 8.36 )
Ranked among companies with meaningful ROE % only.
UBCP' s ROE % Range Over the Past 10 Years
Min: 6.55  Med: 7.75 Max: 11.09
Current: 8.36
6.55
11.09
ROA % 0.84
UBCP's ROA % is ranked lower than
54% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBCP: 0.84 )
Ranked among companies with meaningful ROA % only.
UBCP' s ROA % Range Over the Past 10 Years
Min: 0.56  Med: 0.66 Max: 0.85
Current: 0.84
0.56
0.85
3-Year Revenue Growth Rate -0.40
UBCP's 3-Year Revenue Growth Rate is ranked lower than
72% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. UBCP: -0.40 )
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: 3.05 Max: 19.1
Current: -0.4
-3.4
19.1
3-Year EBITDA Growth Rate 12.40
UBCP's 3-Year EBITDA Growth Rate is ranked higher than
67% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. UBCP: 12.40 )
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: 1.65 Max: 14.9
Current: 12.4
-19.1
14.9
3-Year EPS without NRI Growth Rate 10.20
UBCP's 3-Year EPS without NRI Growth Rate is ranked higher than
59% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UBCP: 10.20 )
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: 1.95 Max: 16.5
Current: 10.2
-16.6
16.5
GuruFocus has detected 1 Warning Sign with United Bancorp Inc $UBCP.
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» UBCP's 30-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


