What is UBCP's P/E ratio?

United Bancorp Inc (UBCP) currently trades at a P/E ratio of 11.26.

United Bancorp Inc reports a Return on Equity (ROE) of -203.93%.

What is UBCP's dividend yield?

United Bancorp Inc offers a dividend yield of 4.94%.

What is UBCP's Quality Score?

Our AI rates UBCP's overall financial quality at 23 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy UBCP?

Our AI Timing Score for UBCP is 26 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does UBCP belong to?

United Bancorp Inc is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

United Bancorp Inc (UBCP) Stock Price

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-06-30)

UBCP AI Analysis Summary

Our AI summary for UBCP: United Bancorp Inc (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 11.26, ROE of -203.93%, a dividend yield of 4.94%. Its financial Quality Score stands at 23/100 — fundamentals below the market average. The AI Timing Score is 26/100 — most technical signals do not support an entry at this point. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

UBCP

United Bancorp Inc

USD 15.25

0.15 (0.96%) Day Change

Watchlist Portfolio Compare Chart

11.26

P/E

-7.52

D/E

-203.9%

ROE

0.9%

ROA

4.94%

Div Yield

-2.25

PEG

Data partially updated

UNITED BANCORP INC
TYPE: STOCK
MARKET: NASDAQ

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USD 15.25 Price 0.15 (0.96%) Day Change	NEWS SCORE: 99

UBCP, the overall quality is not good ( Quality = 23) and the timing to buy is ...(Sign In to See)...

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23 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
ROE is decreasing significantly
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not good , and ability to make profit is ok , ...

Quality Factors

48%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	99
Magic Formula Rank by ROA	2043
Magic Formula Rank by ROE	2043
Magic Formula Rank by ROIC	2160
Price	15.25
PBV / Sector	0.10 / 1.42 GREAT
Earning Per Share	1.35

PE / Sector	11.26 / 13.75 GOOD
PEG or PE/Growth / Sector	-2.25 / 0.61
Average 1M Daily Value	0.11 M GREAT
Average 1W Daily Value	0.06 M GREAT

Timing Factors

14%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

37%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

62%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	16.55 / 20.62 GOOD
NPM Average (%) / Sector	19.77 / 19,963.58 GREAT
NPM Change Average (%) / Sector	-11.12 / -8.42
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	0.91 / 1,268.52
ROA Average (%) / Sector	0.99 / 254.57
ROA Change Average (%) / Sector	-5.32 / 44,002.31
ROE (%) / Sector	-203.93 / 2,865.19
ROE Average (%) / Sector	-30.54 / 581.17
ROE Change Average (%) / Sector	-495.16 / 7,372.49
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

62%

Dividend (%) / Sector	4.94 / 2.41 GOOD
Dividend Average (%) / Sector	6.55 / 46.24 GREAT
Dividend Change Average (%) / Sector	-5.96 / -0.26

Registration Details

Analyze Date	2026-08-01 08:00:37
Symbol	UBCP
Name	UNITED BANCORP INC
Sector	Financial Services >> Banks - Regional
Market	NASDAQ
Listed Shares	5.94 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	89.79 / 6,970.30

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 201 South Fourth Street, Martins Ferry, OH, United States, 43935

Phone: 740 633 0445

Website: https://www.unitedbancorp.com

Employees: 125

Sector: Financial Services >> Banks - Regional

Description: 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.