United Bancorp Inc. Common Stock (UBCP)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small Ohio community bank like United Bancorp through the lens of durable earnings and a sensible price. The bank is profitable: filed figures show FY2025 net income of $7.8M and diluted EPS of $1.34, versus $7.4M and $1.27 in FY2024 and $8.9M and $1.57 in FY2023. The latest reported quarter, fiscal Q2 2026 ended 2026-06-30, had net income of $2.1M and diluted EPS of $0.36, following $1.9M and $0.33 in fiscal Q1 2026. So the near-term trend is stable, but the longer five-year profit record is not: the Lynch category is SLOW GROWER — Shrinking, with profit down about 0.5% a year over five years. At the 2026-10-13 close of $14.65, FairStock calculates a P/E of 10.62, P/B of 1.17, ROE of 12.10%, dividend yield of 5.57%, beta of 0.33, PEG of 5.11, and Piotroski F-Score of 6/9. A 12.10% return on equity at slightly above book value is not demanding, and the dividend is generous. But 2.08% profit growth and a PEG above 5 say the price already reflects the modest growth. The balance sheet is the key unknown: CET1, net interest margin, and combined ratio are not in the data, so I cannot judge leverage or loan quality. For a 125-employee bank with an $84M market cap, the margin of safety is modest and the banking risks are real.

In plain English: United Bancorp is a small Ohio bank holding company that takes deposits and makes commercial, real estate, and consumer loans. It is consistently profitable, but growth has been slow and uneven, with yearly profit below where it was a few years ago. Around $14.65, the stock looks moderately priced rather than obviously cheap or expensive, and the high dividend is the main attraction.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer