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UNITED BANCORP INC /OH/ UBCP

Nasdaq · stock · State Commercial Banks · website · IPO 1993-03-01

UNITED BANCORP INC /OH/ statistics & valuation

Market cap$94.5M
P / E12.2×
P / B1.3×
Dividend yield5.80%
Return on equity11.0%
Graham number +23.5%$19.22

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($19.22); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.40% 8.10% 8.50% 11.40% 11.60% 13.20% 14.50% 14.10% 11.70% 11.00% 2016201720182019202020212022202320242025
Shares outstanding
5.2M 5.2M 5.0M 5.7M 5.8M 5.8M 5.7M 5.7M 5.8M 5.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.80% 0.70% 1.00% 1.10% 1.30% 1.10% 1.10% 0.90% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.71 $0.71 $0.82 $1.19 $1.39 $1.62 $1.50 $1.57 $1.27 $1.34 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UNITED BANCORP INC /OH/ trades at about 11.6× earnings — near its 10-year norm (10-year range 7.7×–18.2×, median 10.6×).

7.7× 18.2×

Shaded band = 10-year range (7.7×–18.2×); dot = today's 11.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.9%0.9%1.1%1.1%1.3%1.1%1.0%0.7%0.8%0.8%
Return on equity11.0%11.7%14.1%14.5%13.2%11.6%11.4%8.5%8.1%8.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.