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
Compare:NAS:FUSB, NAS:BOTJ, NAS:PBIB, OTCPK:AFCB, NAS:WEBK, NAS:WBKC, OTCPK:CBCO, OTCBB:FETM, OTCPK:JFBC, OTCPK:BVBC, NAS:FBSS, NAS:PNBK, OTCPK:CNAF, OTCPK:FXNC, NAS:EMCF, NAS:HMTA, OTCPK:HLND, OTCPK:MNSB, NAS:UBOH, NAS:PFBX » details
Headquarter Location:USA
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 16.62
UBCP's PE Ratio is ranked lower than
63% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. UBCP: 16.62 )
Ranked among companies with meaningful PE Ratio only.
UBCP' s PE Ratio Range Over the Past 10 Years
Min: 9.49  Med: 14.9 Max: 24.67
Current: 16.62
9.49
24.67
PE Ratio without NRI 16.62
UBCP's PE Ratio without NRI is ranked lower than
63% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. UBCP: 16.62 )
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: 14.9 Max: 24.89
Current: 16.62
9.49
24.89
Price-to-Owner-Earnings 24.93
UBCP's Price-to-Owner-Earnings is ranked lower than
85% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. UBCP: 24.93 )
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: 14.7 Max: 247.5
Current: 24.93
6.19
247.5
PB Ratio 1.47
UBCP's PB Ratio is ranked lower than
68% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UBCP: 1.47 )
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: 1.47
0.89
1.78
PS Ratio 3.19
UBCP's PS Ratio is ranked higher than
51% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. UBCP: 3.19 )
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: 3.19
1.67
7.14
Price-to-Free-Cash-Flow 26.71
UBCP's Price-to-Free-Cash-Flow is ranked lower than
90% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. UBCP: 26.71 )
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: 10.39 Max: 48.29
Current: 26.71
5.41
48.29
Price-to-Operating-Cash-Flow 14.25
UBCP's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. UBCP: 14.25 )
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: 4.93  Med: 8.38 Max: 27.43
Current: 14.25
4.93
27.43
EV-to-EBIT 13.00
UBCP's EV-to-EBIT is ranked lower than
70% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. UBCP: 13.00 )
Ranked among companies with meaningful EV-to-EBIT only.
UBCP' s EV-to-EBIT Range Over the Past 10 Years
Min: -6.6  Med: 17.2 Max: 71.3
Current: 13
-6.6
71.3
EV-to-EBITDA 11.15
UBCP's EV-to-EBITDA is ranked lower than
67% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. UBCP: 11.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBCP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.9  Med: 13.5 Max: 49.9
Current: 11.15
-4.9
49.9
PEG Ratio 3.57
UBCP's PEG Ratio is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. UBCP: 3.57 )
Ranked among companies with meaningful PEG Ratio only.
UBCP' s PEG Ratio Range Over the Past 10 Years
Min: 0.92  Med: 3.13 Max: 46.42
Current: 3.57
0.92
46.42
Shiller PE Ratio 18.06
UBCP's Shiller PE Ratio is ranked higher than
58% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. UBCP: 18.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBCP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.4  Med: 12.49 Max: 20.45
Current: 18.06
8.4
20.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.07
UBCP's Dividend Yield % is ranked higher than
71% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. UBCP: 4.07 )
Ranked among companies with meaningful Dividend Yield % only.
UBCP' s Dividend Yield % Range Over the Past 10 Years
Min: 3.22  Med: 4.88 Max: 8.1
Current: 4.07
3.22
8.1
Dividend Payout Ratio 0.68
UBCP's Dividend Payout Ratio is ranked lower than
86% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UBCP: 0.68 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UBCP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.55  Med: 0.77 Max: 1.08
Current: 0.68
0.55
1.08
3-Year Dividend Growth Rate 17.50
UBCP's 3-Year Dividend Growth Rate is ranked higher than
74% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBCP: 17.50 )
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: 0  Med: 7.05 Max: 21.4
Current: 17.5
0
21.4
Forward Dividend Yield % 3.73
UBCP's Forward Dividend Yield % is ranked higher than
62% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. UBCP: 3.73 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.46
UBCP's 5-Year Yield-on-Cost % is ranked higher than
50% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. UBCP: 3.46 )
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: 2.74  Med: 4.15 Max: 6.88
Current: 3.46
2.74
6.88
3-Year Average Share Buyback Ratio 0.90
UBCP's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. UBCP: 0.90 )
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: -0.25 Max: 1.6
Current: 0.9
-5.7
1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.48
UBCP's Price-to-Tangible-Book is ranked lower than
61% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UBCP: 1.48 )
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: 1.45 Max: 4.03
Current: 1.48
0.93
4.03
Price-to-Intrinsic-Value-Projected-FCF 0.83
UBCP's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
59% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. UBCP: 0.83 )
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: 0.73 Max: 1.22
Current: 0.83
0.46
1.22
Price-to-Median-PS-Value 1.41
UBCP's Price-to-Median-PS-Value is ranked lower than
78% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. UBCP: 1.41 )
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: 1.27 Max: 2.92
Current: 1.41
0.77
2.92
Price-to-Peter-Lynch-Fair-Value 2.19
UBCP's Price-to-Peter-Lynch-Fair-Value is ranked lower than
88% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBCP: 2.19 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UBCP' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.95  Med: 1.92 Max: 3.2
Current: 2.19
0.95
3.2
Price-to-Graham-Number 1.05
UBCP's Price-to-Graham-Number is ranked lower than
60% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. UBCP: 1.05 )
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: 0.96 Max: 2.15
Current: 1.05
0.64
2.15
Earnings Yield (Greenblatt) % 7.69
UBCP's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. UBCP: 7.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBCP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.4  Med: 5.7 Max: 131.2
Current: 7.69
1.4
131.2
Forward Rate of Return (Yacktman) % 13.62
UBCP's Forward Rate of Return (Yacktman) % is ranked higher than
54% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. UBCP: 13.62 )
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: 10.6 Max: 23.7
Current: 13.62
-12.6
23.7

More Statistics

Revenue (TTM) (Mil) $18.68
EPS (TTM) $ 0.71
Beta0.02
Short Percentage of Float0.05%
52-Week Range $9.50 - 15.25
Shares Outstanding (Mil)5.43
» More Articles for UBCP

Headlines

Articles On GuruFocus.com
United Bancorp, Inc. Reports Diluted Earnings per Share of $0.17 and a TTM Cash Dividend Yield of 3. Apr 27 2017 
United Bancorp, Inc. Declares its Second Quarter Regular Cash Dividend Payment at $0.11 per Share wh Apr 20 2017 
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 

More From Other Websites
United Bancorp, Inc. (Ohio) :UBCP-US: Earnings Analysis: Q1, 2017 By the Numbers : May 18, 2017 May 18 2017
United Bancorp, Inc. Reports Diluted Earnings per Share of $0.17 and a TTM Cash Dividend Yield of... Apr 27 2017
United Bancorp, Inc. Declares its Second Quarter Regular Cash Dividend Payment at $0.11 per Share... Apr 20 2017
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United Bancorp, Inc. (Ohio) :UBCP-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
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