UBCP · United Bancorp, Inc.
What's happening
- UBCP is up 1.30% today, trading at $13.65. — Live quote
- Volume today (466) is well below its 3-month average of 7,390. (Finnhub fundamentals)
- Reports earnings on 2026-11-05, 14 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-09-01 (7 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 |
|---|---|---|---|---|---|
| Market cap | $93.8M | $92.8M | $77.8M | $72.4M | $84.2M |
| P/E | 11.77 | 11.91 | 10.03 | 9.56 | 11.29 |
| Price/Book | 1.30 | 1.37 | 1.10 | 1.09 | 1.41 |
| ROE | 11.06% | 11.54% | 10.99% | 11.38% | 12.50% |
| ROA | 0.91% | 0.91% | 0.90% | 0.87% | 0.88% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 32.3% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is 29.6%. Finnhub fundamentals ↗
Potential concerns
- Trailing 52-week price return is -25.6%. Finnhub market metrics ↗
- Latest SEC filing is Form 8-K, filed 2026-08-20; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on UBCP
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Net income | $2.1M | $1.9M | $2.0M | $1.9M | $1.9M | $1.9M | $1.8M | $1.8M |
| EPS (diluted) | $0.36 | $0.33 | $0.35 | $0.34 | $0.33 | $0.32 | $0.31 | $0.31 |
| EPS (basic) | $0.36 | $0.33 | $0.35 | $0.34 | $0.33 | $0.32 | $0.31 | $0.31 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $878.0M | $858.5M | $857.4M | $866.8M | $847.9M | $830.7M | $816.7M | $825.5M |
| Total liabilities | $805.9M | $791.0M | $786.9M | $800.3M | $788.2M | $769.9M | $753.2M | $760.0M |
| Stockholders' equity | $72.1M | $67.5M | $70.5M | $66.5M | $59.7M | $60.8M | $63.5M | $65.5M |
| Cash & equivalents | — | — | $46.5M | $45.7M | $49.7M | $36.4M | $19.6M | $37.8M |
| Property, plant & equipment | $36.5M | $35.7M | $34.1M | $30.2M | $27.0M | $25.0M | $23.6M | $24.5M |
| Goodwill | $682.0K | $682.0K | $682.0K | $682.0K | $682.0K | $682.0K | $682.0K | $682.0K |
| Intangible assets | — | — | — | — | — | — | — | — |
| Short-term debt | — | — | — | — | — | — | — | — |
| Common stock & paid-in capital | $6.3M | $6.3M | $6.2M | $6.2M | $6.2M | $6.2M | $6.2M | $6.2M |
| Retained earnings | $49.2M | $48.3M | $48.6M | $47.7M | $46.9M | $46.0M | $46.3M | $45.5M |
| Accumulated other comprehensive income (loss) | -$3.9M | -$7.8M | -$5.4M | -$8.6M | -$14.5M | -$12.5M | -$10.1M | -$7.2M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.0M | $266.0K | $2.4M | $3.2M | $3.8M | $1.1M | $1.2M | $4.4M |
| Investing cash flow | $5.1M | -$28.5M | $19.7M | -$18.3M | -$6.2M | $275.0K | -$10.3M | -$1.5M |
| Financing cash flow | $12.6M | $8.9M | -$21.3M | $11.1M | $15.7M | $15.5M | -$9.1M | -$2.7M |
| Free cash flow | -$140.0K | -$1.8M | -$1.8M | -$367.0K | $1.5M | -$594.0K | $1.7M | -$1.7M |
| Capital expenditures | $1.2M | $2.0M | $4.3M | $3.5M | $2.3M | $1.7M | -$515.0K | $6.1M |
| Share-based compensation | $99.0K | $100.0K | $92.0K | $88.0K | $88.0K | $89.0K | $163.0K | $41.0K |
| Deferred income taxes | — | — | -$633.0K | — | — | — | -$904.0K | — |
| Purchases of investments | $0 | $11.2M | $15.3M | $20.6M | — | — | $1.2M | $10.0M |
| Sales/maturities of investments | $0 | — | $40.8M | $1.0K | $0 | $7.7M | $0 | $0 |
| Dividends paid | $1.2M | $2.2M | $1.1M | $1.1M | $1.1M | $2.1M | $1.1M | $1.1M |
| Share repurchases | $342.0K | $374.0K | $188.0K | $0 | $80.0K | $49.0K | $0 | $16.0K |
| Debt repaid | — | — | — | — | — | — | — | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Net income | $7.8M | $7.4M | $8.9M | $8.7M | $9.5M |
| EPS (diluted) | $1.34 | $1.27 | $1.57 | $1.50 | $1.62 |
| EPS (basic) | $1.34 | $1.27 | $1.57 | $1.50 | $1.62 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $857.4M | $816.7M | $819.4M | $757.4M | $724.5M |
| Total liabilities | $786.9M | $753.2M | $755.9M | $697.7M | $652.8M |
| Stockholders' equity | $70.5M | $63.5M | $63.6M | $59.7M | $71.7M |
| Cash & equivalents | $46.5M | $19.6M | $40.8M | $30.1M | $83.0M |
| Property, plant & equipment | $34.1M | $23.6M | $15.0M | $12.1M | $12.8M |
| Goodwill | $682.0K | $682.0K | $682.0K | $682.0K | $682.0K |
| Intangible assets | — | — | — | — | — |
| Short-term debt | — | — | — | — | — |
| Common stock & paid-in capital | $6.2M | $6.2M | $6.1M | $6.0M | $6.1M |
| Retained earnings | $48.6M | $46.3M | $44.0M | $41.9M | $37.8M |
| Accumulated other comprehensive income (loss) | -$5.4M | -$10.1M | -$7.5M | -$9.3M | $7.0M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $10.5M | $8.4M | $9.5M | $8.5M | $8.2M |
| Investing cash flow | -$4.5M | -$19.5M | -$48.5M | -$103.3M | -$1.2M |
| Financing cash flow | $21.0M | -$10.1M | $49.7M | $41.9M | $24.4M |
| Free cash flow | -$1.3M | -$1.2M | $8.4M | $8.0M | $7.4M |
| Capital expenditures | $11.8M | $9.7M | $1.1M | $511.0K | $777.0K |
| Share-based compensation | $357.0K | $884.0K | $658.0K | $1.0M | $414.0K |
| Deferred income taxes | -$633.0K | -$904.0K | $13.0K | $342.0K | $112.0K |
| Purchases of investments | $35.9M | $46.1M | $25.9M | $100.0M | $24.4M |
| Sales/maturities of investments | $48.5M | $27.4M | $0 | $0 | $12.7M |
| Dividends paid | $5.5M | $5.1M | $4.8M | $4.6M | $4.1M |
| Share repurchases | $317.0K | $687.0K | $733.0K | $767.0K | $72.0K |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding UBCP as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2024-03-14 to 2026-05-28
Recent transactions
- Insiders have net bought 11,403 shares over the last 182 days, across 8 purchases and 0 sales.
