Is UBCP a good stock to buy right now?

Based on our 6-factor quantitative model, UNITED BANCORP INC /OH/ (UBCP) receives a "Hold" rating with a composite score of 55.3/100. It is ranked #142 out of 4,446 stocks. Key factor scores: Quality 56/100, Value 70/100, Momentum 51/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for UBCP?

UNITED BANCORP INC /OH/ (UBCP) has a "Hold" rating and 3-star score. The composite score of 55.3 ranks it #142 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is UBCP in?

UNITED BANCORP INC /OH/ operates in the Financials sector (Banking industry) with a market cap of $94 million. It is classified as a micro-cap stock.

Does UBCP pay a dividend?

UBCP does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is UBCP's P/E ratio?

UBCP has a trailing P/E ratio of 12.04x. The Financials sector average is 15.8x. This below-average P/E may indicate the stock is undervalued.

How profitable is UBCP?

UBCP's quality factor score is 56/100. ROE: 10.7% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is UBCP valued compared to peers?

UBCP's value factor score is 70/100 (higher = cheaper). Key multiples: P/E 12.0x, EV/EBITDA 10.3x. The stock appears attractively valued versus peers.

What is UBCP's debt level?

UBCP's debt-to-equity ratio is 1116%. Sector average: 122%. Elevated leverage increases credit risk.

UBCP has a beta of -0.06, meaning it is less volatile than the market. Stability score: 76/100.

Does UBCP have high short interest?

UBCP's short interest factor score is 46/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

UBCP Stock Analysis: Top Micro-Cap Hold (Score 55.3/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
UBCP	-2.39%	+2.91%	+6.00%	+10.80%	+21.19%	-	-	-
Industry Proxy XLF	-0.27%	+1.36%	+5.54%	-5.00%	+11.82%	-	-	-
U.S. Market SPY	+0.25%	+3.20%	+4.88%	+2.89%	+33.48%	-	-	-
Alpha vs Market	-2.64%	-0.29%	+1.12%	+7.91%	-12.29%	-	-	-
Alpha vs Sector	-2.13%	+1.55%	+0.46%	+15.80%	+9.37%	-	-	-

Metric	UBCP	Benchmark
P/E Ratio	12.0x	-24%
EV/EBITDA	10.3x	+204%
Price / Book	1.3x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
MFC MANULIFE FINANCIAL CORP	66	72	89	54	19.5x	11,525.5%	0.0%	6.4%	-	6,942.0x	$65.0B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	78	67	12.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$1.2B	VS
SSSS SURO CAPITAL CORP.	62	89	34	70	5.3x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$328M	VS
DAVE Dave Inc./DE	62	93	65	62	25.5x	37.0%	80.0%	23.8%	88.1%	38.0x	$3.0B	VS
PKBK PARKE BANCORP, INC.	61	60	77	65	10.4x	10.5%	-	24.8%	20.9%	593.0x	$346M	VS
BTM Bitcoin Depot Inc.	60	72	80	72	1.9x	282.8%	96.5%	4.9%	-0.4%	530.0x	$47M	VS
OBT Orange County Bancorp, Inc. /DE/	59	63	74	62	15.0x	11.4%	-	24.5%	6.2%	835.0x	$470M	VS
HBCP HOME BANCORP, INC.	59	58	75	56	11.5x	10.1%	0.0%	24.8%	8.3%	703.0x	$503M	VS
FRST Primis Financial Corp.	58	62	79	59	12.7x	6.5%	0.0%	14.2%	-0.8%	857.0x	$350M	VS
HBT HBT Financial, Inc.	58	61	72	53	13.7x	12.4%	0.0%	29.8%	2.4%	724.0x	$1.0B	VS
UBCP UNITED BANCORP INC /OH/	55	56	70	51	12.0x	10.7%	-	29.3%	8.5%	1,116.0x	$94M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	-	-	-	-	-	-	0.8%	0.8%	0.8%	0.8%	0.8%
Operating Margin %	0.3%	0.2%	0.2%	0.3%	0.3%	0.4%	0.2%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.3%	0.2%	0.2%	0.3%	0.4%	0.5%	0.4%	0.4%	0.3%	0.4%	0.3%
Net Margin %	0.3%	0.2%	0.2%	0.2%	0.3%	0.4%	0.3%	0.3%	0.2%	0.2%	0.2%
FCF Margin %	-	-	-	-	-	-	29.4%	20.3%	22.8%	19.6%	10.4%
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	8.3%	8.6%	9.1%	11.8%	12.6%	11.8%	3.4%	0.7%	6.1%	4.2%	3.2%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.8%

