# United Bancorp Inc. (UBCP)

- Sector: Financials · Industry: Banks Regional
- SEC CIK: 0000731653 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000731653))
- Full page: https://inspectstocks.com/stocks/ubcp
- Data as of: price 2026-09-28; newest filing used 2026-08-12; latest fiscal period ended 2026-06-30

## Grade

**C** on the balance-sheet rubric used for lenders, 3 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $8M |  |
| Earnings growing overall | failed | $8M | $8.8M |
| Earnings growing recently | passed | $8M | $7.8M |
| Earns well on its assets | failed | 0.9% |  |
| Book value per share growing | passed | $12.84 | $10.89 |

Business quality (the + / − mark): 5 of 8 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 32.2% |  |
| Healthy profit margin | passed | 32.2% |  |
| Good return on equity | failed | 11.3% |  |
| Debt under control | passed | 0.04 |  |
| Turns sales into cash | failed | -16.6% |  |
| Earns a wide spread on lending | passed | 3.2% |  |
| Runs the bank efficiently | failed | 81.6% |  |
| Credit losses well covered | passed | 1.5% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Net income, trailing twelve months | $8M |
| Free cash flow, trailing twelve months | -$4.1M |
| Return on equity | 11.3% |
| Debt to equity | 0.04 |
| Diluted EPS, trailing twelve months | $1.38 |
| Share price | $14.88 |
| Market value | $85.3M |
| Price / earnings | 10.8x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/ubcp)
- [Financial statements](https://inspectstocks.com/stocks/ubcp/financials)
- [Competitors](https://inspectstocks.com/stocks/ubcp/peers)
- [Earnings](https://inspectstocks.com/stocks/ubcp/earnings)

---

Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.