UBCP - NASDAQ

United Bancorp, Inc.

UBCP·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$91.92M

EPS1.4100

P/E Ratio11.28

Earnings Date08/05/2026

857.44M

Assets

3Y+13.0%

5Y+24.0%

10Y+96.0%

786.93M

Total Liabilities

3Y+13.0%

5Y+26.0%

10Y+99.0%

70.51M

Total Equity

11%

3Y+18.0%

5Y+3.0%

10Y+65.0%

United Bancorp, Inc. Funding & Solvency Profile

UBCP · NASDAQ

Current Assets

Cash & Cash Equivalents8.97M

Net Receivables3.98M

Inventory0.00

Other Current Assets-120.57M

Total Current Assets47 M

Non-Current Assets

Property, Plant & Equipment0.00

Goodwill & Intangible Assets682.00K

Long-Term Investments489.84M

Other Non-Current Assets320.40M

Total Non-Current Assets810 M

Total Assets

857.44M

Financial Health Analysis

Current Ratio

1.58x

Strong liquidity. The company has adequate resources to meet short-term liabilities.

Debt-to-Equity Ratio

11.16x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

17 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

5% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

United Bancorp, Inc. Balance Sheet

UBCP • NASDAQ

United Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	9M	19.6M	40.8M	30.1M	83M	51.6M	15M	25.3M	14.3M	11.5M	12.7M	39.2M	23.5M	75.1M	15.7M	10.9M	16.3M	12.3M	12.3M	14.6M
Short-Term Investments	154.2M	119.2M	170M	217.6M	146.3M	158.1M	188.8M	124M	45M	39.8M	34.6M	19.3M	26.6M	34.9M	82M	2.6M	17.6M	0.0	0.0	0.0
Cash & Short-Term Investments	163.1M	138.8M	210.7M	247.7M	229.3M	209.7M	203.8M	149.2M	59.3M	51.3M	47.3M	58.5M	50M	110M	97.7M	13.5M	33.8M	12.3M	12.3M	14.6M
Net Receivables	4M	4.3M	4.1M	3.4M	2.3M	2.9M	2.7M	1.8M	993K	840K	803K	829K	1M	1.1M	1.4M	1.4M	2.2M	3M	3.1M	2.6M
Accounts Receivables	4M	4.3M	4.1M	3.4M	2.3M	2.9M	2.7M	1.8M	993K	840K	803K	829K	1M	1.1M	1.4M	1.4M	2.2M	3M	3.1M	2.6M
Other Current Assets	-120.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	46.5M	143.2M	214.8M	251.1M	231.7M	212.6M	206.5M	151M	60.3M	52.1M	48.1M	59.3M	51.1M	111M	99.1M	14.9M	36.1M	15.3M	15.5M	17.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	0.0	23.6M	15M	12.1M	12.8M	13.7M	12.4M	12.1M	11.7M	11.9M	10.4M	10.1M	10.7M	10.4M	9.8M	9.3M	8.7M	8.5M	7.1M	7.3M
Goodwill	682K	682K	682K	682K	682K	682K	682K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	0.0	122K	260K	410K	560K	710K	860K	1.7M	0.0	0.0	0.0	66K	186K	305K	424K	543K	656K	775K	0.0	0.0
Goodwill & Intangible Assets	682K	804K	942K	1.1M	1.2M	1.4M	1.5M	1.7M	0.0	0.0	0.0	66K	186K	305K	424K	543K	656K	775K	0.0	0.0
Long-Term Investments	489.8M	494.3M	482.7M	462.3M	451.1M	439.1M	440.1M	407.7M	366.9M	354.7M	327.6M	314.9M	309.8M	298.4M	288M	378.5M	366.2M	380.6M	413.7M	380.9M
Tax Assets	0.0	5.9M	2.4M	2.4M	0.0	0.0	0.0	0.0	349K	850K	521K	493K	744K	887K	909K	801K	333K	532K	0.0	0.0
Other Non-Current Assets	320.4M	148.9M	103.6M	28.3M	27.7M	26.6M	25.2M	20.6M	20.1M	18.4M	18.4M	16.9M	16.7M	17.4M	17.3M	19.4M	34M	36.2M	15.2M	16.4M
Total Non-Current Assets	810.9M	673.5M	604.6M	506.3M	492.8M	480.8M	479.2M	442.2M	399.1M	385.9M	357M	342.5M	338.1M	327.3M	316.5M	408.5M	409.9M	426.5M	435.9M	404.5M
Total Assets	857.4M	816.7M	819.4M	757.4M	724.5M	693.4M	685.7M	593.2M	459.3M	438M	405.1M	401.8M	389M	438.4M	415.6M	423.4M	446M	441.8M	451.4M	421.7M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	5.9M	6.6M	7M	5.7M	4.6M	4.2M	3.2M	3.7M	2.8M	2.8M	4.2M	3.9M	0.0	0.0	5.3M	0.0	0.0
Accounts Payable	0.0	0.0	0.0	5.9M	6.6M	7M	5.7M	4.6M	4.2M	3.2M	3.7M	2.8M	2.8M	4.2M	3.9M	0.0	0.0	5.3M	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.2M	3.2M	3.7M	2.8M	2.8M	4.2M	0.0	0.0	0.0	5.3M	0.0	0.0
Short Term Debt	29.4M	30.5M	26.8M	18.1M	15.7M	12.7M	6.9M	8.1M	11.1M	9.4M	11.4M	10.2M	11.5M	21.4M	19.9M	11.8M	10.3M	51.6M	81.5M	53.2M
