United Bancorp, Inc.
UBCPFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 5, 2026
Scan Results
Daily timeframeUnited Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. At a $91.1M market cap, United Bancorp, Inc. ranks as a micro-cap company within financial services. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans.
Market Cap
$91.1M
Beta
0.35
P/E (TTM)
11.51
P/E (Fwd)
9.80
EPS (TTM)
$1.38
EPS (Fwd)
$1.62
ROE
12.1%
ROA
0.9%
Cash
$46.0M
Total Debt
$111.3M
Free CF
—
52W Change
7.6%
Annual Financials
Cash vs Debt
Where UBCP stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, UBCP finished 1.56% above its 150-day moving average ($15.34) and 5.13% above its 200-day moving average ($14.82). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UBCP overbought or oversold?
At the September 3, 2026 close, UBCP's RSI(14) was 49.9, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, UBCP has $46.0M in cash with $111.3M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 12.1% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $28.5M to $32.5M.
UBCP's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence United Bancorp, Inc.'s trajectory.