United Bancorp Inc (Martins Ferry, OH)UBCP
Price$14.79Intrinsic value$11.9619% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $41.5M+5.1% YoYTTM through 30 Jun 2026
Net Income $8M+7.7% YoYTTM through 30 Jun 2026
Free Cash Flow -$4.1MTTM through 30 Jun 2026

Margins

Current
Operating Margin18.5%
Net Margin18.7%

Returns

11.0%ROE
0.9%ROA
6.4%ROIC

Balance Sheet Health

Debt / Equity1.40x
Net Debt$52.3M
Cash & Equivalents$46.5M

Quality Metrics

Piotroski F-Score4 / 9
FCF Margin-9.9%

Multi-Year Trend

Diluted EPS$1.38TTM
'19'20'21'22'23'24'25
FY2025: $1.34

Dividend

$0.56Per share, FY20266.40%Yield-3.9%5-yr growth

Capital Allocation

Capex Intensity26.6%

Segment Performance

SegmentRevenueYoYOutlook
Banking
All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.