United Bancorp, Inc. (Ohio)

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US9099111091
USD
13.47
0.07 (0.49%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

1.24 k

Shareholding (Mar 2025)

FII

0.35%

Held by 7 FIIs

DII

96.42%

Held by 3 DIIs

Promoter

0.00%

How big is United Bancorp, Inc. (Ohio)?

22-Jun-2025

As of Jun 18, United Bancorp, Inc. (Ohio) has a market capitalization of 81.04 million and total assets of 818.52 million, with shareholder's funds at 63.46 million.

Market Cap: As of Jun 18, United Bancorp, Inc. (Ohio) has a market capitalization of 81.04 million, classified as Micro Cap.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the sum of interest earned is 39.74 million, and the sum of net profit is 7.00 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the shareholder's funds amount to 63.46 million, and the total assets are 818.52 million.

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What does United Bancorp, Inc. (Ohio) do?

22-Jun-2025

United Bancorp, Inc. (Ohio) is a micro-cap bank holding company in the Regional Banks industry, with recent net sales of $10 million and a net profit of $2 million. It has a market cap of $81.04 million, a P/E ratio of 12.00, and a dividend yield of 3.97%.

Overview:<BR>United Bancorp, Inc. (Ohio) is a bank holding company operating in the Regional Banks industry with a micro-cap market capitalization.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 10 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 81.04 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 12.00 <BR>Dividend Yield: 3.97% <BR>Debt Equity: 0.00 <BR>Return on Equity: 11.52% <BR>Price to Book: 1.33<BR><BR>Contact Details:<BR>Address: 201 S Fourth St, PO Box 10 MARTINS FERRY OH : 43935-0010 <BR>Tel: 1 740 6330445 <BR>Website: http://www.unitedbancorp.com

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Should I buy, sell or hold United Bancorp, Inc. (Ohio)?

22-Jun-2025

Who are in the management team of United Bancorp, Inc. (Ohio)?

22-Jun-2025

As of March 2022, the management team of United Bancorp, Inc. (Ohio) includes Richard Riesbeck (Chairman), Scott Everson (President and CEO), Gary Glessner (Director), and John Hoopingarner (Independent Director), who oversee the company's operations and strategy.

As of March 2022, the management team of United Bancorp, Inc. (Ohio) includes the following individuals:<BR><BR>- Richard Riesbeck, who serves as the Chairman of the Board.<BR>- Scott Everson, who is the President, Chief Executive Officer, and a Director.<BR>- Gary Glessner, who is a Director.<BR>- John Hoopingarner, who is an Independent Director. <BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

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Is United Bancorp, Inc. (Ohio) overvalued or undervalued?

20-Sep-2025

As of September 5, 2025, United Bancorp, Inc. is considered very attractive due to its undervalued metrics, including a P/E ratio of 12, despite recent declines in stock performance, with a year-to-date return of 4.38% compared to the S&P 500's 12.22%, but a 1-year return of 15.49% indicates potential for recovery.

As of 5 September 2025, the valuation grade for United Bancorp, Inc. (Ohio) moved from expensive to very attractive, indicating a significant improvement in its perceived value. The company appears undervalued based on its current metrics, with a P/E ratio of 12, a Price to Book Value of 1.36, and an EV to EBITDA ratio of 25.50. In comparison, Investar Holding Corp. has a P/E of 9.99, while Citizens Community Bancorp, Inc. stands at 13.08, highlighting United Bancorp's relative attractiveness in the market.<BR><BR>Despite recent stock performance showing a decline of 5.83% over the past week and 4.77% over the past month, the company has delivered a YTD return of 4.38%, which is significantly lower than the S&P 500's 12.22%. Over the longer term, however, United Bancorp's 1-year return of 15.49% is close to the S&P 500's 17.14%, suggesting potential for recovery and growth.

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Is United Bancorp, Inc. (Ohio) technically bullish or bearish?

20-Sep-2025

As of September 12, 2025, United Bancorp, Inc. (Ohio) shows a mildly bullish technical trend, with mixed indicators across weekly and monthly charts, while underperforming the S&P 500 recently but outperforming it year-to-date.

As of 12 September 2025, the technical trend for United Bancorp, Inc. (Ohio) has changed from bullish to mildly bullish. The weekly MACD and KST are both mildly bearish, while the monthly indicators show bullish signals. The daily moving averages indicate a mildly bullish stance. The Bollinger Bands reflect a bearish outlook on the weekly chart but are mildly bullish on the monthly chart. Overall, the current technical stance is mildly bullish, supported by the monthly bullish signals despite some bearish indicators on the weekly timeframe. <BR><BR>In terms of performance, the stock has underperformed compared to the S&P 500 over the past week and month, with returns of -5.83% and -4.77% respectively, while the S&P 500 gained 1.05% and 2.33%. However, the stock has outperformed the S&P 500 year-to-date with a return of 4.38% compared to 12.22%.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

  • A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2

Flat results in Jun 25

3

With ROA of 0.59%, it has a very attractive valuation with a 1.36 Price to Book Value

4

Falling Participation by Institutional Investors

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 88 Million (Micro Cap)

stock-summary
P/E

12.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

3.66%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

11.88%

stock-summary
Price to Book

1.47

Revenue and Profits:
Net Sales:
10 Million
(Quarterly Results - Jun 2025)
Net Profit:
2 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-9.02%
0%
-9.02%
6 Months
-0.77%
0%
-0.77%
1 Year
-3.41%
0%
-3.41%
2 Years
21.64%
0%
21.64%
3 Years
-9.02%
0%
-9.02%
4 Years
-13.13%
0%
-13.13%
5 Years
4.22%
0%
4.22%

United Bancorp, Inc. (Ohio) for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
7.28%
EBIT Growth (5y)
-0.31%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
55.30%
Pledged Shares
0
Institutional Holding
12.68%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.36
EV to EBIT
31.09
EV to EBITDA
25.50
EV to Capital Employed
1.14
EV to Sales
4.49
PEG Ratio
NA
Dividend Yield
3.81%
ROCE (Latest)
3.66%
ROE (Latest)
11.52%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 6 Schemes (3.23%)

Foreign Institutions

Held by 7 Foreign Institutions (0.35%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About United Bancorp, Inc. (Ohio) stock-summary
stock-summary
United Bancorp, Inc. (Ohio)
Regional Banks
United Bancorp, Inc. is a bank holding company. The Company has one subsidiary bank, The Citizens Savings Bank, Martins Ferry, Ohio (the Bank). The Bank operates two divisions for marketing purposes, The Community Bank, a division of The Citizens Savings Bank and The Citizens Bank, a division of The Citizens Savings Bank. The Bank serves customers in northeastern, eastern, southeastern and south central Ohio and is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The Bank provides a range of banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. The Bank offers brokerage service through LPL Financial member National Association Of Securities Dealers/Securities Investor Protection Corporation (NASD/SIPC).
Company Coordinates stock-summary
Company Details
201 S Fourth St, PO Box 10 MARTINS FERRY OH : 43935-0010
stock-summary
Tel: 1 740 63304451 740 6330445
stock-summary
Registrar Details