United Bancorp Inc

Finance
Major Banks
www.unitedbancorp.com

Earnings Score

Market Cap $72.15M
Debt -
Cash $37.78M
EV -
FCF -

Earnings

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Sales & Net Margins

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Equity	$65.46M
Growth Stability	100%
PB	1.1
Price/Cash	0.52
Earnings CAGR	6%
FCF CAGR	8%
Equity CAGR	6%
Earnings Stability	0.24
Earnings Growth YoY	-25%
Earnings Growth QoQ	7%
Earnings CAGR 5Y	2%
FCF CAGR 5Y	1%

Equity CAGR 5Y	-2%
FCF CAGR 3Y	-1%
Equity CAGR 3Y	-1%
Market Cap	$72.15M
Assets	$825.48M
Cash	$37.78M
Shares Outstanding	5.58M
Earnings Score	11%
Shares Growth 3y	1%
Equity Growth QoQ	8%
Equity Growth YoY	24%

Assets & ROA

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Stockholders Equity & ROE

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United Bancorp Inc operates as a bank holding company that provides commercial and retail banking services. The bank provides a range of banking and financial services, which includes accepting the demand, savings and time deposits and granting commercial, real estate, and consumer loans. The company serves customers in northeastern, eastern, southeastern and south central Ohio and the Northern panhandle of West Virginia and is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities.

SEC Filings

Direct access to United Bancorp Inc (UBCP) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does United Bancorp Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of United Bancorp Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 6%

Stability 24%

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United Bancorp Inc Discounted Cash Flow

Fully customizable DCF calculator online for United Bancorp Inc .

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	TTM
Net Margins	-	-	-	-	-	-	-	-	-
ROA	-	2%	2%	1%	2%	1%	1%	1%	-
ROE	-	8%	8%	8%	11%	11%	12%	14%	-

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	TTM
Debt over FCF	-	4.89	2.93	1.62	0.95	1.85	2.12	-	-
Debt over Equity	0.14	0.22	0.25	0.16	0.12	0.19	0.22	-	-
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	12%	-1%	16%	61%	15%	18%	-7%	2%
Equity YoY growth	-	3%	3%	15%	18%	14%	5%	-17%	-2%
FCF YoY growth	-	-35%	97%	31%	46%	-6%	8%	7%	1%