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Upturn AI SWOT - About
United Bancorp Inc (UBCP)
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Upturn Advisory Summary
08/13/2025: UBCP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -7.21% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 84.58M USD | Price to earnings Ratio 11.09 | 1Y Target Price 20 |
Price to earnings Ratio 11.09 | 1Y Target Price 20 | ||
Volume (30-day avg) 1 | Beta 0.41 | 52 Weeks Range 10.66 - 15.64 | Updated Date 08/15/2025 |
52 Weeks Range 10.66 - 15.64 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 5.11% | Basic EPS (TTM) 1.28 |
Earnings Date
Report Date 2025-08-07 | When After Market | Estimate - | Actual 0.33 |
Profitability
Profit Margin 24.82% | Operating Margin (TTM) 24.9% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 11.74% |
Valuation
Trailing PE 11.09 | Forward PE - | Enterprise Value 185192960 | Price to Sales(TTM) 2.82 |
Enterprise Value 185192960 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 2.78 | Enterprise Value to EBITDA - | Shares Outstanding 5956280 | Shares Floating 4912394 |
Shares Outstanding 5956280 | Shares Floating 4912394 | ||
Percent Insiders 14.88 | Percent Institutions 11.39 |
Upturn AI SWOT
United Bancorp Inc
Company Overview
History and Background
United Bancorp, Inc. is a bank holding company founded in 1902 and headquartered in Martins Ferry, Ohio. It operates primarily through its subsidiary, United Bank, offering a range of financial services to individuals and businesses in the Ohio Valley region. Over time, the company has grown through organic expansion and strategic acquisitions, focusing on community banking.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes. The focus is on serving the needs of local businesses in the Ohio Valley area.
- Retail Banking: Offers a variety of deposit products, loans (including mortgages), and other financial services to individual customers. United Bank emphasizes personalized service and community involvement.
- Wealth Management: Provides wealth management services, including trust and investment management, to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a community bank holding company, with various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers term loans, lines of credit, and other financing options for businesses. Market share data is not publicly available at a granular level for this specific product. Competitors include larger regional and national banks like Huntington Bancshares (HBAN) and PNC Financial Services (PNC).
- Mortgage Loans: Provides mortgage loans for residential properties. Market share data varies by local market and is fragmented. Competitors include national mortgage lenders like Rocket Companies (RKT) and local credit unions.
- Deposit Accounts: Offering checking and savings accounts to individuals and businesses. Competitors include: Chase Bank (JPM), Bank of America (BAC).
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing regulatory scrutiny, low interest rate environments, and competition from larger regional and national banks as well as fintech companies. Community banks face challenges in maintaining profitability while serving their local communities.
Positioning
United Bancorp Inc. is positioned as a community bank focused on serving the financial needs of individuals and businesses in the Ohio Valley region. Its competitive advantages include its local market knowledge, personalized service, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for community banking in the Ohio Valley region is estimated to be several billion dollars, encompassing loans, deposits, and other financial services. United Bancorp Inc. has a small share of this TAM, focusing on specific niches and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Personalized customer service
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited technology investment
Opportunities
- Expand into adjacent markets
- Increase market share in existing markets
- Leverage technology to improve efficiency and customer service
- Acquire smaller community banks
Threats
- Competition from larger banks and fintech companies
- Economic downturn in the Ohio Valley region
- Increasing regulatory burden
- Rising interest rates
Competitors and Market Share
Key Competitors
- HBAN
- PNC
- CMA
Competitive Landscape
United Bancorp Inc. faces intense competition from larger regional and national banks, as well as fintech companies. Its competitive advantage lies in its local market knowledge and personalized service.
Major Acquisitions
First Community Bancorp
- Year: 2020
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded market presence in a neighboring county.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been modest, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued moderate growth in revenue and earnings, driven by expansion into new markets and improved efficiency.
Recent Initiatives: Recent initiatives include investments in technology to enhance customer service and expand digital banking capabilities.
Summary
United Bancorp Inc. is a stable community bank with a strong local presence. Its focus on personalized service and conservative lending practices has contributed to consistent profitability. However, it faces challenges from larger competitors and the need to invest in technology to remain competitive. They need to look for innovative ways to grow the business to be competitive with the larger banking institutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Hypothetical)
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. All financial data is hypothetical and used for demonstration purposes. Actual results 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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