Other Current Liabilities	0.0	613.5M	621.5M	649.9M	605.1M	579.5M	548.1M	525.4M	386M	338.8M	323.6M	322.7M	310.6M	350.4M	328.5M	325.4M	344.5M	347M	330.5M	330M
Total Current Liabilities	29.4M	644M	648.2M	673.9M	627.4M	599.3M	560.7M	538.1M	405.5M	354.6M	342.3M	338.5M	327.7M	380.2M	352.4M	337.3M	354.8M	409.2M	412M	383.2M
NON-CURRENT LIABILITIES
Long Term Debt	98.9M	98.8M	98.8M	23.7M	23.7M	23.6M	63.3M	4.2M	14.1M	44M	30.7M	30.8M	31.1M	36.4M	37M	47.5M	53.1M	47.7M	4M	4M
Deferred Tax Liabilities (Non-Current)	2.4M	0.0	0.0	0.0	1.7M	2.2M	1.7M	219K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	655.7M	7.5M	6.1M	0.0	0.0	0.0	0.0	0.0	-4.2M	-3.2M	-9.4M	-7.9M	-8.5M	-14.9M	-10M	3.1M	2.8M	-49M	1.5M	1.8M
Total Non-Current Liabilities	759.9M	109.2M	107.6M	23.7M	25.3M	25.8M	65.1M	4.4M	9.9M	40.8M	21.3M	22.9M	22.6M	21.6M	27M	50.6M	55.9M	-1.3M	5.5M	5.8M
Capital Lease Obligations	3M	2.9M	2.8M	0.0	0.0	0.0	126K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	786.9M	753.2M	755.9M	697.7M	652.8M	625.1M	625.8M	542.6M	415.4M	395.4M	363.6M	361.4M	350.2M	401.7M	379.4M	387.9M	410.8M	407.9M	417.5M	389.1M
SHAREHOLDERS' EQUITY
Treasury Stock	-3.6M	-3.2M	-2.6M	-1.8M	-1.1M	-989K	-462K	-46K	-46K	-46K	-46K	-63K	-101K	-30K	-111K	-555K	-1.3M	-1.7M	-2M	-864K
Common Stock	6.2M	6.2M	6.1M	6M	6.1M	6M	6M	5.9M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.2M	5.2M	5.1M
Additional Paid-In Capital	27.1M	26.4M	25.9M	24.8M	23.6M	23.2M	22.9M	22.6M	18M	18M	18.2M	18M	17.8M	17.4M	17.4M	20.1M	22.8M	25.7M	28M	27.5M
Retained Earnings	48.6M	46.3M	44M	41.9M	37.8M	32.5M	27.9M	24.3M	23.3M	22.5M	21.4M	20.5M	19.6M	18.5M	18.4M	15.3M	12.8M	9.9M	7.1M	7M
Accumulated Other Comprehensive Income/Loss	-7.8M	-10.1M	-7.5M	-9.3M	7M	9.3M	5.5M	-10K	-420K	-454K	-181K	57K	-191K	-1.1M	-920K	-707K	-507K	-1.1M	-4.5M	-6.2M
Other Total Stockholders' Equity	0.0	-2.1M	-2.4M	-1.9M	-1.7M	-1.7M	-1.9M	-2.1M	-2.4M	-2.8M	-3.4M	-3.5M	-3.6M	-3.6M	-3.9M	-4M	-4M	-4M	0.0	0.0
Total Stockholders' Equity	70.5M	63.5M	63.6M	59.7M	71.7M	68.3M	59.9M	50.6M	43.9M	42.6M	41.5M	40.4M	38.9M	36.6M	36.2M	35.6M	35.2M	33.9M	33.9M	32.6M
Total Equity	70.5M	63.5M	63.6M	59.7M	71.7M	68.3M	59.9M	50.6M	43.9M	42.6M	41.5M	40.4M	38.9M	36.6M	36.2M	35.6M	35.2M	33.9M	33.9M	32.6M
SUMMARY
Total Liabilities & Equity	857.4M	816.7M	819.4M	757.4M	724.5M	693.4M	685.7M	593.2M	459.3M	438M	405.1M	401.8M	389M	438.4M	415.6M	423.4M	446M	441.8M	451.4M	421.7M
Total Investments	604.6M	613.6M	652.7M	680M	597.4M	597.2M	628.9M	531.7M	411.8M	394.5M	362.2M	334.3M	336.3M	333.2M	370M	381.1M	383.8M	380.6M	413.7M	380.9M
Total Debt	131.3M	132.2M	128.3M	41.8M	39.4M	36.3M	70.3M	12.3M	25.2M	53.4M	42M	41M	42.6M	57.8M	56.9M	59.3M	63.4M	99.3M	85.5M	57.2M
Net Debt	122.3M	112.6M	87.6M	11.8M	-43.6M	-15.3M	55.3M	-13M	10.9M	41.8M	29.3M	1.9M	19.1M	-17.3M	41.2M	48.4M	47.1M	87M	73.2M	42.7M
Shares Outstanding	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084	5,774,084

SEC Filings

UBCP - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 14, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 22, 2026	2026	View Filing
10-K/A 10-K/A 2025 FY (Amended) FY	March 19, 2026	December 31, 2025	2025	View Filing
DEF 14A DEF 14A 2026 N/A	March 18, 2026	April 22, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 18, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 20, 2026	February 18, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 03, 2026	February 03, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 20, 2025	November 19, 2025	2025	View Filing

Showing 1 to 10 of 330 filings

Related Guides

Blog Categories

Continue your UBCP research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.