Operating Margin %

0.3%

0.2%

0.3%

0.4%

0.2%

EBITDA Margin %

0.3%

0.2%

0.3%

0.4%

0.5%

0.4%

0.3%

0.4%

0.3%

Net Margin %

0.3%

0.2%

0.3%

0.4%

0.3%

0.2%

FCF Margin %

29.4%

20.3%

22.8%

19.6%

10.4%

ROE %

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

8.3%

8.6%

9.1%

11.8%

12.6%

11.8%

3.4%

0.7%

6.1%

4.2%

3.2%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2018	2017	2016	2015
	$26M	$41M	$40M	$37M	$28M	$25M	$25M	$22M	$19M	$19M	$18M
	—	—	—	—	—	—	$21M	$18M	$16M	$15M	$14M
Gross Margin	---	---	---	---	---	---	84.3%	83.2%	82.2%	80.1%	78.4%
	—	$1M	$1M	$997K	$1M	$1M	$2M	$1M	$1M	$1M	$1M
Total Operating Expenses	—	$34M	$32M	$27M	$18M	$14M	—	—	—	—	—
	$7M	$8M	$7M	$9M	$10M	$11M	$4M	$4M	$3M	$4M	$4M
EBIT	$7M	$8M	$7M	$9M	$10M	$11M	$4M	$4M	$3M	$4M	$4M
EBITDA	$9M	$9M	$8M	$10M	$11M	$12M	$11M	$7M	$7M	$6M	$6M
Operating Margin	29.0%	18.5%	18.5%	25.8%	34.5%	43.2%	15.7%	16.8%	17.8%	19.9%	21.6%
EBITDA Margin	34.1%	21.4%	21.2%	28.5%	38.1%	47.9%	42.9%	29.9%	35.1%	33.6%	32.8%
	—	$6M	$7M	$11M	$3M	$3M	$6M	$3M	$2M	$2M	$2M
	—	$8M	$7M	$9M	$10M	$11M	—	—	—	—	—
Income Tax Expense	—	-$86K	-$107K	$541K	$879K	$1M	$599K	$800K	$2M	$2M	$1M
	$8M	$8M	$7M	$9M	$9M	$9M	$7M	$4M	$4M	$4M	$3M
Net Margin	29.3%	18.7%	18.7%	24.3%	31.3%	38.3%	26.7%	19.6%	18.3%	19.3%	18.3%
	$1.34	$1.34	$1.27	$1.57	$1.50	$1.62	$1.19	$0.82	$0.71	$0.72	$0.65
Diluted EPS	$1.34	$1.34	$1.27	$1.57	$1.50	$1.62	$1.19	$0.82	$0.71	$0.72	$0.65
Weighted Avg Basic	—	5M	6M	5M	5M	5M	—	—	—	—	—
Weighted Avg Diluted	—	5M	6M	5M	5M	5M	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2018

