NEW Our free Dividend Tracker is live — see what your stocks pay you
Add your stocks and see every dividend they pay you — dates, amounts, and reinvested shares.
Start Free »

United Bancorp, Inc. UBCP | NASDAQ

$14.75 $0.00 | 0.00%
SIGNAL:Signal available — unlock to view |2026-09-24 |F&G 31 |RSI 36.7

Company Overview:

Market Cap: $84.60M
Trailing PE: 10.7x
FWD PE: —
Payout Ratio (TTM): 70.3%
52-Week Range: $12.55 - $17.34

10 Year UBCP Performance Metrics:

Total Return (with DRIP): 132.0% (8.78% CAGR)
Total Return (no DRIP): 101.4% (7.25% CAGR)
Share Price: 35.6% (3.09% CAGR)
Yield on Cost (with DRIP): 12.43%
Total Invested: $10,000
Total Value (with DRIP): $23,202
Total Return $ (with DRIP): $13,202
Dividend Increase: 79.5% (6.18% CAGR)
Dividend Yield (FWD): 5.36% ($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: 8.46%2Y: 5.99%5Y: -0.11%10Y: 3.07%
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: -48.33%2Y: 0.00%5Y: -4.17%10Y: -8.12%

Unlock All Reports & Research Dividend Stocks like a BOSS!

Save 25% with annual plan (3 Months Free)
PRO
$171 ($14.25/mo) $102.60/yr ($8.55/mo)
7-day free trial
  • Unlimited Portfolio Tracker
  • Portfolio - Lots/Sales/Dividends
  • Portfolio Auto-DRIP
  • Buy/Sell Signals Dashboard
  • Stock Fundamentals
  • Compare Stocks Side-by-Side
  • Revenue & EPS Estimates
  • DCF Valuation Modeling
Try it free for 7 days
You save $125.40 (55%)
Most Popular
PREMIUM
$288 ($24/mo) $172.80/yr ($14.40/mo)
7-day free trial
  • Everything in Pro
  • YieldMax PNL Tracker
  • YieldMax NAV Erosion Alerts
  • YM ETFs Trend Signals
  • 9/21 EMA Trend Signals
  • Stocks Dashboard
Try it free for 7 days
You save $211.20 (55%)
ULTRA
$576 ($48/mo) $345.60/yr ($28.80/mo)
7-day free trial
  • Everything in Premium
  • 15min & 1hr Intraday Signals
  • Group & weekly ETF estimates
  • YouTuber Mode
  • Trades summary + CSV export
  • Priority data & support
Try it free for 7 days
You save $422.40 (55%)

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

UBCP - Revenue
UBCP Revenue CAGR:1Y: 2.96%2Y: 4.80%5Y: 12.65%10Y: 10.10%
UBCP - Earnings Per Share (EPS)
UBCP EPS CAGR:1Y: 9.09%2Y: 9.54%5Y: -1.08%10Y: 7.18%
UBCP - Net Income
🔓 See the full chart40% off right now · 7-day free trial
UBCP Net Income CAGR:1Y: 9.41%2Y: 9.75%5Y: 0.28%10Y: 8.90%
UBCP - EBITDA
🔓 See the full chart40% off right now · 7-day free trial
UBCP EBITDA CAGR:1Y: -8.86%2Y: 8.39%5Y: -9.54%10Y: 0.63%
UBCP - Free Cash Flow
🔓 See the full chart40% off right now · 7-day free trial
UBCP Free Cash Flow CAGR:1Y: 103.69%2Y: 0.00%5Y: 10.67%10Y: 17.53%
UBCP - Free Cash Flow / Share
🔓 See the full chart40% off right now · 7-day free trial
UBCP Free Cash Flow / Share CAGR:1Y: 104.35%2Y: 0.00%5Y: 10.69%10Y: 16.24%
UBCP - Operating Income
🔓 See the full chart40% off right now · 7-day free trial
UBCP Operating Income CAGR:1Y: 6.38%2Y: 13.07%5Y: -7.69%10Y: 4.75%
UBCP - Gross Profit
🔓 See the full chart40% off right now · 7-day free trial
UBCP Gross Profit CAGR:1Y: 9.21%2Y: 8.01%5Y: 0.00%10Y: 0.00%
UBCP - Shares Outstanding
🔓 See the full chart40% off right now · 7-day free trial
UBCP Shares Outstanding CAGR:1Y: -0.32%2Y: -1.40%5Y: -0.02%10Y: 0.91%
UBCP - Share Buybacks
🔓 See the full chart40% off right now · 7-day free trial
UBCP Share Buybacks CAGR:1Y: 327.50%2Y: 226.92%5Y: 0.00%10Y: 0.00%
UBCP - Stock-Based Comp
🔓 See the full chart40% off right now · 7-day free trial
UBCP Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
UBCP - Expenses
🔓 See the full chart40% off right now · 7-day free trial
UBCP Expenses CAGR:1Y: -11.78%2Y: 90.03%5Y: 51.99%10Y: 9.67%
UBCP - Revenue vs Net Income
🔓 See the full chart40% off right now · 7-day free trial
UBCP - EPS vs FCF / Share
🔓 See the full chart40% off right now · 7-day free trial
UBCP - EPS vs PE Ratio
🔓 See the full chart40% off right now · 7-day free trial
UBCP - FCF vs FCF / Share
🔓 See the full chart40% off right now · 7-day free trial
UBCP - FCF vs Stock Based Comp
🔓 See the full chart40% off right now · 7-day free trial
UBCP - Cash & Debt
🔓 See the full chart40% off right now · 7-day free trial

