United Bancorp Inc (Martins Ferry OH) UBCP Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$14.20 down $0.32, 2.20% at close Nov 6
Last close · Previous close $14.52
- Market cap
- At the Nov 6 close
- P/E ratio
- 10.29On last 12 months’ EPS
- Diluted EPS
- $1.38Last 12 months
- Dividend yield
- 6.69%Last 12 months
Price chart
$14.20up $0.04, 0.28%Past month
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$14.52Nov 5
- Volume7.71KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume8.20KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $12.75 to $17.34; now $14.20
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
UBCP beat the S&P 500 in 2 of 7 periods.
| Period | UBCP and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | UBCP: up 0.3% S&P 500: down 5.6% | UBCP beat the S&P 500 by 5.9 percentage points Beat |
| 3M | UBCP: down 8.8% S&P 500: down 4.1% | UBCP trailed the S&P 500 by 4.7 percentage points Trailed |
| YTD | UBCP: up 3.8% S&P 500: up 8.7% | UBCP trailed the S&P 500 by 4.9 percentage points Trailed |
| 1Y | UBCP: up 17.1% S&P 500: up 10.9% | UBCP beat the S&P 500 by 6.2 percentage points Beat |
| Long term | ||
| 3Y | UBCP: up 61.3% S&P 500: up 75.0% +17.3% vs +20.5% a year | UBCP trailed the S&P 500 by 13.7 percentage points Trailed |
| 5Y | UBCP: up 29.5% S&P 500: up 67.8% +5.3% vs +10.9% a year | UBCP trailed the S&P 500 by 38.3 percentage points Trailed |
| 10Y | UBCP: up 129.1% S&P 500: up 313.1% +8.6% vs +15.2% a year | UBCP trailed the S&P 500 by 184.0 percentage points Trailed |
$10,000 invested in UBCP 10 years ago (Nov 4, 2016) would be worth about $22,912 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
UBCP beat the S&P 500 in 2 of 7 periods.
| Period | UBCP and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | UBCP: up 0.3% S&P 500: down 5.6% | UBCP beat the S&P 500 by 5.9 percentage points Beat |
| 3M | UBCP: down 9.9% S&P 500: down 4.3% | UBCP trailed the S&P 500 by 5.6 percentage points Trailed |
| YTD | UBCP: down 1.0% S&P 500: up 7.8% | UBCP trailed the S&P 500 by 8.8 percentage points Trailed |
| 1Y | UBCP: up 10.1% S&P 500: up 9.7% | UBCP beat the S&P 500 by 0.4 percentage points Beat |
| Long term | ||
| 3Y | UBCP: up 32.1% S&P 500: up 68.8% +9.7% vs +19.1% a year | UBCP trailed the S&P 500 by 36.7 percentage points Trailed |
| 5Y | UBCP: down 4.6% S&P 500: up 56.9% −0.9% vs +9.4% a year | UBCP trailed the S&P 500 by 61.5 percentage points Trailed |
| 10Y | UBCP: up 35.9% S&P 500: up 252.6% +3.1% vs +13.4% a year | UBCP trailed the S&P 500 by 216.7 percentage points Trailed |
$10,000 invested in UBCP 10 years ago (Nov 4, 2016) would be worth about $13,589 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$20.60
Closing high on . Now 31.1% below that record.
Split-adjusted daily closes since Aug 18, 1995.
Stock splits
5
Latest: 11-for-10 on . Share counts adjust after each split.
All 5 splits
- 11-for-10
- 10-for-9
- 11-for-10
- 10-for-9
- 1.05-for-1
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q2 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $33.00Mup 10.3%
- Net income
- $7.97Mup 6.9%
- Diluted EPS
- $1.38up 7.8%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q3 FY24 (Sep 30, 2024) | $7.29M | $1.82M | $0.31 |
| Q4 FY24 (Dec 31, 2024) | $7.41M | $1.85M | $0.32 |
| Q1 FY25 (Mar 31, 2025) | $7.43M | $1.87M | $0.32 |
| Q2 FY25 (Jun 30, 2025) | $7.78M | $1.91M | $0.33 |
| Q3 FY25 (Sep 30, 2025) | $7.89M | $1.93M | $0.34 |
| Q4 FY25 (Dec 31, 2025) | $8.70M | $2.04M | $0.35 |
| Q1 FY26 (Mar 31, 2026) | $7.91M | $1.91M | $0.33 |
| Q2 FY26 (Jun 30, 2026) | $8.50M | $2.10M | $0.36 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $29.07M | $9.45M | $1.62 |
| FY22 (Dec 31, 2022) | $29.43M | $8.66M | $1.50 |
| FY23 (Dec 31, 2023) | $30.34M | $8.95M | $1.57 |
| FY24 (Dec 31, 2024) | $28.96M | $7.40M | $1.27 |
| FY25 (Dec 31, 2025) | $31.81M | $7.75M | $1.34 |
Margins
- Gross 100.0%
- Operating 23.3%
- Net 24.2%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- −$3.76MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$6.91MLast 12 months
- Capital spending$10.67MLast 12 months
- −11.4%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $904.00KLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$5.61MLast 12 months
- Total returned$6.51MLast 12 months
Balance sheet
- Not reportedAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$111.28MAs of Jun 30, 2026
- 1.54As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 11.5%Last 12 months
Over the last 12 months, United Bancorp Inc (Martins Ferry OH)’s net income was 11.5% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 0.9%Last 12 months
Over the last 12 months, United Bancorp Inc (Martins Ferry OH)’s net income was 0.9% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.47 |
| 2017 | $0.46 |
| 2018 | $0.52 |
| 2019 | $0.55 |
| 2020 | $0.57 |
| 2021 | $0.69 |
| 2022 | $0.78 |
| 2023 | $0.82 |
| 2024 | $0.86 |
| 2025 | $0.92 |
| 2026 (to date) | $0.76 |
Dividend details
- $0.95Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- Dividend yield6.69%Last 12 months
- $0.20Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- FrequencyQuarterly4 payments in the last 12 months
- up 10.0% a yearFull years 2020–2025
The compound annual growth rate of the full-year dividend per share from 2020 to 2025.
