---
title: "United Bancorp, Inc. (UBCP.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/UBCP.US.md"
symbol: "UBCP.US"
name: "United Bancorp, Inc."
industry: "Regional Banks"
datetime: "2026-05-21T14:01:11.431Z"
locales:
  - [en](https://longbridge.com/en/quote/UBCP.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/UBCP.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/UBCP.US.md)
---

# United Bancorp, Inc. (UBCP.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.unitedbancorp.com](https://www.unitedbancorp.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-21T04:30:18.000Z

**Overall: C (0.45)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 283 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.75% |  |
| Net Profit YoY | 7.16% |  |
| P/B Ratio | 1.23 |  |
| Dividend Ratio | 6.46% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 82869884.54 |  |
| Revenue | 32279400.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 11.57% | B |
| Profit Margin | 24.14% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 9.75% | B |
| Net Profit YoY | 7.16% | C |
| Total Assets YoY | 3.35% | C |
| Net Assets YoY | 11.02% | B |
| Cash Flow Margin | 0.00% | D |
| OCF YoY | 9.75% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - United Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "9.75%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "7.16%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.23",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "6.46%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "82869884.54",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "32279400.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "11.57%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "24.14%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "9.75%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "7.16%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "3.35%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "11.02%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "9.75%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 11.16 | 94/329 | 11.93 | 11.36 | 10.77 |
| PB | 1.23 | 181/329 | 1.35 | 1.29 | 1.23 |
| PS (TTM) | 2.57 | 39/329 | 2.81 | 2.71 | 2.57 |
| Dividend Yield | 6.46% | 4/329 | 6.75% | 6.41% | 6.12% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-12T04:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 1 | 100% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 14.39 |
| Highest Target | 20.00 |
| Lowest Target | 20.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/UBCP.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/UBCP.US/norm.md)
- [Related News](https://longbridge.com/en/quote/UBCP.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/UBCP.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**