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

UBCP - REVENUE: Actual + Estimates
🔓 See the full chart40% off right now · 7-day free trial
UBCP Actual Revenue CAGR:1Y: 2.96%2Y: 4.80%5Y: 12.65%10Y: 10.10%
UBCP - EPS: Actual + Estimates
🔓 See the full chart40% off right now · 7-day free trial
UBCP Actual EPS CAGR:1Y: 9.09%2Y: 9.54%5Y: -1.08%10Y: 7.18%
UBCP - NET INCOME: Actual + Estimates
🔓 See the full chart40% off right now · 7-day free trial
UBCP Actual Net Income CAGR:1Y: 9.41%2Y: 9.75%5Y: 0.28%10Y: 8.90%
UBCP - EBITDA: Actual + Estimates
🔓 See the full chart40% off right now · 7-day free trial
UBCP Actual EBITDA CAGR:1Y: -8.86%2Y: 8.39%5Y: -9.54%10Y: 0.63%

Ratios, Profit Margins & Return on Capital:

UBCP - Net Profit Margin
🔓 See the full chart40% off right now · 7-day free trial
UBCP Net Profit Margin CAGR:1Y: 6.29%2Y: 4.72%5Y: -10.98%10Y: -1.09%
UBCP - Gross Profit Margin
🔓 See the full chart40% off right now · 7-day free trial
UBCP Gross Profit Margin CAGR:1Y: 6.07%2Y: 3.06%5Y: -6.91%10Y: -3.51%
UBCP - Price to Earnings
🔓 See the full chart40% off right now · 7-day free trial
UBCP Price to Earnings CAGR:1Y: -4.89%2Y: 0.86%5Y: 2.02%10Y: -2.46%
UBCP - Price To Sales Ratio
🔓 See the full chart40% off right now · 7-day free trial
UBCP Price To Sales Ratio CAGR:1Y: 6.03%2Y: 5.25%5Y: -9.31%10Y: -3.60%
UBCP - Return on Capital Employed
🔓 See the full chart40% off right now · 7-day free trial
UBCP Return on Capital Employed CAGR:1Y: -78.77%2Y: -49.66%5Y: -10.64%10Y: -2.68%
UBCP - Return on Invested Capital
🔓 See the full chart40% off right now · 7-day free trial
UBCP Return on Invested Capital CAGR:1Y: -74.87%2Y: -48.22%5Y: -37.12%10Y: -13.58%

Compare stocks side-by-side

UBCP Dividends Info:

Annual Dividend: $0.79
Forward Yield: 5.36%
Ex-Dividend Date: 2026-09-10
Lifetime Dividends / Share: $15.96

