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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
United Bancorp Inc is a regional bank holding company that provides deposit, lending and basic commercial banking services to local customers and businesses. Long-term growth may be supported by loan-book expansion, potential net interest margin improvement as rate cycles change and diversification into noninterest income, which could support earnings stability and gradual franchise scale.
Material risks include sensitivity to interest-rate and margin compression, loan-credit losses in a weak economy, competitive pressure for deposits and loans and regulatory or execution challenges that could impair capital or growth.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 8.27M | 7.29M | 9.49M | 9.54M | 10.68M |
| Net income | 7.75M | 7.40M | 8.95M | 8.66M | 9.45M |
| Selling general administrative | 15.84M | 11.08M | 11.27M | 11.07M | 10.54M |
| Selling and marketing expenses | 0.40M | 0.42M | 0.36M | 0.35M | 0.38M |
| Gross profit | 31.99M | 28.96M | 30.34M | 28.47M | 27.82M |
| Reconciled depreciation | 1.35M | 1.23M | 1.14M | 1.16M | 1.29M |
| Ebit | 8.27M | 7.29M | 9.49M | 12.81M | 10.68M |
| Ebitda | 9.26M | 8.52M | 10.64M | 13.97M | 11.97M |
| Depreciation and amortization | 0.99M | 1.23M | 1.15M | 1.16M | 1.29M |
| Operating income | 8.27M | 7.29M | 9.49M | 12.81M | 10.68M |
| Other operating expenses | 39.23M | 36.69M | 31.41M | -15.66M | -17.14M |
| Interest expense | 15.02M | 14.72M | 11.01M | 3.27M | 2.60M |
| Tax provision | -0.09M | -0.11M | 0.57M | 0.88M | 1.23M |
| Interest income | 41.12M | 39.14M | 34.86M | 27.52M | 24.63M |
| Net interest income | 26.09M | 24.42M | 25.67M | 24.25M | 22.03M |
| Income tax expense | 0.52M | -0.11M | 0.54M | 0.88M | 1.23M |
| Total revenue | 47.50M | 43.98M | 40.90M | 28.47M | 27.82M |
| Total operating expenses | 23.72M | 21.67M | 20.85M | -15.66M | -17.14M |
| Cost of revenue | 15.51M | 15.02M | 10.56M | - | - |
| Total other income expense net | - | 30.54M | -5.95M | -3.27M | -2.60M |
| Net income from continuing ops | 7.75M | 7.40M | 8.87M | 8.66M | 9.45M |
| Net income applicable to common shares | - | - | - | 8.66M | 8.88M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 857.45M | 816.66M | 820.63M | 757.40M | 724.46M |
| Intangible assets | - | 0.12M | 0.26M | 0.41M | 0.56M |
| Other current assets | -120.57M | - | 48.24M | 3.40M | 2.35M |
| Total liab | 786.93M | 753.20M | 757.04M | 697.66M | 652.75M |
| Total stockholder equity | 70.52M | 63.46M | 63.59M | 59.74M | 71.70M |
| Other current liab | 641.37M | 613.49M | 419.53M | -5.92M | -6.57M |
| Common stock | 6.21M | 6.20M | 6.06M | 6.04M | 6.05M |
| Capital stock | 6.21M | 6.20M | 6.06M | 6.04M | 6.05M |
| Retained earnings | 48.58M | 46.31M | 44.02M | 41.95M | 37.85M |
| Other liab | - | - | - | 5.61M | 31.92M |
| Good will | 0.68M | 0.68M | 0.68M | 0.68M | 0.68M |
| Other assets | - | 791.23M | - | 521.63M | 332.49M |
| Cash | 46.53M | 19.61M | 40.77M | 30.08M | 83.00M |
| Total current liabilities | 670.77M | 643.99M | 446.31M | 5.92M | 6.57M |
| Net debt | 84.74M | 112.61M | 87.56M | -6.35M | -59.33M |
| Short term debt | 29.40M | 30.49M | 26.78M | - | - |
| Short long term debt total | 131.27M | 132.21M | 128.33M | 23.73M | 23.66M |
| Other stockholder equity | 21.08M | 21.05M | 23.35M | 21.08M | 20.84M |
| Property plant equipment | - | - | - | 12.14M | 12.76M |
| Total current assets | 165.31M | 143.16M | 48.24M | 4.91M | 231.66M |
| Long term investments | 114.80M | 119.23M | 242.76M | 458.82M | 146.31M |
| Net tangible assets | - | - | - | 59.05M | 71.70M |
| Short term investments | 114.80M | 119.23M | 242.76M | 217.62M | 146.31M |
