United Bancorp Inc.
UBCP | undefined
-
At close: undefined
-
After-hours:
Market Data
Market Cap $91.63M
Enterprise Value $-46.5M
Beta 0.35
Average Volume 6.74K
Shares Outstanding (Diluted) 5.47M
Shares Change YoY -0.32%
Institutional Ownership 12.24%
Exchange NASDAQ
ISIN US9099111091
Price Performance
Price Change 1M -0.9%
Price Change 3M 1.0%
Price Change 6M -3.8%
Price Change YTD 10.5%
Price Change 1Y 15.4%
Price Change 3Y 35.6%
Price Change 5Y 7.9%
1M CAGR (ann.) -0.6%
1Y CAGR (ann.) 24.3%
5Y CAGR (ann.) 7.6%
All-Time CAGR 8.1%
Valuation
PE Ratio 11.32
Forward PE 9.73
PEG Ratio 0.95
Forward PEG 0.56
PS Ratio 1.90
Forward PS 3.20
PB Ratio 1.27
P/FCF Ratio 14.19
P/Adj. FCF Ratio 13.81
P/OCF Ratio 12.89
EV/Sales -0.97
EV/EBIT -6.04
EV/EBITDA -5.28
EV/FCF -7.20
Earnings Yield 8.8%
FCF Yield 7.0%
Adj. FCF Yield 7.2%
Financial Health
Net Cash $141.08M
Total Debt $111.28M
Cash & Short-Term Investments $249.41M
Total Assets $877.97M
Current Ratio 1.56
Quick Ratio 1.56
Debt / Equity Ratio 1.54
Debt / EBITDA 12.64
Debt / FCF 17.23
OCF / Debt 0.06
Interest Coverage 0.53
Altman Z-Score 0.25
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 68.5%
Operating Profit Margin 16.0%
EBITDA Margin 18.3%
Net Profit Margin 16.6%
FCF Margin 13.4%
Adj. FCF Margin 13.8%
SBC / Revenue -0.4%
SBC Impact (per share) -2.7%
Returns
Return on Assets 0.9%
Return on Equity 11.5%
Return on Invested Capital 0.9%
Return on Capital Employed 0.9%
Return on Tangible Assets 0.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 9.3%
Revenue CAGR 5Y 8.9%
Revenue CAGR 10Y 9.1%
EPS CAGR 3Y -3.3%
EPS CAGR 5Y -2.0%
EPS CAGR 10Y 7.3%
FCF CAGR 3Y -10.7%
FCF CAGR 5Y -6.4%
FCF CAGR 10Y 12.8%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y 12.5%
Revenue Growth Next 3Y 2.2%
Earnings Date Nov 2, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) $8.87M
Revenue Growth Est (next Q) -25.9%
Fair Value Estimates
Graham Number $20.37
Graham Upside 28.5%
Lynch Fair Value $7
Lynch Upside -55.8%
Price Target N/A
Price Target Upside N/A
Cash Flow
Operating Cash Flow $6.76M
Free Cash Flow $6.46M
Adj. Free Cash Flow $6.64M
FCF Per Share $1.18
OCF Per Share $1.23
OCF/S Ratio 14.0%
Income Statement
Revenue $48.17M
Gross Profit $33M
Operating Income $7.7M
EBITDA $8.8M
Net Income $7.97M
EPS (Diluted) $1.40
Revenue / Employee $385.39K
Profit / Employee $63.78K
Employees 125
Dividends
Annual Dividend $0.95
Dividend Yield 5.99%
Payout Ratio 67.9%
FCF Payout Ratio 86.8%
Adj. FCF Payout Ratio 84.5%
Dividend Growth (YoY) 4.4%
Pay Frequency Quarterly
Ex-Dividend Date Sep 9, 2026
Add to Watchlist
Select watchlists to add or remove UBCP