UBCP Dividend History: Dates, Payments & Yield list

Below is a schedule of all UBCP dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
09/10/202609/14/2026$0.1985.04%5.13%$15.40
06/10/202606/12/2026$0.1954.93%4.99%$15.63
03/10/202603/12/2026$0.3689.48%9.73%$15.11
12/10/202512/12/2025$0.1905.56%5.48%$13.86
09/10/202509/12/2025$0.1885.11%5.35%$14.02
06/10/202506/12/2025$0.1855.54%5.45%$13.58
03/10/202503/12/2025$0.35811.12%10.97%$13.03
12/10/202412/12/2024$0.1805.07%5.21%$13.81
09/10/202409/12/2024$0.1785.86%5.97%$11.90
06/10/202406/12/2024$0.1756.09%5.84%$11.99
03/07/202403/11/2024$0.32310.73%10.71%$12.05
12/07/202312/11/2023$0.1706.18%6.15%$11.06
09/07/202309/11/2023$0.1685.71%5.83%$11.50
06/08/202306/12/2023$0.1655.63%5.67%$11.65
03/09/202303/13/2023$0.3138.52%9.83%$12.71
12/08/202212/20/2022$0.1604.24%4.24%$15.10
09/08/202209/20/2022$0.1583.99%3.77%$16.70
06/09/202206/17/2022$0.1553.73%3.73%$16.64
03/09/202203/18/2022$0.3037.19%7.09%$17.06
12/09/202112/20/2021$0.1503.81%3.85%$15.57
09/09/202109/20/2021$0.1483.87%3.87%$15.23
06/09/202106/18/2021$0.1453.76%3.87%$15.00
03/09/202103/19/2021$0.2436.51%6.71%$14.45
12/09/202012/18/2020$0.1434.37%4.52%$12.62
09/09/202009/18/2020$0.1434.5%4.76%$11.98
06/09/202006/19/2020$0.1434.46%4.7%$12.14
03/09/202003/20/2020$0.1434.52%5.93%$9.62
12/09/201912/20/2019$0.1404.2%4.03%$13.89
09/09/201909/20/2019$0.1384.84%4.64%$11.85
06/07/201906/20/2019$0.1354.73%4.63%$11.67
03/07/201903/20/2019$0.1334.93%4.84%$10.94
12/07/201812/20/2018$0.1806.05%6.09%$11.82
09/07/201809/20/2018$0.1303.87%3.91%$13.30
06/07/201806/20/2018$0.1303.71%3.91%$13.30
03/08/201803/20/2018$0.1304.32%4.03%$12.90
12/07/201712/20/2017$0.1705.6%5%$13.60
09/07/201709/20/2017$0.1203.97%4.09%$11.75
06/07/201706/20/2017$0.1103.79%3.7%$11.89
03/08/201703/20/2017$0.1103.48%3.52%$12.50
12/07/201612/20/2016$0.1604.81%4.83%$13.25
09/07/201609/20/2016$0.1104.19%4.07%$10.80
06/08/201606/20/2016$0.1004.04%4.1%$9.75
03/04/201603/18/2016$0.1004.37%4.26%$9.38
12/04/201512/18/2015$0.1506.38%6.32%$9.49
09/03/201509/18/2015$0.0904.33%3.3%$10.90
06/08/201506/19/2015$0.0904.24%4.24%$8.50
03/06/201503/20/2015$0.0904.48%4.55%$7.92
12/05/201412/19/2014$0.0904.37%4.4%$8.18
09/05/201409/19/2014$0.0803.91%3.92%$8.16
06/06/201406/20/2014$0.0804.06%3.86%$8.29
03/06/201403/20/2014$0.0803.84%3.86%$8.30
11/25/201312/20/2013$0.0804.34%4.26%$7.51
09/06/201309/20/2013$0.0704.06%4.22%$6.63
06/06/201306/20/2013$0.0703.99%3.97%$7.05
03/06/201303/20/2013$0.0704.15%3.84%$7.29
11/21/201212/20/2012$0.0704.44%4.2%$6.66
08/30/201209/20/2012$0.0703.69%3.83%$7.31
05/17/201206/20/2012$0.1405.96%6.05%$9.25
03/01/201203/20/2012$0.1406.19%6.13%$9.14
11/22/201112/20/2011$0.1406.76%6.47%$8.65
08/31/201109/20/2011$0.1406.41%6.48%$8.64
05/18/201106/20/2011$0.1406.39%6.34%$8.83
03/02/201103/18/2011$0.1406.43%6.87%$8.15
11/23/201012/20/2010$0.1406.81%6.72%$8.33
