How to buy United Bancorp stock | $15.09

United Bancorp, Inc is a banks-regional business based in the US. United Bancorp shares (UBCP) are listed on the NASDAQ and all prices are listed in US Dollars. United Bancorp employs 112 staff and has a trailing 12-month revenue of around 0.00.

United Bancorp stock price (NASDAQ: UBCP)

Use our graph to track the performance of UBCP stocks over time.

United Bancorp shares at a glance

• Key figures

Information last updated 2021-07-31.

Latest market close	$15.09
52-week range	$9.87 - $15.74
50-day moving average	$14.01
200-day moving average	$14.33
Wall St. target price	$20.00
PE ratio	9.0056
Dividend yield	$0.57 (4.38%)
Earnings per share (TTM)	$1.44

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Is it a good time to buy United Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of United Bancorp, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

United Bancorp price performance over time

Historical closes compared with the close of $15.09 from 2021-05-26

1 week (2021-07-22)	N/A
1 month (2021-07-02)	3.14%
3 months (2021-04-30)	0.60%
6 months (2021-01-29)	N/A

1 year (2020-07-29)	N/A
2 years (2019-07-29)	N/A
3 years (2018-07-29)	N/A
5 years (2016-07-29)	N/A

Is United Bancorp under- or over-valued?

Valuing United Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of United Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

United Bancorp's P/E ratio

United Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 9x. In other words, United Bancorp shares trade at around 9x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

United Bancorp financials

Revenue TTM	$26.8 million
Operating margin TTM	34.37%
Gross profit TTM	$26.5 million
Return on assets TTM	1.14%
Return on equity TTM	12.77%
Profit margin	30.9%
Book value	$11.49
Market capitalisation	$77.3 million

TTM: trailing 12 months

Shorting United Bancorp shares

There are currently 8,168 United Bancorp shares held short by investors – that's known as United Bancorp's "short interest". This figure is 63% up from 5,010 last month.

There are a few different ways that this level of interest in shorting United Bancorp shares can be evaluated.

United Bancorp's "short interest ratio" (SIR)

United Bancorp's "short interest ratio" (SIR) is the quantity of United Bancorp shares currently shorted divided by the average quantity of United Bancorp shares traded daily (recently around 8168). United Bancorp's SIR currently stands at 1. In other words for every 100,000 United Bancorp shares traded daily on the market, roughly 1000 shares are currently held short.

However United Bancorp's short interest can also be evaluated against the total number of United Bancorp shares, or, against the total number of tradable United Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case United Bancorp's short interest could be expressed as 0% of the outstanding shares (for every 100,000 United Bancorp shares in existence, roughly 0 shares are currently held short) or 0.0016% of the tradable shares (for every 100,000 tradable United Bancorp shares, roughly 2 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against United Bancorp.

Find out more about how you can short United Bancorp stock.

United Bancorp share dividends

Dividend payout ratio: 57.43% of net profits

Recently United Bancorp has paid out, on average, around 57.43% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.46% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), United Bancorp shareholders could enjoy a 4.46% return on their shares, in the form of dividend payments. In United Bancorp's case, that would currently equate to about $0.57 per share.

United Bancorp's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

United Bancorp's most recent dividend payout was on 17 June 2021. The latest dividend was paid out to all shareholders who bought their shares by 8 June 2021 (the "ex-dividend date").

Have United Bancorp's shares ever split?

United Bancorp's shares were split on a 11:10 basis on 28 November 2006. So if you had owned 10 shares the day before before the split, the next day you'd have owned 11 shares. This wouldn't directly have changed the overall worth of your United Bancorp shares – just the quantity. However, indirectly, the new 9.1% lower share price could have impacted the market appetite for United Bancorp shares which in turn could have impacted United Bancorp's share price.

United Bancorp share price volatility

Over the last 12 months, United Bancorp's shares have ranged in value from as little as $9.8739 up to $15.7428. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while United Bancorp's is 0.4217. This would suggest that United Bancorp's shares are less volatile than average (for this exchange).

United Bancorp overview

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2020, the company operated through a network of nineteen banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio. .

Frequently asked questions

What percentage of United Bancorp is owned by insiders or institutions?
Currently 14.064% of United Bancorp shares are held by insiders and 13.095% by institutions. How many people work for United Bancorp?
Latest data suggests 112 work at United Bancorp. When does the fiscal year end for United Bancorp?
United Bancorp's fiscal year ends in December. Where is United Bancorp based?
United Bancorp's address is: 201 South Fourth Street, Martins Ferry, OH, United States, 43935 What is United Bancorp's ISIN number?
United Bancorp's international securities identification number is: US9099111091 What is United Bancorp's CUSIP number?
United Bancorp's Committee on Uniform Securities Identification Procedures number is: 909911109