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Upturn AI SWOT - About
UBCP 
United Bancorp Inc (UBCP)
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Upturn Advisory Summary
10/10/2025: UBCP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20
1 Year Target Price $20
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.03% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 76.56M USD | Price to earnings Ratio 10.44 | 1Y Target Price 20 |
Price to earnings Ratio 10.44 | 1Y Target Price 20 | ||
Volume (30-day avg) 1 | Beta 0.46 | 52 Weeks Range 11.27 - 15.44 | Updated Date 10/12/2025 |
52 Weeks Range 11.27 - 15.44 | Updated Date 10/12/2025 | ||
Dividends yield (FY) 5.49% | Basic EPS (TTM) 1.27 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.93% | Operating Margin (TTM) 26.58% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 12.4% |
Valuation
Trailing PE 10.44 | Forward PE - | Enterprise Value 164268384 | Price to Sales(TTM) 2.56 |
Enterprise Value 164268384 | Price to Sales(TTM) 2.56 | ||
Enterprise Value to Revenue 5.98 | Enterprise Value to EBITDA - | Shares Outstanding 5774011 | Shares Floating 4892377 |
Shares Outstanding 5774011 | Shares Floating 4892377 | ||
Percent Insiders 14.88 | Percent Institutions 11.43 |
Upturn AI SWOT
United Bancorp Inc
Company Overview
History and Background
United Bancorp, Inc. is a community bank holding company. It provides personal and commercial banking services through its subsidiary, The Ohio Valley Bank. Founded in 1872, it has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and business deposit accounts to businesses of various sizes.
- Retail Banking: Provides a range of retail banking services including checking and savings accounts, personal loans, mortgages, and investment products.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide funding for businesses to expand, invest in equipment, or manage working capital. Market share is difficult to pinpoint precisely due to the fragmented nature of the community banking market. Competitors include larger regional and national banks, as well as other community banks.
- Residential Mortgages: Offer financing for individuals to purchase homes. The market is highly competitive, with significant competition from national mortgage lenders and credit unions. Market share is granular and specific to its geographical operating region.
- Checking and Savings Accounts: Standard banking accounts for individuals and businesses. Competition is intense, ranging from traditional banks to online-only institutions.
Market Dynamics
Industry Overview
The banking industry is facing challenges from increased regulation, low interest rates, and competition from fintech companies. Consolidation is occurring as smaller banks seek economies of scale.
Positioning
United Bancorp Inc is a community bank focused on providing personalized service to local businesses and individuals. Their competitive advantage lies in their strong relationships with customers and their deep understanding of the local market.
Total Addressable Market (TAM)
The TAM includes all banking services within their operational footprint. Given the fragmented market, United Bancorp Inc is positioned to grow within this TAM by expanding its service offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Deep understanding of local market
- Experienced management team
- Sound financial performance
Weaknesses
- Limited geographic reach
- Small size compared to national banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Acquisition of other community banks
- Increased demand for wealth management services
- Technological innovation to streamline operations
Threats
- Increased competition from national banks
- Economic downturn in local markets
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- FRME
- BOKF
- TCBI
- PBCT
- CMA
Competitive Landscape
United Bancorp Inc faces intense competition from larger national and regional banks. Its advantages include its personalized service and local market expertise, but it is limited by its size and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on economic conditions, regulatory changes, and the company's ability to execute its growth strategy.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
United Bancorp Inc. is a community bank with a solid foundation in its local market, exhibiting strengths in customer relationships and market knowledge. However, its smaller size and limited geographic scope pose challenges. Future success depends on strategic growth initiatives and adaptation to technological advancements amidst a competitive banking landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share percentages are estimates. Actual market share data may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Bancorp Inc
Exchange NASDAQ | Headquaters Martins Ferry, OH, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman Mr. Scott A. Everson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 115 | Website https://www.unitedbancorp.com |
Full time employees 115 | Website https://www.unitedbancorp.com | ||
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers a range of banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
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