📊 UBCP Key Takeaways
Is United Bancorp Inc. /Oh/ (UBCP) a Good Investment?
United Bancorp faces critical financial distress with interest coverage of 0.5x, indicating operating income cannot service debt obligations. Despite 56.8% revenue growth, net income growth lagged at 5.0%, and the company generated negative free cash flow of -$1.8M, signaling deteriorating operational efficiency and cash burn.
United Bancorp Inc. /Oh/ Key Strengths (UBCP)
- Strong revenue growth of 56.8% year-over-year
- Zero long-term debt with clean capital structure
- Positive net profit margin of 19.1%
UBCP Stock Risks: United Bancorp Inc. /Oh/ Investment Risks
- Interest coverage ratio of 0.5x - operating income insufficient to cover interest expenses (critical solvency risk)
- Negative free cash flow of -$1.8M with severe cash burn after capital expenditures
- Extremely low returns: ROA of 0.2% and ROE of 2.8% indicate minimal value generation on $858.5M asset base
- Quality of earnings deterioration: operating cash flow ($266K) vastly underperforms net income ($1.9M)
- Earnings growth decoupling from revenue - 56.8% top-line growth versus 5.0% net income growth signals margin compression
Key Metrics to Watch
- Interest coverage ratio - must improve to 1.5x+ for viability
- Free cash flow trend - persistent negative FCF unsustainable
- Return on Assets - current 0.2% indicates asset utilization dysfunction
- Operating cash flow quality - OCF to net income ratio needs normalization
United Bancorp Inc. /Oh/ (UBCP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UBCP Profit Margin, ROE & Profitability Analysis
UBCP vs Finance Sector: How United Bancorp Inc. /Oh/ Compares
How United Bancorp Inc. /Oh/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is United Bancorp Inc. /Oh/ Stock Overvalued? UBCP Valuation Analysis 2026
Based on fundamental analysis, United Bancorp Inc. /Oh/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
United Bancorp Inc. /Oh/ Balance Sheet: UBCP Debt, Cash & Liquidity
UBCP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: United Bancorp Inc. /Oh/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.35 reflects profitable operations.
UBCP Revenue Growth, EPS Growth & YoY Performance
UBCP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2021 | $645.0K | $1.3M | $0.36 |
| Q2 2021 | $671.0K | $1.6M | $0.29 |
| Q1 2021 | $592.0K | -$262.0K | $0.28 |
| Q3 2020 | $645.0K | $1.3M | $0.31 |
| Q2 2020 | $671.0K | $1.6M | $0.29 |
| Q1 2020 | $659.0K | $1.5M | $0.28 |
| Q3 2019 | $667.0K | $689.0K | $0.25 |
| Q2 2019 | $650.0K | $1.1M | $0.23 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
United Bancorp Inc. /Oh/ Dividends, Buybacks & Capital Allocation
UBCP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for United Bancorp Inc. /Oh/ (CIK: 0000731653)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UBCP
What is the AI rating for UBCP?
United Bancorp Inc. /Oh/ (UBCP) has an AI grade of D with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UBCP's key strengths?
Claude: Strong revenue growth of 56.8% year-over-year. Zero long-term debt with clean capital structure.
What are the risks of investing in UBCP?
Claude: Interest coverage ratio of 0.5x - operating income insufficient to cover interest expenses (critical solvency risk). Negative free cash flow of -$1.8M with severe cash burn after capital expenditures.
What is UBCP's revenue and growth?
United Bancorp Inc. /Oh/ reported revenue of $10.0M.
Does UBCP pay dividends?
United Bancorp Inc. /Oh/ pays dividends, with $2.2M distributed to shareholders in the trailing twelve months.
Where can I find UBCP SEC filings?
Official SEC filings for United Bancorp Inc. /Oh/ (CIK: 0000731653) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UBCP's EPS?
United Bancorp Inc. /Oh/ has a diluted EPS of $0.33.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UBCP's fundamental grade?
Based on our AI fundamental analysis in June 2026, United Bancorp Inc. /Oh/ has a D grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UBCP stock overvalued or undervalued?
Valuation metrics for UBCP: ROE of 2.8% (sector avg: 12%), net margin of 19.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UBCP's AI grade for 2026?
Our dual AI analysis gives United Bancorp Inc. /Oh/ a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UBCP's free cash flow?
United Bancorp Inc. /Oh/'s operating cash flow is $266.0K, with capital expenditures of $2.0M. FCF margin is -17.8%.
How does UBCP compare to other Finance stocks?
Vs Finance sector averages: Net margin 19.1% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).