09/01/201009/20/2010$0.1407%6.83%$8.20
05/19/201006/18/2010$0.1406.59%6.69%$8.37
03/03/201003/19/2010$0.1406.7%6.65%$8.42
11/24/200912/18/2009$0.1407%6.91%$8.10
09/02/200909/18/2009$0.1406.59%6.6%$8.49
05/20/200906/19/2009$0.1406.47%6.63%$8.45
03/04/200903/20/2009$0.1407.48%6.85%$8.18
11/25/200812/19/2008$0.1406.39%6.22%$9.00
09/03/200809/19/2008$0.1405.79%5.74%$9.75
05/21/200806/20/2008$0.1304.95%5.28%$9.85
03/05/200803/20/2008$0.1305.39%5.56%$9.35
11/28/200712/20/2007$0.1304.91%5.05%$10.30
09/05/200709/20/2007$0.1304.59%4.87%$10.68
05/23/200706/20/2007$0.1305%4.89%$10.64
03/07/200703/20/2007$0.1305.01%4.96%$10.48
11/29/200612/20/2006$0.1184.18%4.72%$10.02
09/06/200609/20/2006$0.1184.84%4.79%$9.87
05/24/200606/20/2006$0.1184.62%4.78%$9.88
03/08/200603/20/2006$0.1184.8%4.69%$10.09
11/30/200512/20/2005$0.1073.74%3.97%$10.82
09/06/200509/20/2005$0.1184.49%4.55%$10.40
05/25/200506/20/2005$0.1184.39%4.58%$10.33
03/04/200503/18/2005$0.1183.95%3.89%$12.15
12/01/200412/20/2004$0.1183.42%3.89%$12.15
09/03/200409/20/2004$0.1073.97%3.94%$10.92
05/26/200406/18/2004$0.1073.51%3.8%$11.30
03/05/200403/19/2004$0.1073.58%3.58%$12.02
11/28/200312/19/2003$0.1073.51%3.2%$13.41
09/04/200309/19/2003$0.0984.15%4.1%$9.53
05/28/200306/20/2003$0.0984.27%4.18%$9.35
03/06/200303/20/2003$0.0983.88%4.17%$9.36
11/27/200212/20/2002$0.0983.95%4.12%$9.49
08/28/200209/20/2002$0.0934.43%4.08%$9.11
05/29/200206/20/2002$0.0934.41%4.43%$8.39
03/04/200203/20/2002$0.0934.04%4.32%$8.62
11/29/200112/20/2001$0.0934.01%4.36%$8.53
08/29/200109/20/2001$0.0894.4%4.09%$8.67
05/30/200106/20/2001$0.0894.78%4.44%$7.99
03/05/200103/20/2001$0.0895.58%5.45%$6.50
11/29/200012/20/2000$0.0895.04%5.2%$6.81
08/30/200009/20/2000$0.0845.33%5.2%$6.49
05/30/200006/20/2000$0.0844.4%5.65%$5.97
02/29/200003/20/2000$0.0844.69%4.23%$7.97
08/30/199909/20/1999$0.0803.16%3.14%$10.25
05/27/199906/18/1999$0.0773.33%3.12%$9.89
02/25/199903/19/1999$0.0772.53%2.5%$12.36
08/28/199809/18/1998$0.0712.25%2.21%$12.78
05/28/199806/19/1998$0.0711.71%2.02%$13.98
02/26/199803/20/1998$0.0711.63%1.96%$14.45
11/26/199712/19/1997$0.0712.22%2.07%$13.65
08/28/199709/19/1997$0.0712.82%2.59%$10.89
05/16/199706/20/1997$0.0592.41%2.77%$8.51
02/27/199703/20/1997$0.0592.3%2.13%$11.04
12/02/199612/20/1996$0.0592.48%2.34%$10.06
08/28/199609/20/1996$0.0592.59%2.61%$9.03
05/16/199606/20/1996$0.0543.14%2.84%$7.54
03/06/199603/20/1996$0.0593.03%3.74%$6.30
11/30/199512/20/1995$0.0593.23%3.09%$7.63
08/18/199509/08/1995$0.0592.66%2.93%$8.03
05/09/199506/09/1995$0.0542.46%2.28%$9.37
02/27/199503/10/1995$0.0542.55%2.35%$9.10
11/18/199412/09/1994$0.0432.06%1.45%$11.77
08/15/199409/09/1994$0.0431.46%1.56%$10.97
05/04/199406/10/1994$0.0431.98%1.45%$11.77
02/18/199403/10/1994$0.0431.77%1.52%$11.24
11/23/199312/10/1993$0.0211.19%0.86%$9.90
08/24/199309/10/1993$0.0402.5%2.5%$6.42
05/07/199306/10/1993$0.0402.58%2.5%$6.42

