United Bancorp Statistics

Total Valuation

United Bancorp has a market cap or net worth of $82.27 million. The enterprise value is $185.19 million.

Market Cap	82.27M
Enterprise Value	185.19M

Important Dates

The last earnings date was Thursday, July 31, 2025.

Earnings Date	Jul 31, 2025
Ex-Dividend Date	Jun 10, 2025

Share Statistics

United Bancorp has 5.79 million shares outstanding. The number of shares has decreased by -0.40% in one year.

Current Share Class	5.79M
Shares Outstanding	5.79M
Shares Change (YoY)	-0.40%
Shares Change (QoQ)	-1.35%
Owned by Insiders (%)	8.41%
Owned by Institutions (%)	10.66%
Float	4.91M

Valuation Ratios

The trailing PE ratio is 11.18 and the forward PE ratio is 10.76.

PE Ratio	11.18
Forward PE	10.76
PS Ratio	2.60
Forward PS	n/a
PB Ratio	1.35
P/TBV Ratio	1.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	26.03
EV / Sales	6.16
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$238,409
Profits Per Employee	$56,472
Employee Count	126
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-134,214
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +17.45% in the last 52 weeks. The beta is 0.41, so United Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	+17.45%
50-Day Moving Average	14.04
200-Day Moving Average	13.33
Relative Strength Index (RSI)	52.72
Average Volume (20 Days)	1,449

Short Selling Information

The latest short interest is 15,965, so 0.28% of the outstanding shares have been sold short.

Short Interest	15,965
Short Previous Month	17,358
Short % of Shares Out	0.28%
Short % of Float	0.32%
Short Ratio (days to cover)	6.73

Income Statement

In the last 12 months, United Bancorp had revenue of $30.04 million and earned $7.12 million in profits. Earnings per share was $1.27.

Revenue	30.04M
Gross Profit	30.04M
Operating Income	7.84M
Pretax Income	9.63M
Net Income	7.12M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.27

Full Income Statement

Balance Sheet

The company has $36.40 million in cash and $139.32 million in debt, giving a net cash position of -$102.92 million or -$17.76 per share.

Cash & Cash Equivalents	36.40M
Total Debt	139.32M
Net Cash	-102.92M
Net Cash Per Share	-$17.76
Equity (Book Value)	60.80M
Book Value Per Share	10.49
Working Capital	n/a

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	26.11%
Pretax Margin	24.37%
Profit Margin	24.82%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 6.44%.

Dividend Per Share	$0.92
Dividend Yield	6.44%
Dividend Growth (YoY)	7.78%
Years of Dividend Growth	5
Payout Ratio	70.88%
Buyback Yield	0.40%
Shareholder Yield	6.84%
Earnings Yield	8.65%
FCF Yield	n/a

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 29, 2006. It was a forward split with a ratio of 1.1:1.

Last Split Date	Nov 29, 2006
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	1