United Bancorp, Inc.

United Bancorp, Inc.

UBCPยทNASDAQ

$15.90

+0.13%
Financial ServicesBanks - Regional

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

At a Glance

Live Snapshot
Market Cap$91.92M
EPS1.4100
P/E Ratio11.28
Earnings Date08/05/2026
2.42%
Dividend Yield
78%
3Y+4.0%
5Y+31.0%
10Y+115.0%
105.73%
Dividend Payout Ratio
91%
3Y+8.0%
5Y+39.0%
10Y+78.0%
3Y+19.0%
5Y+35.0%
10Y+110.0%
United Bancorp, Inc.

United Bancorp, Inc. Dividend History

UBCP ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

UBCP Dividend Payment History

UBCP ยท NASDAQ

Total Payments

50

Latest Dividend

$0.1950

Annual Amount

$1.1250

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 22, 2026
Jun 10, 2026Jun 19, 2026
$0.1950
$0.1950
Quarterly-47.01%
Feb 18, 2026
Mar 10, 2026Mar 20, 2026
$0.3680
$0.3680
Quarterly+93.68%
Nov 19, 2025
Dec 10, 2025Dec 19, 2025
$0.1900
$0.1900
Quarterly+1.06%
Aug 20, 2025
Sep 10, 2025Sep 19, 2025
$0.1880
$0.1880
Quarterly+1.62%
Apr 16, 2025
Jun 10, 2025Jun 20, 2025
$0.1850
$0.1850
Quarterly-48.32%
Feb 20, 2025
Mar 10, 2025Mar 20, 2025
$0.3580
$0.3580
Quarterly+98.89%
Nov 21, 2024
Dec 10, 2024Dec 20, 2024
$0.1800
$0.1800
Quarterly+1.12%
Aug 21, 2024
Sep 10, 2024Sep 20, 2024
$0.1780
$0.1780
Quarterly+1.71%
Apr 18, 2024
Jun 10, 2024Jun 20, 2024
$0.1750
$0.1750
Quarterly-45.65%
Feb 20, 2024
Mar 8, 2024Mar 20, 2024
$0.3220
$0.3220
Quarterly+89.41%
Nov 22, 2023
Dec 8, 2023Dec 20, 2023
$0.1700
$0.1700
Quarterly+1.19%
Aug 18, 2023
Sep 8, 2023Sep 20, 2023
$0.1680
$0.1680
Quarterly+1.82%
Apr 20, 2023
Jun 9, 2023Jun 20, 2023
$0.1650
$0.1650
Quarterly-47.12%
Feb 22, 2023
Mar 10, 2023Mar 20, 2023
$0.3120
$0.3120
Quarterly+95.00%
Nov 17, 2022
Dec 9, 2022Dec 20, 2022
$0.1600
$0.1600
Quarterly+1.27%
Aug 17, 2022
Sep 9, 2022Sep 20, 2022
$0.1580
$0.1580
Quarterly+1.94%
Apr 21, 2022
Jun 10, 2022Jun 17, 2022
$0.1550
$0.1550
Quarterly-48.68%
Feb 16, 2022
Mar 10, 2022Mar 18, 2022
$0.3020
$0.3020
Quarterly+101.33%
Nov 17, 2021
Dec 10, 2021Dec 20, 2021
$0.1500
$0.1500
Quarterly+1.35%
Aug 18, 2021
Sep 10, 2021Sep 20, 2021
$0.1470
$0.1480
Quarterly+2.07%
Apr 22, 2021
Jun 10, 2021Jun 18, 2021
$0.1450
$0.1450
Quarterly-40.08%
Feb 17, 2021
Mar 10, 2021Mar 19, 2021
$0.2420
$0.2420
Quarterly+70.42%
Nov 18, 2020
Dec 10, 2020Dec 18, 2020
$0.1420
$0.1420
Quarterly0.00%
Aug 20, 2020
Sep 10, 2020Sep 18, 2020
$0.1420
$0.1420
Quarterly0.00%
Apr 22, 2020
