Stocktoria
UNITED BANCORP INC /OH/ UBCP
UNITED BANCORP INC /OH/ (UBCP) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 5.80% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UBCP | UNITED BANCORP INC /OH/ | 4/9 | — | 12.2 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About UNITED BANCORP INC /OH/
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.
FAQ
Is UBCP financially healthy?
UNITED BANCORP INC /OH/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does UBCP pay a dividend, and is it safe?
Yes. UNITED BANCORP INC /OH/ pays a dividend yielding about 5.80% with a 70.7% payout ratio, rated “stretched” for safety.
How profitable is UBCP?
In FY2025, UNITED BANCORP INC /OH/ had a return on equity of 11.0%.
Is UBCP overvalued or undervalued?
UNITED BANCORP INC /OH/ trades at about 11.6× trailing earnings — near its 10-year norm (10-year range 7.7×–18.2×, median 10.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UBCP?
The average Wall-Street price target for UNITED BANCORP INC /OH/ is $20.00, about 28.5% above the recent price, from 1 analysts.
Is UBCP a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNITED BANCORP INC /OH/: a Piotroski F-score of 4/9, a P/E of about 12.2×, a dividend yield of 5.80%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.