| Net receivables | 3.98M | 4.32M | 4.10M | 3.40M | 2.35M |
| Long term debt | 98.91M | 98.85M | 98.79M | 23.73M | 23.66M |
| Inventory | - | - | 36.67M | 3.52M | 0.42M |
| Accounts payable | - | - | - | 5.92M | 6.57M |
| Accumulated other comprehensive income | -5.35M | -10.10M | -9.84M | -9.34M | 6.96M |
| Common stock total equity | - | - | - | 6.04M | - |
| Retained earnings total equity | - | - | - | 41.95M | - |
| Treasury stock | - | - | - | -1.83M | - |
| Non currrent assets other | 164.13M | 148.88M | 715.47M | -230.86M | -160.31M |
| Non current assets total | 692.13M | 673.50M | 772.39M | 230.86M | 160.31M |
| Capital lease obligations | 2.96M | 2.87M | 2.76M | - | - |
| Long term debt total | - | - | - | 23.73M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 18.30M | -19.46M | -22.19M | -103.01M | 9.15M |
| Change to liabilities | - | - | - | -0.28M | 0.00M |
| Total cashflows from investing activities | -4.01M | -19.46M | -48.47M | -103.26M | -1.21M |
| Net borrowings | -0.00M | -0.09M | 75.00M | 2.40M | 3.00M |
| Total cash from financing activities | 20.98M | -10.14M | 49.70M | 41.86M | 24.42M |
| Change to operating activities | - | - | - | -1.10M | -1.06M |
| Net income | 7.75M | 7.40M | 8.95M | 8.66M | 9.45M |
| Change in cash | 26.92M | -21.16M | 10.69M | -52.92M | 31.41M |
| Begin period cash flow | 19.61M | 40.77M | 30.08M | 83.00M | 51.59M |
| End period cash flow | 46.53M | 19.61M | 40.77M | 30.08M | 83.00M |
| Total cash from operating activities | 9.96M | 8.45M | 9.46M | 8.48M | 8.19M |
| Depreciation | 1.35M | 1.23M | 1.15M | 1.16M | 1.29M |
| Other cashflows from investing activities | 0.01M | -8.14M | -23.80M | 0.27M | 0.67M |
| Dividends paid | 5.48M | 5.11M | 4.79M | -4.56M | -4.10M |
| Change to inventory | - | - | 0.13M | - | -1.24M |
| Change to account receivables | 0.37M | -0.25M | -0.69M | -1.06M | 0.56M |
| Sale purchase of stock | -0.32M | -0.69M | -0.73M | -0.77M | -0.07M |
| Other cashflows from financing activities | 27.87M | -4.25M | -19.78M | 47.18M | 28.60M |
| Change to netincome | - | - | - | 0.22M | -2.11M |
| Capital expenditures | 11.78M | 9.70M | 1.08M | 0.51M | 0.78M |
| Change receivables | - | - | - | -1.06M | - |
| Cash flows other operating | - | - | - | -0.29M | - |
| Cash and cash equivalents changes | - | - | - | -52.92M | - |
| Change in working capital | 0.54M | -1.08M | -1.44M | -2.35M | -0.94M |
| Stock based compensation | 0.36M | 0.88M | 0.66M | 1.00M | 0.41M |
| Other non cash items | 1.66M | 0.92M | 0.13M | -0.34M | -2.13M |
| Free cash flow | -1.82M | -1.25M | 8.38M | 7.97M | 7.42M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| UBCP United Bancorp Inc |
0.19 1.33% |
14.48 | 11.23 | 10.30 | 2.69 | 1.23 | 5.08 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
201 South Fourth Street, Martins Ferry, OH, United States, 43935
740 633 0445
125
| Name | Title | Year Born |
|---|---|---|
| Mr. Scott A. Everson | Pres, CEO & Director | 1968 |
| Mr. Randall M. Greenwood | Sr. VP, CFO, Treasurer & Corp. Sec. | 1964 |
| Mr. Matthew Fredrick Branstetter | Sr. VP & COO | 1968 |
| Mr. Michael A. Lloyd | Chief Information Officer and VP | 1969 |
| Mr. Norman F. Assenza Jr. | VP Compliance | 1946 |
| Mr. Chad S. Smith | Chief Human Resource Officer & VP | 1972 |
| Mr. Elmer K. Leeper | Chief Retail Banking Officer and VP | 1967 |
| Mr. Scott A. Everson | President, CEO & Director | 1968 |
| Mr. Randall M. Greenwood | Senior VP, CFO, Treasurer & Corporate Secretary | 1964 |
| Mr. Matthew Fredrick Branstetter | Senior VP & COO | 1968 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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