Jun 10, 2020Jun 19, 2020
$0.1420
$0.1420
Quarterly0.00%
Feb 19, 2020
Mar 10, 2020Mar 20, 2020
$0.1420
$0.1420
Quarterly+1.43%
Nov 20, 2019
Dec 10, 2019Dec 20, 2019
$0.1400
$0.1400
Quarterly+1.45%
Aug 21, 2019
Sep 10, 2019Sep 20, 2019
$0.1380
$0.1380
Quarterly+2.22%
Apr 17, 2019
Jun 10, 2019Jun 20, 2019
$0.1350
$0.1350
Quarterly+2.27%
Feb 20, 2019
Mar 8, 2019Mar 20, 2019
$0.1320
$0.1320
Quarterly-26.67%
Nov 21, 2018
Dec 10, 2018Dec 20, 2018
$0.1800
$0.1800
Quarterly+38.46%
Aug 22, 2018
Sep 10, 2018Sep 20, 2018
$0.1300
$0.1300
Quarterly0.00%
Apr 18, 2018
Jun 8, 2018Jun 20, 2018
$0.1300
$0.1300
Quarterly0.00%
Feb 21, 2018
Mar 9, 2018Mar 20, 2018
$0.1300
$0.1300
Quarterly-23.53%
Nov 27, 2017
Dec 8, 2017Dec 20, 2017
$0.1700
$0.1700
Quarterly+41.67%
Aug 16, 2017
Sep 8, 2017Sep 20, 2017
$0.1200
$0.1200
Quarterly+9.09%
Apr 20, 2017
Jun 9, 2017Jun 20, 2017
$0.1100
$0.1100
Quarterly0.00%
Feb 23, 2017
Mar 10, 2017Mar 20, 2017
$0.1100
$0.1100
Quarterly-31.25%
Nov 18, 2016
Dec 9, 2016Dec 20, 2016
$0.1600
$0.1600
Quarterly+45.45%
Aug 19, 2016
Sep 9, 2016Sep 20, 2016
$0.1100
$0.1100
Quarterly+10.00%
Apr 21, 2016
Jun 10, 2016Jun 20, 2016
$0.1000
$0.1000
Quarterly0.00%
Feb 18, 2016
Mar 8, 2016Mar 18, 2016
$0.1000
$0.1000
Quarterly-33.33%
Nov 19, 2015
Dec 8, 2015Dec 18, 2015
$0.1500
$0.1500
Quarterly+66.67%
Aug 21, 2015
Sep 8, 2015Sep 18, 2015
$0.0900
$0.0900
Quarterly0.00%
Apr 16, 2015
Jun 10, 2015Jun 19, 2015
$0.0900
$0.0900
Quarterly0.00%
Feb 19, 2015
Mar 10, 2015Mar 20, 2015
$0.0900
$0.0900
Quarterly0.00%
Nov 21, 2014
Dec 9, 2014Dec 19, 2014
$0.0900
$0.0900
Quarterly+12.50%
Aug 21, 2014
Sep 9, 2014Sep 19, 2014
$0.0800
$0.0800
Quarterly0.00%
Apr 17, 2014
Jun 10, 2014Jun 20, 2014
$0.0800
$0.0800
Quarterly0.00%
Feb 13, 2014
Mar 10, 2014Mar 20, 2014
$0.0800
$0.0800
Quarterly-
ubcp

United Bancorp, Inc. Payout Ratio Analysis

UBCP ยท NASDAQ
Dividends Paid
-5.48M
2025
Net Income
7.75M
2025
Payout Ratio
70.74%
2025

Dividend Sustainability Analysis

Payout Ratio
70.74%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
-300.8%

Negative free cash flow while paying dividends is a major red flag. Company burning cash and cannot sustain dividend without external financing.

Dividend Growth
-7.3%

Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.

Sustainability
Fair

Dividend sustainability questionable. Monitor closely for signs of stress. Consider whether yield justifies the risk.