Obermatt

United Bancorp

NAQ:UBCP · US9099111091
BanksSmall

360

95
Profit price66
Cash yield99
Price/Sales30
EV / Gross Profit25
Price/Book16
Returns on capital
Profit margins

Cash truth not applicable for financial companies.

Sales growth7
Profit growth4
Reinvestment82
Price momentum27
Debt load2
Debt serviceability81
Liquidity20
Analyst ratings100
Opinion Changes50
Price Target Upside94
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

United Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1983
Employees9
ISINUS9099111091
Last UpdateApr 2, 2026
Themes
BankingCommercialFinancial ServicesVenture Capital

Description

United Bancorp, Inc. operates as the bank holding company for Unified Bank that engages in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding…

Analysis

Quality compounder

United Bancorp, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

Valuation data is not available for this company.

Growth is moderate; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
6
2023202420252026

All-time high

54

Jan 2024

All-time low

6

Jun 2026

Average rank

25

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
30
71
49
58
Price/Earnings
13
93
93
66
Price/Book
16
41
33
43
Dividend Yield
99
91
90
93
Value (overall)
32
85
82
75

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →