UBCP (United Bancorp) Total Debt per Share: $14.16 (As of Mar. 2026)

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UBCP United Bancorp Inc UBCP
61 GF Score
Price $15.64
GF Value $13.24
Valuation Modestly Overvalued
! 5 Warning Signs
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What is United Bancorp Total Debt per Share?

United Bancorp UBCP +2.97% 61 Total Debt per Share is $14.16 as of Mar. 2026. GuruFocus rates UBCP with a GF Score™ of 61/100 and a GF Value™ of $13.24 (Modestly Overvalued). The stock has 5 warning signs investors should review.

$14.16 (As of Mar. 2026)

Total Debt per Share is calculated as total debt divided by Shares Outstanding (EOP). Total debt is calculated as Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. United Bancorp's Total Debt Per Share for the quarter that ended in Mar. 2026 was $14.16.

United Bancorp Total Debt per Share Historical Data

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The historical data trend for United Bancorp's Total Debt per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Bancorp Total Debt per Share Chart

United Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Debt per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.09 4.13 17.81 17.56 17.69

United Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Debt per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.63 17.64 17.69 14.16 0.00
UBCP
61GF Score
United Bancorp Inc UBCP
Total Debt per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bancorp Total Debt per Share Calculation

United Bancorp's Total Debt Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(101.87+0.00)/5.76
=17.69

United Bancorp's Total Debt Per Share for the quarter that ended in Mar. 2026 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(81.88+0.00)/5.78
=14.16

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Total Debt per Share →
What does a Total Debt per Share of $14.16 mean?
United Bancorp (UBCP) has a Total Debt per Share of $14.16 as of Mar. 2026. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on United Bancorp and its competitors.
Is United Bancorp's Total Debt per Share too high?
United Bancorp's current Total Debt per Share is $14.16. Overall, United Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp's Total Debt per Share compare to CBKM and NACB?
United Bancorp's Total Debt per Share of $14.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Debt per Share for a Banks company?
A good Total Debt per Share depends on the Banks industry context. However, Total Debt per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Debt per Share mean?
A high Total Debt per Share can signal that a stock is expensive relative to its fundamentals. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on United Bancorp and its competitors. United Bancorp's current Total Debt per Share is $14.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bancorp stock overvalued right now?
Based on GuruFocus' analysis, United Bancorp (UBCP) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.24, compared to a current price of $15.64 — trading 18.1% above its estimated fair value. The current Total Debt per Share is $14.16. United Bancorp's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Debt per Share calculated?
Total Debt per Share is calculated from a company's financial statements. For United Bancorp (UBCP), the current Total Debt per Share is $14.16 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Bancorp (UBCP) Overvalued in 2026?

Based on GuruFocus' analysis, United Bancorp stock appears to be overvalued. The current stock price of $15.64 is trading 18.1% above its estimated GF Value™ of $13.24. GuruFocus considers United Bancorp to be Modestly Overvalued.

Key valuation signals for UBCP:

  • Total Debt per Share: $14.16
  • GF Value™: $13.24 vs. price of $15.64 (18.1% above fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the UBCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

United Bancorp Business Description

Address 201 South 4th Street, Unified Bank Building, P.O. Box 10, Martins Ferry, OH, USA, 43935
United Bancorp Inc operates as a bank holding company that provides commercial and retail banking services. Through its subsidiary (Unified Bank), the company provides a broad range of banking and financial services, which include accepting demand, savings, and time deposits and granting commercial, real estate, and consumer loans. The Company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. The bank also operates in Marshall County, West Virginia.
61GF Score

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Total Debt per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.64
Price
$13.24
GF Value