United Bancorp Inc (Martins Ferry OH)
Research United Bancorp Inc (Martins Ferry OH) (UBCP) on Bullrun: valuation model: fairly valued, market cap USD 91.77M, P/E 11.6, dividend yield 6.0%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerUBCP
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signalfairly valued
- Market capUSD 91.77M
- P/E11.6
- Dividend yield6.0%
- Financial periodQ1 2026
- RevenueUSD 7.94M
- Net incomeUSD 1.91M
- Free cash flow-USD 1.78M
Valuation Snapshot
Bullrun's latest valuation model marks United Bancorp Inc (Martins Ferry OH) as fairly valued; latest market cap is USD 91.77M; P/E is 11.6; dividend yield is 6.0%.
Peer valuation comparison
Latest P/E is 11.62x versus a Financial Services sector median of 13.84x (16.0% below).
Latest dividend yield is 6% versus a Financial Services sector median of 3.86% (55.6% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 32.48M | USD 7.75M | -USD 1.32M | n/a | 1.34 | USD 46.53M | USD 101.87M | USD 70.52M |
| FY2024 | USD 29.26M | USD 7.40M | -USD 1.25M | n/a | 1.27 | USD 19.61M | USD 101.72M | USD 63.46M |
| FY2023 | n/a | USD 8.95M | USD 8.38M | n/a | 1.57 | USD 40.77M | USD 101.55M | USD 63.59M |
| FY2022 | n/a | USD 8.66M | USD 7.97M | n/a | 1.5 | USD 30.08M | USD 28.11M | USD 59.74M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 91.77M | 11.6 | 5.9% | 0.94 |
| 2025 | 2025-12-31 | USD 82.61M | 10.7 | 6.5% | 0.93 |
| 2024 | 2024-12-31 | USD 75.32M | 10.3 | 6.6% | 0.86 |
| 2023 | 2023-12-29 | USD 73.40M | 8.2 | 6.4% | 0.82 |
| 2022 | 2022-12-30 | USD 84.52M | 9.6 | 5.3% | 0.78 |
| 2021 | 2021-12-31 | USD 96.49M | 10.3 | 4.1% | 0.69 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.94 USD, yield 6.0%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.92 USD |
| FY2024 | 0.86 USD |
| FY2023 | 0.82 USD |
| FY2022 | 0.78 USD |
About United Bancorp Inc (Martins Ferry OH)
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
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Frequently asked questions
Is United Bancorp Inc (Martins Ferry OH) overvalued or undervalued?
Bullrun's valuation model currently marks United Bancorp Inc (Martins Ferry OH) as fairly valued.
What is United Bancorp Inc (Martins Ferry OH)'s market cap?
United Bancorp Inc (Martins Ferry OH)'s market capitalization is USD 91.77M.
What is United Bancorp Inc (Martins Ferry OH)'s P/E ratio?
United Bancorp Inc (Martins Ferry OH)'s price-to-earnings (P/E) ratio is 11.6.
Does United Bancorp Inc (Martins Ferry OH) pay a dividend?
United Bancorp Inc (Martins Ferry OH) has a dividend yield of 6.0%.
What does United Bancorp Inc (Martins Ferry OH) do?
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.