UBCP
UBCP
US9099111091
United Bancorp, Inc.
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Company Profile

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Latest News

The Zacks Analyst Blog Highlights Microsoft, Intel, Bank of America, AMREP and United Bancorp
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Top Analyst Reports for Microsoft, Intel & Bank of America
MSFTINTCBAC
UBCP Upgraded to Outperform on Deposit Growth, Strong Margins
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United Bancorp, Inc. Increases its Third Quarter Cash Dividend Payment to $0.1975 per Share, Which Produces a Forward Yield of 5.0%
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UBCP's Q2 Earnings Rise Y/Y on Margin Expansion, Deposit Growth
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United Bancorp, Inc. Reports Increases For 2026 Second Quarter and Six-Month Earnings Performance
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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics
Country
United States
Region
North America
Sector
Financial Services
Industry
Banks - Regional
Website
https://www.unitedbancorp.com

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
37.2% p.a.
Max Drawdown (5Y)
-51.9%
Sharpe Ratio (5Y)
-0.08
Beta Factor
0.33
Size Class
Micro Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Exemplary balance sheet strength: Very solid ratio of equity to debt.
Strong cyclicality: The business model is sensitive to economic downturns.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (37.2% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -51.9% in the extended horizon.
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