2017

2016

2015

$26M

$41M

$40M

$37M

$28M

$25M

$22M

$19M

$18M

—

$21M

$18M

$16M

$15M

$14M

Gross Margin

---

84.3%

83.2%

82.2%

80.1%

78.4%

—

$1M

$997K

$1M

$2M

$1M

Total Operating Expenses

—

$34M

$32M

$27M

$18M

$14M

—

$7M

$8M

$7M

$9M

$10M

$11M

$4M

$3M

$4M

EBIT

$7M

$8M

$7M

$9M

$10M

$11M

$4M

$3M

$4M

EBITDA

$9M

$8M

$10M

$11M

$12M

$11M

$7M

$6M

Operating Margin

29.0%

18.5%

25.8%

34.5%

43.2%

15.7%

16.8%

17.8%

19.9%

21.6%

EBITDA Margin

34.1%

21.4%

21.2%

28.5%

38.1%

47.9%

42.9%

29.9%

35.1%

33.6%

32.8%

—

$6M

$7M

$11M

$3M

$6M

$3M

$2M

—

$8M

$7M

$9M

$10M

$11M

—

Income Tax Expense

—

-$86K

-$107K

$541K

$879K

$1M

$599K

$800K

$2M

$1M

$8M

$7M

$9M

$7M

$4M

$3M

Net Margin

29.3%

18.7%

24.3%

31.3%

38.3%

26.7%

19.6%

18.3%

19.3%

18.3%

$1.34

$1.27

$1.57

$1.50

$1.62

$1.19

$0.82

$0.71

$0.72

$0.65

Diluted EPS

$1.34

$1.27

$1.57

$1.50

$1.62

$1.19

$0.82

$0.71

$0.72

$0.65

Weighted Avg Basic

—

Weighted Avg Diluted

—

UNITED BANCORP INC /OH/ (UBCP) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does UNITED BANCORP INC /OH/ Do?

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, 2021, the company operated through a network of 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. UNITED BANCORP INC /OH/ (UBCP) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Scott A. Everson and employs approximately 120 people, headquartered in MARTINS FERRY, Ohio. With a market capitalization of $94M, UBCP is one of the notable companies in the Financials sector.

UNITED BANCORP INC /OH/ (UBCP) Stock Rating — Hold (April 2026)

As of April 2026, UNITED BANCORP INC /OH/ receives a Hold rating with a composite score of 55.3/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.UBCP ranks #142 out of 4,446 stocks in our coverage universe. Within the Financials sector, UNITED BANCORP INC /OH/ ranks #102 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

UBCP Stock Price and 52-Week Range

UNITED BANCORP INC /OH/ (UBCP) currently trades at $15.76. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is UBCP Overvalued or Undervalued? — Valuation Analysis

UNITED BANCORP INC /OH/ (UBCP) carries a value factor score of 70/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 12.04x, compared to the Financials sector average of 15.79x — a discount of 24%. The price-to-book ratio stands at 1.29x, versus the sector average of 1.28x. The price-to-sales ratio is 3.53x, compared to 0.96x for the average Financials stock. On an enterprise value basis, UBCP trades at 10.35x EV/EBITDA, versus 3.41x for the sector.

Based on these multiples, UNITED BANCORP INC /OH/ appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

UNITED BANCORP INC /OH/ Profitability — ROE, Margins, and Quality Score

UNITED BANCORP INC /OH/ (UBCP) earns a quality factor score of 56/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.7%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 0.9% versus the sector average of 1.2%.

The operating margin is 29.0% (sector: 22.0%). Net profit margin stands at 29.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 8.5% on a trailing basis, compared to 9.3% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

UBCP Debt, Balance Sheet, and Financial Health

UNITED BANCORP INC /OH/ has a debt-to-equity ratio of 1116.0%, compared to the Financials sector average of 121.5%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.09x, suggesting adequate working capital coverage.

UBCP has a beta of -0.06, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for UNITED BANCORP INC /OH/ is 76/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

UNITED BANCORP INC /OH/ Revenue and Earnings History — Quarterly Trend

In TTM 2026, UNITED BANCORP INC /OH/ reported revenue of $26M and earnings per share (EPS) of $1.34. Net income for the quarter was $8M. Operating income came in at $7M.

