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UBCP United Bancorp Inc

Price (delayed)

$12.53

Market cap

$72.53M

P/E Ratio

9.08

Dividend/share

$0.68

EPS

$1.38

Enterprise value

$172.56M

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
United Bancorp's equity has increased by 24% YoY and by 8% QoQ
UBCP's P/E is 4.4% below its 5-year quarterly average of 9.5 but 3.2% above its last 4 quarters average of 8.8
The EPS has declined by 11% year-on-year and by 7% since the previous quarter
United Bancorp's net income has decreased by 10% YoY and by 7% from the previous quarter

Key stats

What are the main financial stats of UBCP
Market
Shares outstanding
5.79M
Market cap
$72.53M
Enterprise value
$172.56M
Valuations
Price to earnings (P/E)
9.08
Price to book (P/B)
1.14
Price to sales (P/S)
2.55
EV/EBIT
21.3
EV/EBITDA
18.56
EV/Sales
5.9
Earnings
Revenue
$29.23M
Gross profit
$29.23M
Net income
$7.94M
EBIT
$8.1M
EBITDA
$9.3M
Free cash flow
-$252,000
Per share
EPS
$1.38
EPS diluted
$1.38
Free cash flow per share
-$0.04
Book value per share
$11
Revenue per share
$4.91
TBVPS
$138.57
Balance sheet
Total assets
$825.48M
Total liabilities
$760.02M
Debt
$137.8M
Equity
$65.46M
Working capital
N/A
Liquidity
Debt to equity
2.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.76
Margins
EBITDA margin
31.8%
Gross margin
100%
Net margin
27.2%
Operating margin
27.7%
Efficiency
Return on assets
1%
Return on equity
12.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
27.7%
Dividend
Dividend yield
5.45%
DPS
$0.68
Payout ratio
49.5%

UBCP stock price

How has the United Bancorp stock price performed over time
Intraday
0.24%
1 week
-13.17%
1 month
1.7%
1 year
-6.84%
YTD
-2.41%
QTD
-4.57%

Financial performance

How have United Bancorp's revenue and profit performed over time
Revenue
$29.23M
Gross profit
$29.23M
Operating income
$8.1M
Net income
$7.94M
Gross margin
100%
Net margin
27.2%
The operating income has contracted by 14% YoY and by 8% from the previous quarter
The operating margin has contracted by 11% YoY and by 7% from the previous quarter
United Bancorp's net income has decreased by 10% YoY and by 7% from the previous quarter
United Bancorp's net margin has decreased by 7% YoY and by 5% from the previous quarter

Growth

What is United Bancorp's growth rate over time

Valuation

What is United Bancorp stock price valuation
P/E
9.08
P/B
1.14
P/S
2.55
EV/EBIT
21.3
EV/EBITDA
18.56
EV/Sales
5.9
The EPS has declined by 11% year-on-year and by 7% since the previous quarter
UBCP's P/E is 4.4% below its 5-year quarterly average of 9.5 but 3.2% above its last 4 quarters average of 8.8
United Bancorp's equity has increased by 24% YoY and by 8% QoQ
UBCP's price to book (P/B) is 12% lower than its 5-year quarterly average of 1.3 and 5% lower than its last 4 quarters average of 1.2
UBCP's P/S is 12% below its 5-year quarterly average of 2.9
The revenue has declined by 3.4% year-on-year

Efficiency

How efficient is United Bancorp business performance
United Bancorp's ROIC has decreased by 18% YoY and by 10% from the previous quarter
UBCP's return on equity is down by 18% year-on-year and by 11% since the previous quarter
The return on sales has declined by 11% year-on-year and by 7% since the previous quarter
United Bancorp's return on assets has decreased by 9% YoY

Dividends

What is UBCP's dividend history
DPS
$0.68
Dividend yield
5.45%
Payout ratio
49.5%
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 9% higher than its total liabilities
United Bancorp's debt is 111% more than its equity
United Bancorp's equity has increased by 24% YoY and by 8% QoQ
The debt to equity has declined by 13% year-on-year and by 3.2% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.