- Most recent: Schunn Bethany E (Director) — Open market purchase of 1,175 shares on 2026-05-28.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Schunn Bethany E | Director | Open market purchase | 2026-05-28 | 1,175 |
| GREENWOOD RANDALL M | SR VP CFO and Treasurer | Open market purchase | 2026-05-27 | 1,034 |
| Ball Erin S | Director | Open market purchase | 2026-05-27 | 632 |
| Clark Jonathan CHASE | Director | Open market purchase | 2026-05-27 | 1,511 |
| HOOPINGARNER JOHN M | Director | Open market purchase | 2026-05-27 | 931 |
| Branstetter Matthew Fredrick | Chief Operating Officer | Open market purchase | 2026-05-27 | 380 |
| EVERSON SCOTT A | Chairman Pres and CEO | Open market purchase | 2026-05-27 | 2,213 |
| Glessner Gary W | Director | Open market purchase | 2026-05-27 | 3,527 |
| Hendershot Brian M | Director | Open market purchase | 2025-05-22 | 2,207 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-05-28 | Schunn Bethany E | Director | Open market purchase | 1,175 | $14.93 |
| 2026-05-27 | GREENWOOD RANDALL M | SR VP CFO and Treasurer | Open market purchase | 1,034 | $14.93 |
| 2026-05-27 | Ball Erin S | Director | Open market purchase | 632 | $14.93 |
| 2026-05-27 | Clark Jonathan CHASE | Director | Open market purchase | 1,511 | $14.93 |
| 2026-05-27 | HOOPINGARNER JOHN M | Director | Open market purchase | 931 | $14.93 |
| 2026-05-27 | Branstetter Matthew Fredrick | Chief Operating Officer | Open market purchase | 380 | $14.93 |
| 2026-05-27 | EVERSON SCOTT A | Chairman Pres and CEO | Open market purchase | 2,213 | $14.93 |
| 2026-05-27 | Glessner Gary W | Director | Open market purchase | 3,527 | $14.93 |
| 2025-05-22 | Branstetter Matthew Fredrick | SVP COO | Open market purchase | 339 | $13.62 |
| 2025-05-22 | HOOPINGARNER JOHN M | Director | Open market purchase | 927 | $13.62 |
| 2025-05-22 | EVERSON SCOTT A | Chairman, President and CEO | Open market purchase | 2,197 | $13.62 |
| 2025-05-22 | Hendershot Brian M | Director | Open market purchase | 2,207 | $13.62 |
| 2025-05-22 | Glessner Gary W | Director | Open market purchase | 3,497 | $13.62 |
| 2025-05-22 | GREENWOOD RANDALL M | SVP CFO | Open market purchase | 1,006 | $13.62 |
| 2025-05-22 | Schunn Bethany E | Director | Open market purchase | 836 | $13.62 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 07:48 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-08-20 | 8-K | 2026-08-19 | View on SEC.gov → |
| 2026-08-12 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-07-24 | 8-K | 2026-07-23 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-28 | 4 | 2026-05-27 | View on SEC.gov → |
| 2026-05-14 | 10-Q | 2026-03-31 | View on SEC.gov → |
Recent news
Headlines about UBCP (United Bancorp, Inc.). Links open the publisher — we don’t host full articles.
-
Understanding Momentum Shifts in (UBCP)
Stock Traders Daily · 2026-10-19 -
United Bancorp crossed below 200-day line: Weiss cut United Bancorp stock rating
AD HOC NEWS · 2026-10-16 -
The Zacks Analyst Blog Highlights Microsoft, Intel, Bank of America, AMREP and United Bancorp
Yahoo Finance · 2026-09-01 -
Top Analyst Reports for Microsoft, Intel & Bank of America
Yahoo Finance · 2026-08-31 -
UBCP Upgraded to Outperform on Deposit Growth, Strong Margins
Yahoo Finance · 2026-08-31 -
United Bancorp raises quarterly dividend by 1.3% to $0.1975 dividend
Seeking Alpha · 2026-08-20 -
United Bancorp, Inc. Increases its Third Quarter Cash Dividend Payment to $0.1975 per Share, Which Produces a Forward Yield of 5.0%
Yahoo Finance · 2026-08-20 -
UBCP's Q2 Earnings Rise Y/Y on Margin Expansion, Deposit Growth
Yahoo Finance · 2026-07-29
No headlines in this category right now — try “All”.