In FY 2025, UNITED BANCORP INC /OH/ reported revenue of $41M and earnings per share (EPS) of $1.34. Net income for the quarter was $8M. Revenue grew 5.0% year-over-year compared to FY 2024. Operating income came in at $8M.

In Q3 2025, UNITED BANCORP INC /OH/ reported revenue of $7M and earnings per share (EPS) of $0.34. Net income for the quarter was $2M. Revenue grew 9.6% year-over-year compared to Q3 2024. Operating income came in at $2M.

In Q2 2025, UNITED BANCORP INC /OH/ reported revenue of $7M and earnings per share (EPS) of $0.33. Net income for the quarter was $2M. Revenue grew 6.3% year-over-year compared to Q2 2024. Operating income came in at $2M.

Over the past 8 quarters, UNITED BANCORP INC /OH/ has demonstrated a growth trajectory, with revenue expanding from $6M to $26M. Investors analyzing UBCP stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

UBCP Dividend Yield and Income Analysis

UNITED BANCORP INC /OH/ (UBCP) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

UBCP Momentum and Technical Analysis Profile

UNITED BANCORP INC /OH/ (UBCP) has a momentum factor score of 51/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 46/100 reflects moderate short selling activity.

UBCP vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, UNITED BANCORP INC /OH/ (UBCP) ranks #102 out of 891 stocks based on the Blank Capital composite score. This places UBCP in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.9/100, Bitcoin Depot Inc. (BTM) with a score of 59.9/100, MANULIFE FINANCIAL CORP (MFC) with a score of 65.5/100, Dave Inc./DE (DAVE) with a score of 61.8/100, and Orange County Bancorp, Inc. /DE/ (OBT) with a score of 59.4/100.

Comparing UBCP against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full UBCP vs S&P 500 (SPY) comparison to assess how UNITED BANCORP INC /OH/ stacks up against the broader market across all factor dimensions.

UBCP Next Earnings Date

No upcoming earnings date has been announced for UNITED BANCORP INC /OH/ (UBCP) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy UBCP? — Investment Thesis Summary

UNITED BANCORP INC /OH/ presents a balanced picture with arguments on both sides. The value score of 70/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 76/100) reduces downside risk.

In summary, UNITED BANCORP INC /OH/ (UBCP) earns a Hold rating with a composite score of 55.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on UBCP stock.

Related Resources for UBCP Investors

Explore more research and tools: UBCP vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare UBCP head-to-head with peers: UBCP vs OPY, UBCP vs BTM, UBCP vs MFC.

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Intelligence Feed

United Bancorp raises dividend by 1.3% to $0.1925 (NASDAQ:UBCP)

United Bancorp, Inc. Reports Respective Increases in Earnings for the 2025 Fourth Quarter and Twelve Months Ended December 31, 2025

United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand

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UNITED BANCORP INC /OH/ (UBCP) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does UNITED BANCORP INC /OH/ Do?

UNITED BANCORP INC /OH/ (UBCP) Stock Rating — Hold (April 2026)

UBCP Stock Price and 52-Week Range

Is UBCP Overvalued or Undervalued? — Valuation Analysis

UNITED BANCORP INC /OH/ Profitability — ROE, Margins, and Quality Score

UBCP Debt, Balance Sheet, and Financial Health

UNITED BANCORP INC /OH/ Revenue and Earnings History — Quarterly Trend

UBCP Dividend Yield and Income Analysis

UBCP Momentum and Technical Analysis Profile

UBCP vs Competitors — Financials Sector Ranking and Peer Comparison

UBCP Next Earnings Date

Should You Buy UBCP? — Investment Thesis Summary

Related Resources for UBCP Investors

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United Bancorp raises dividend by 1.3% to $0.1925 (NASDAQ:UBCP)

United Bancorp, Inc. Reports Respective Increases in Earnings for the 2025 Fourth Quarter and Twelve Months Ended December 31, 2025

United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand

The Zacks Analyst Blog Palantir, Linde, Arista Networks, Comstock and United Bancorp

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