Price (delayed)
$11.9
Market cap
$70.82M
P/E Ratio
7.99
Dividend/share
$0.67
EPS
$1.49
Enterprise value
$165.32M
United Bancorp, Inc. is headquartered in Martins Ferry, Ohio and has total assets of $621.0 million and total shareholder's equity of $53.8 million as of March 31, 2019. Through its
Highlights
UBCP's P/E is 17% below its 5-year quarterly average of 9.6 and 3.7% below its last 4 quarters average of 8.3
United Bancorp's debt has increased by 8% YoY but it has decreased by 5% from the previous quarter
United Bancorp's equity has decreased by 4.1% QoQ but it has increased by 3.7% YoY
United Bancorp's net income has decreased by 6% from the previous quarter and by 3% YoY
The EPS has declined by 6% since the previous quarter and by 2.6% year-on-year
Key stats
What are the main financial stats of UBCP
Market
Valuations
Earnings
Shares outstanding
5.95M
Market cap
$70.82M
Enterprise value
$165.32M
Price to earnings (P/E)
7.99
Price to book (P/B)
1.17
Price to sales (P/S)
2.39
EV/EBIT
18.79
EV/EBITDA
16.84
EV/Sales
5.58
Revenue
$29.63M
EBIT
$8.8M
EBITDA
$9.82M
Free cash flow
$3.99M
Per share
Balance sheet
Liquidity
EPS
$1.49
Free cash flow per share
$0.67
Book value per share
$10.18
Revenue per share
$4.98
TBVPS
$137.88
Total assets
$821.82M
Total liabilities
$761.22M
Debt
$132.07M
Equity
$60.6M
Working capital
N/A
Debt to equity
2.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.63
Margins
Efficiency
Dividend
EBITDA margin
33.1%
Gross margin
100%
Net margin
28.7%
Operating margin
29.7%
Return on assets
1%
Return on equity
14.2%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29.7%
Dividend yield
5.66%
DPS
$0.67
Payout ratio
45.2%
UBCP stock price
How has the United Bancorp stock price performed over time
Intraday
0%
1 week
-1.65%
1 month
0.59%
1 year
3.3%
YTD
-7.32%
QTD
-5.18%
Financial performance
How have United Bancorp's revenue and profit performed over time
Revenue
$29.63M
Gross profit
$29.63M
Operating income
$8.8M
Net income
$8.51M
Gross margin
100%
Net margin
28.7%
The operating income has contracted by 9% from the previous quarter and by 7% YoY
The operating margin has contracted by 8% from the previous quarter and by 6% YoY
United Bancorp's net income has decreased by 6% from the previous quarter and by 3% YoY
United Bancorp's net margin has decreased by 5% from the previous quarter and by 2% YoY
Growth
What is United Bancorp's growth rate over time
Valuation
What is United Bancorp stock price valuation
P/E
7.99
P/B
1.17
P/S
2.39
EV/EBIT
18.79
EV/EBITDA
16.84
EV/Sales
5.58
UBCP's P/E is 17% below its 5-year quarterly average of 9.6 and 3.7% below its last 4 quarters average of 8.3
The EPS has declined by 6% since the previous quarter and by 2.6% year-on-year
UBCP's price to book (P/B) is 10% lower than its 5-year quarterly average of 1.3 and 2.5% lower than its last 4 quarters average of 1.2
United Bancorp's equity has decreased by 4.1% QoQ but it has increased by 3.7% YoY
UBCP's P/S is 18% below its 5-year quarterly average of 2.9 and 4.4% below its last 4 quarters average of 2.5
Efficiency
How efficient is United Bancorp business performance
United Bancorp's ROIC has decreased by 17% YoY and by 9% from the previous quarter
United Bancorp's return on assets has decreased by 9% QoQ and by 9% YoY
The return on sales has declined by 8% since the previous quarter and by 6% year-on-year
UBCP's return on equity is down by 7% since the previous quarter and by 7% year-on-year
Dividends
What is UBCP's dividend history
DPS
$0.67
Dividend yield
5.66%
Payout ratio
45.2%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did United Bancorp financials performed over time
The company's total assets is 8% higher than its total liabilities
United Bancorp's debt is 118% more than its equity
United Bancorp's debt has increased by 8% YoY but it has decreased by 5% from the previous quarter
The debt to equity has increased by 3.8% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.