📊 UBCP Key Takeaways
Is United Bancorp Inc. /Oh/ (UBCP) a Good Investment?
United Bancorp presents a mixed fundamental picture with a fortress balance sheet but deteriorating earnings quality. While 56.8% revenue growth is exceptional, net income growing only 5.0% suggests margin compression, cost inflation, or quality-of-earnings concerns that offset top-line strength.
Why Buy United Bancorp Inc. /Oh/ Stock? UBCP Key Strengths
- Strong revenue growth of 56.8% YoY demonstrates market expansion or successful lending origination
- Fortress balance sheet with zero long-term debt (0.00x Debt/Equity ratio) provides significant financial flexibility
- Healthy operating and net margins of 18.5% and 18.7% respectively indicate operational efficiency
UBCP Stock Risks: United Bancorp Inc. /Oh/ Investment Risks
- Severe disconnect between revenue growth (56.8%) and net income growth (5.0%) signals earnings quality deterioration or one-time revenue items
- Negative free cash flow of -$1.3M despite positive net income indicates capex is outpacing cash generation sustainability
- Interest coverage ratio of 2.2x is relatively tight for a bank, limiting ability to weather credit stress or rising rate environments
- Low ROA of 0.9% falls below typical bank benchmark targets of 1%+, indicating asset deployment efficiency concerns
Key Metrics to Watch
- Revenue composition and sustainability of 56.8% growth in next quarters (identify if one-time vs. recurring)
- Free cash flow trajectory and capital expenditure plans (assess if capex normalizes)
- Interest coverage ratio and loan loss provisions (monitor credit quality)
United Bancorp Inc. /Oh/ (UBCP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UBCP Profit Margin, ROE & Profitability Analysis
UBCP vs Finance Sector: How United Bancorp Inc. /Oh/ Compares
How United Bancorp Inc. /Oh/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is United Bancorp Inc. /Oh/ Stock Overvalued? UBCP Valuation Analysis 2026
Based on fundamental analysis, United Bancorp Inc. /Oh/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
United Bancorp Inc. /Oh/ Balance Sheet: UBCP Debt, Cash & Liquidity
UBCP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: United Bancorp Inc. /Oh/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.35 reflects profitable operations.
UBCP Revenue Growth, EPS Growth & YoY Performance
UBCP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2021 | $645.0K | $1.3M | $0.36 |
| Q2 2021 | $671.0K | $1.6M | $0.29 |
| Q1 2021 | $592.0K | -$262.0K | $0.28 |
| Q3 2020 | $645.0K | $1.3M | $0.31 |
| Q2 2020 | $671.0K | $1.6M | $0.29 |
| Q1 2020 | $659.0K | $1.5M | $0.28 |
| Q3 2019 | $667.0K | $689.0K | $0.25 |
| Q2 2019 | $650.0K | $1.1M | $0.23 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
United Bancorp Inc. /Oh/ Dividends, Buybacks & Capital Allocation
UBCP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for United Bancorp Inc. /Oh/ (CIK: 0000731653)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UBCP
What is the AI rating for UBCP?
United Bancorp Inc. /Oh/ (UBCP) has an AI rating of HOLD with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UBCP's key strengths?
Claude: Strong revenue growth of 56.8% YoY demonstrates market expansion or successful lending origination. Fortress balance sheet with zero long-term debt (0.00x Debt/Equity ratio) provides significant financial flexibility.
What are the risks of investing in UBCP?
Claude: Severe disconnect between revenue growth (56.8%) and net income growth (5.0%) signals earnings quality deterioration or one-time revenue items. Negative free cash flow of -$1.3M despite positive net income indicates capex is outpacing cash generation sustainability.
What is UBCP's revenue and growth?
United Bancorp Inc. /Oh/ reported revenue of $41.5M.
Does UBCP pay dividends?
United Bancorp Inc. /Oh/ pays dividends, with $5.5M distributed to shareholders in the trailing twelve months.
Where can I find UBCP SEC filings?
Official SEC filings for United Bancorp Inc. /Oh/ (CIK: 0000731653) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UBCP's EPS?
United Bancorp Inc. /Oh/ has a diluted EPS of $1.34.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UBCP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, United Bancorp Inc. /Oh/ has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is UBCP stock overvalued or undervalued?
Valuation metrics for UBCP: ROE of 11.0% (sector avg: 12%), net margin of 18.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy UBCP stock in 2026?
Our dual AI analysis gives United Bancorp Inc. /Oh/ a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UBCP's free cash flow?
United Bancorp Inc. /Oh/'s operating cash flow is $10.5M, with capital expenditures of $11.8M. FCF margin is -3.2%.
How does UBCP compare to other Finance stocks?
Vs Finance sector averages: Net margin 18.7% (avg: 25%), ROE 11.0% (avg: 12%), current ratio N/A (avg: 1.2).