- 8 yearsThrough 2025
How many calendar years in a row the full-year amount has risen, through 2025.
- 68.8%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About United Bancorp Inc (Martins Ferry OH)
United Bancorp, Inc. is headquartered in Martins Ferry, Ohio and has total assets of $621.0 million and total shareholder's equity of $53.8 million as of March 31, 2019. Through its single bank charter, Unified Bank, the Company has nineteen banking offices that serve the Ohio Counties of Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas. The Company also operates a Loan Production Office in Wheeling, WV. United Bancorp, Inc. trades on the NASDAQ Capital Market tier of the NASDAQ Stock Market under the symbol UBCP, Cusip #909911109.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Headquarters
- Ohio, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
UBCP news
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UBCP stock FAQ
What is UBCP stock’s price today?
United Bancorp Inc (Martins Ferry OH) (UBCP) traded at $14.20 at the close on , down $0.32 (2.20%) from the previous close of $14.52. Over the past 52 weeks it has traded between $12.75 and $17.34.
If you invested $1,000 in UBCP 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in UBCP on would be worth about $2,291 at the close on , a total return of +129.1%. The same $1,000 would be worth $1,295 if invested five years ago, $1,171 if invested one year ago, $4,270 if invested 20 years ago, and $5,127 if invested 30 years ago. Past performance doesn’t predict future returns.
What is UBCP’s P/E ratio?
UBCP trades at 10.3 times its diluted earnings over the four quarters to ($1.38 per share), at the close. (How the P/E ratio works.)
How much revenue does United Bancorp Inc (Martins Ferry OH) make?
United Bancorp Inc (Martins Ferry OH) reported $33.0 million of revenue over the four quarters to , up 10.3% from the twelve months before. In its latest quarter (Q2 FY26, ended ) revenue was $8.5 million, up 9.2% from a year earlier.
Is United Bancorp Inc (Martins Ferry OH) profitable?
Yes. United Bancorp Inc (Martins Ferry OH) earned $8.0 million of net income over the four quarters to , a net margin of 24.2%, and its operating margin was 23.3% (what margins tell you).
What are UBCP’s earnings per share?
UBCP’s diluted earnings per share were $1.38 over the four quarters to , compared with $1.28 in the twelve months before. The latest quarter (Q2 FY26) brought $0.36 per share, against $0.33 a year earlier (how EPS works).
Does UBCP pay a dividend?
Yes. United Bancorp Inc (Martins Ferry OH) pays a quarterly dividend. The most recent was $0.20 per share, with an ex-dividend date of . Over the last twelve months it paid $0.95 per share, a 6.69% yield at the close, and the full-year dividend has risen 8 years in a row (how dividend yield works).
Based on the last 12 months’ payments ($0.95 per share), and if the next 12 months match the last 12, 100 shares would receive about $95 over 12 months, and $1,000 over 12 months would take about 1,053 shares, roughly $14,953 at the close. Dividends can change.
What is UBCP’s 52-week high and low?
Over the past 52 weeks UBCP has traded as low as $12.75 and as high as $17.34. At $14.20 at the close on , it is 18.1% below that high and 11.4% above the low.
What is UBCP’s all-time high?
UBCP’s highest closing price was $20.60 on , adjusted for stock splits. At $14.20 at the close on , it is 31.1% below that record.
Has UBCP stock ever split?
Yes, five times: 1.05-for-1 on ; 10-for-9 on ; 11-for-10 on ; 10-for-9 on ; 11-for-10 on .
How has UBCP stock performed?
Including dividends and measured to the close on , UBCP has returned +3.8% so far this year and +17.1% over the past year, and +29.5% over five years (+5.3% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is United Bancorp Inc (Martins Ferry OH) in?
United Bancorp Inc (Martins Ferry OH) is in the Financial Services sector and the Banks - Regional industry, and is headquartered in Ohio, USA.
What exchange does UBCP trade on?
United Bancorp Inc (Martins Ferry OH) trades on the Nasdaq under the ticker symbol UBCP. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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