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United Bancorp, Inc. UBCP

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Price alert · UBCP

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14.16 USD -0.44 -3.02%

At close · Oct 30

14.16 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
14.16 × 2
Ask
14.39 × 2
14.16 Day range 14.56
12.55 52-week range 17.01
YTD
-1.32%
1 year
+8.09%
Open
14.44
Prev close
14.60
Mkt cap
81.21M
Vol
9.51K
Avg vol
5.68K
EPS
1.38
P/E
10.26
Div yield
5.75%
More statistics
Low
14.16
High
14.56
Forward P/E
7.24
Beta
0.42
Short ratio
0.84
Inst. own
9.80%
Dividend
0.72
Ex-div date
Dec 9, 2024
50-d avg
13.17
200-d avg
12.72
1y target
20.00

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Financial health

Altman Z-Score

0.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 10.2×
FY 2016: 18.8×FY 2017: 18.7×FY 2018: 13.9×FY 2019: 12.0×FY 2020: 9.6×FY 2021: 10.3×FY 2022: 9.7×FY 2023: 8.2×FY 2024: 10.2×FY 2025: 10.2×
FY 2016 5y median 10.2× FY 2025
P/S 1.7×
FY 2016: 3.3×FY 2017: 3.1×FY 2018: 2.3×FY 2019: 2.6×FY 2020: 2.1×FY 2021: 3.0×FY 2022: 2.5×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.1×
FY 2016: 1.6×FY 2017: 1.5×FY 2018: 1.1×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.4×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF -43.2×
FY 2016: 34.5×FY 2017: 17.4×FY 2018: 11.4×FY 2019: 10.9×FY 2020: 10.5×FY 2021: 12.3×FY 2022: 10.1×FY 2023: 8.4×FY 2024: -57.8×FY 2025: -43.2×
FY 2016 5y median 8.4× FY 2025
EV/EBITDA 17.0×
FY 2016: 18.1×FY 2017: 11.8×FY 2018: 7.2×FY 2019: 15.6×FY 2020: 5.7×FY 2021: 4.0×FY 2022: 8.6×FY 2023: 14.9×FY 2024: 21.7×FY 2025: 17.0×
FY 2016 5y median 14.9× FY 2025
EV/Sales 3.4×
FY 2016: 5.3×FY 2017: 3.6×FY 2018: 1.7×FY 2019: 4.3×FY 2020: 1.6×FY 2021: 1.6×FY 2022: 2.9×FY 2023: 3.9×FY 2024: 4.2×FY 2025: 3.4×
FY 2016 5y median 3.4× FY 2025
FCF Yield -2.3%
FY 2016: 2.9%FY 2017: 5.7%FY 2018: 8.8%FY 2019: 9.2%FY 2020: 9.5%FY 2021: 8.1%FY 2022: 9.9%FY 2023: 11.9%FY 2024: -1.7%FY 2025: -2.3%
FY 2016 5y median 8.1% FY 2025

Profitability

Gross Margin 67.4%
FY 2016: 89.7%FY 2017: 91.2%FY 2018: 86.1%FY 2019: 77.3%FY 2020: 76.6%FY 2021: 95.6%FY 2022: 92.7%FY 2023: 74.2%FY 2024: 65.8%FY 2025: 67.4%
FY 2016 5y median 74.2% FY 2025
Operating Margin 17.4%
FY 2016: 25.4%FY 2017: 26.5%FY 2018: 20.4%FY 2019: 24.0%FY 2020: 24.8%FY 2021: 35.1%FY 2022: 30.0%FY 2023: 23.2%FY 2024: 16.6%FY 2025: 17.4%
FY 2016 5y median 23.2% FY 2025
Net Margin 16.3%
FY 2016: 17.6%FY 2017: 16.8%FY 2018: 17.2%FY 2019: 22.0%FY 2020: 23.0%FY 2021: 31.1%FY 2022: 27.3%FY 2023: 21.9%FY 2024: 16.8%FY 2025: 16.3%
FY 2016 5y median 21.9% FY 2025
ROE 11.0%
FY 2016: 8.4%FY 2017: 8.1%FY 2018: 8.5%FY 2019: 11.4%FY 2020: 11.6%FY 2021: 13.2%FY 2022: 14.5%FY 2023: 14.1%FY 2024: 11.7%FY 2025: 11.0%
FY 2016 5y median 13.2% FY 2025
ROIC 3.6%
FY 2016: 3.9%FY 2017: 5.5%FY 2018: 6.8%FY 2019: 5.2%FY 2020: 7.4%FY 2021: 8.4%FY 2022: 8.5%FY 2023: 4.5%FY 2024: 3.6%FY 2025: 3.6%
FY 2016 5y median 4.5% FY 2025
ROA 0.9%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 0.7%FY 2019: 1.0%FY 2020: 1.1%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 1.1%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 8.0%
FY 2016: 2.2%FY 2017: 3.9%FY 2018: 18.2%FY 2019: 23.9%FY 2020: 11.7%FY 2021: -12.0%FY 2022: 4.4%FY 2023: 28.9%FY 2024: 7.5%FY 2025: 8.0%
FY 2016 FY 2025
Operating Income 13.4%
FY 2016: 13.2%FY 2017: 8.3%FY 2018: -9.1%FY 2019: 45.8%FY 2020: 15.8%FY 2021: 24.5%FY 2022: -10.7%FY 2023: -0.5%FY 2024: -23.1%FY 2025: 13.4%
FY 2016 FY 2025
EPS (diluted) 5.5%
FY 2016: 10.9%FY 2017: 0.0%FY 2018: 15.5%FY 2019: 45.1%FY 2020: 16.0%FY 2021: 17.4%FY 2022: -6.8%FY 2023: 4.0%FY 2024: -19.1%FY 2025: 5.5%
FY 2016 FY 2025
Free Cash Flow -46.2%
FY 2016: -35.2%FY 2017: 97.1%FY 2018: 31.3%FY 2019: 46.5%FY 2020: -5.9%FY 2021: 8.2%FY 2022: 7.5%FY 2023: 5.2%FY 2024: -114.9%FY 2025: -46.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.9×
FY 2016: 1.3×FY 2017: 0.6×FY 2018: 0.2×FY 2019: 1.2×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 2.0×FY 2024: 2.1×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
Net Debt / EBITDA 8.8×
FY 2016: 7.0×FY 2017: 1.7×FY 2018: -2.1×FY 2019: 6.4×FY 2020: -1.5×FY 2021: -3.6×FY 2022: 1.1×FY 2023: 8.2×FY 2024: 13.2×FY 2025: 8.8×
FY 2016 5y median 8.2× FY 2025
Interest Coverage 0.6×
FY 2016: 2.9×FY 2017: 3.2×FY 2018: 1.6×FY 2019: 1.2×FY 2020: 1.8×FY 2021: 4.1×FY 2022: 2.9×FY 2023: 0.9×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 7.0%
FY 2016: 3.8%FY 2017: 4.2%FY 2018: 5.7%FY 2019: 4.1%FY 2020: 4.7%FY 2021: 4.5%FY 2022: 5.6%FY 2023: 6.8%FY 2024: 7.1%FY 2025: 7.0%
FY 2016 5y median 6.8% FY 2025
Payout Ratio 70.7%
FY 2016: 70.9%FY 2017: 78.1%FY 2018: 75.2%FY 2019: 47.4%FY 2020: 42.3%FY 2021: 43.4%FY 2022: 52.7%FY 2023: 53.5%FY 2024: 69.1%FY 2025: 70.7%
FY 2016 5y median 53.5% FY 2025

Annual · latest fiscal year ends 2025-12-31