United Bancorp, Inc. (UBCP) Stock: Dividends & Earnings

Company Overview:

Market Cap: $79.30M

Trailing PE: —

FWD PE: —

Payout Ratio (TTM): 70.3%

52-Week Range: $12.82 - $17.34

10 Year UBCP Performance Metrics:

Total Return (with DRIP): 127.6% (8.57% CAGR)

Total Return (no DRIP): 98.4% (7.09% CAGR)

Share Price: 33.0% (2.89% CAGR)

Yield on Cost (with DRIP): 12.35%

Total Invested: $10,000

Total Value (with DRIP): $22,757

Total Return $ (with DRIP): $12,757

Dividend Increase: 79.5% (6.18% CAGR)

Dividend Yield (FWD): 5.43% ($0.79)

UBCP 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

UBCP Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

UBCP Price CAGR:1Y: 12.00%2Y: 6.45%5Y: -0.79%10Y: 2.89%

UBCP Dividend Charts

UBCP - Dividends

UBCP Dividend CAGR:1Y: 5.33%2Y: 5.48%5Y: 6.01%10Y: 6.03%

UBCP - Dividend Payout Ratio

UBCP Dividend Payout Ratio CAGR:1Y: -3.80%2Y: -3.74%5Y: 5.76%10Y: -0.84%

UBCP - Dividend to Free Cash Flow Ratio

UBCP Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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UBCP - Chart 1

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UBCP - Chart 3

UBCP Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue

UBCP Revenue CAGR:1Y: -26.95%2Y: -11.72%5Y: 5.17%10Y: 6.39%

Earnings Per Share (EPS)

UBCP EPS CAGR:1Y: 9.09%2Y: 9.54%5Y: -1.08%10Y: 7.18%

Net Income

UBCP Net Income CAGR:1Y: 9.43%2Y: 9.76%5Y: 0.28%10Y: 8.90%

EBITDA

UBCP EBITDA CAGR:1Y: -8.86%2Y: 8.39%5Y: -9.54%10Y: 0.63%

Free Cash Flow

UBCP Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Free Cash Flow / Share

UBCP Free Cash Flow / Share CAGR:1Y: 104.35%2Y: 0.00%5Y: 10.69%10Y: 16.24%

Operating Income

UBCP Operating Income CAGR:1Y: 6.38%2Y: 13.07%5Y: -7.69%10Y: 4.75%

Gross Profit

UBCP Gross Profit CAGR:1Y: 9.21%2Y: 8.01%5Y: 0.00%10Y: 0.00%

Shares Outstanding

UBCP Shares Outstanding CAGR:1Y: -0.32%2Y: -1.40%5Y: -0.02%10Y: 0.91%

Share Buybacks

UBCP Share Buybacks CAGR:1Y: 327.50%2Y: 226.92%5Y: 0.00%10Y: 0.00%

Stock-Based Comp

UBCP Stock-Based Comp CAGR:1Y: 12.50%2Y: -14.99%5Y: -0.79%10Y: 1.07%

Expenses

UBCP Expenses CAGR:1Y: -11.78%2Y: 90.03%5Y: 51.99%10Y: 9.67%

Revenue vs Net Income

EPS vs FCF / Share

EPS vs PE Ratio

FCF vs FCF / Share

FCF vs Stock Based Comp

Cash & Debt

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates

UBCP Actual Revenue CAGR:1Y: -26.95%2Y: -11.72%5Y: 5.17%10Y: 6.39%

EPS: Actual + Estimates

UBCP Actual EPS CAGR:1Y: 9.09%2Y: 9.54%5Y: -1.08%10Y: 7.18%

NET INCOME: Actual + Estimates

UBCP Actual Net Income CAGR:1Y: 9.43%2Y: 9.76%5Y: 0.28%10Y: 8.90%

EBITDA: Actual + Estimates

UBCP Actual EBITDA CAGR:1Y: -8.86%2Y: 8.39%5Y: -9.54%10Y: 0.63%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin

UBCP Net Profit Margin CAGR:1Y: 6.29%2Y: 4.72%5Y: -10.98%10Y: -1.09%

Gross Profit Margin

UBCP Gross Profit Margin CAGR:1Y: 6.07%2Y: 3.06%5Y: -6.91%10Y: -3.51%

Price to Earnings

UBCP Price to Earnings CAGR:1Y: -4.89%2Y: 0.86%5Y: 2.02%10Y: -2.46%

Price To Sales Ratio

UBCP Price To Sales Ratio CAGR:1Y: 6.03%2Y: 5.25%5Y: -9.31%10Y: -3.60%

Return on Capital Employed

UBCP Return on Capital Employed CAGR:1Y: -78.77%2Y: -49.66%5Y: -10.64%10Y: -2.68%

Return on Invested Capital

UBCP Return on Invested Capital CAGR:1Y: -74.87%2Y: -48.22%5Y: -37.12%10Y: -13.58%

UBCP Dividends Info:

Annual Dividend: $0.79

Forward Yield: 5.43%

Ex-Dividend Date: 2026-09-10

Lifetime Dividends / Share: $15.96

Dividend Safety RatingUnlock Full UBCP dividend report »

Projected Future Returns & Dividends for UBCP

Based on past 10-year performance, here are UBCP growth metrics:

Share price CAGR of +2.89%
Dividend CAGR of +6.04%

Using UBCP CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	UBCP (DRIP)	UBCP - No DRIP
Current Price	$14.56	$14.56
Start Shares	686.81	686.81
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	1,275.29	686.81
Dividends Payment	$0.35	$0.35
Annual Dividends	$1,811	$975
Yield on cost	18.11%	9.75%
Share Price	$19.36	$19.36
Total Dividends	$9,983	$7,165
Final Value	$24,690	$20,461

Estimated Future Value + Dividends - UBCP

NOTE: Above numbers are our estimate based on UBCP's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Company Info

United Bancorp, Inc. (UBCP) had its IPO on 1993-03-02, and is traded on NASDAQ stock exchange.

United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.

UBCP website: https://www.unitedbancorp.com

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DCF Model — UBCP

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $14.56

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

United Bancorp, Inc. UBCP | NASDAQ