Projected Future Returns & Dividends for UBCP

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

Share price CAGR of +3.07%
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$14.75$14.75
Start Shares677.97677.97
Start Value$10,000$10,000
  
After 10 years:
Final Share Count1,242.69677.97
Dividends Payment$0.35$0.35
Annual Dividends$1,764$963
Yield on cost17.64%9.63%
Share Price$19.96$19.96
Total Dividends$9,792$7,072
Final Value$24,804$20,604

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.

Get the best Dividend Stock Research Tools:

Save 25% with annual plan (3 Months Free)
PRO
$171 ($14.25/mo) $102.60/yr ($8.55/mo)
7-day free trial
  • Unlimited Portfolio Tracker
  • Portfolio - Lots/Sales/Dividends
  • Portfolio Auto-DRIP
  • Buy/Sell Signals Dashboard
  • Stock Fundamentals
  • Compare Stocks Side-by-Side
  • Revenue & EPS Estimates
  • DCF Valuation Modeling
Try it free for 7 days
You save $125.40 (55%)
Most Popular
PREMIUM
$288 ($24/mo) $172.80/yr ($14.40/mo)
7-day free trial
  • Everything in Pro
  • YieldMax PNL Tracker
  • YieldMax NAV Erosion Alerts
  • YM ETFs Trend Signals
  • 9/21 EMA Trend Signals
  • Stocks Dashboard
Try it free for 7 days
You save $211.20 (55%)
ULTRA
$576 ($48/mo) $345.60/yr ($28.80/mo)
7-day free trial
  • Everything in Premium
  • 15min & 1hr Intraday Signals
  • Group & weekly ETF estimates
  • YouTuber Mode
  • Trades summary + CSV export
  • Priority data & support
Try it free for 7 days
You save $422.40 (55%)

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


Get Full Access to All Reports with DRIPCalc PRO

Save 25% with annual plan (3 Months Free)
PRO
$171 ($14.25/mo) $102.60/yr ($8.55/mo)
7-day free trial
  • Unlimited Portfolio Tracker
  • Portfolio - Lots/Sales/Dividends
  • Portfolio Auto-DRIP
  • Buy/Sell Signals Dashboard
  • Stock Fundamentals
  • Compare Stocks Side-by-Side
  • Revenue & EPS Estimates
  • DCF Valuation Modeling
Try it free for 7 days
You save $125.40 (55%)
Most Popular
PREMIUM
$288 ($24/mo) $172.80/yr ($14.40/mo)
7-day free trial
  • Everything in Pro
  • YieldMax PNL Tracker
  • YieldMax NAV Erosion Alerts
  • YM ETFs Trend Signals
  • 9/21 EMA Trend Signals
  • Stocks Dashboard
Try it free for 7 days
You save $211.20 (55%)
ULTRA
$576 ($48/mo) $345.60/yr ($28.80/mo)
7-day free trial
  • Everything in Premium
  • 15min & 1hr Intraday Signals
  • Group & weekly ETF estimates
  • YouTuber Mode
  • Trades summary + CSV export
  • Priority data & support
Try it free for 7 days
You save $422.40 (55%)
Loading signals…

DCF Model — UBCP

Value from:
Pay up to today
—
vs current price $14.75
—
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
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →