United Bancorp Inc /Oh/ - Understand $ubcp stock

$UBCP Market Cap: $82.26 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$29.44M

TTM

Gross Margin

Net Earnings

$7.942M

TTM

Current Assets

Current Liabilities

$42.53M

Q3 2024

Current Ratio

Total Assets

$825.5M

Q3 2024

Total Liabilities

$760.0M

Q3 2024

Book Value

$65.46M

Q3 2024

Cash

$37.78M

Q3 2024

P/E

10.36

Nov 29, 2024 EST

Free Cash Flow

-$265.0K

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Revenue	$36.85M	$27.66M	$24.71M	$27.63M		$21.32M	$17.65M	$16.64M		$16.38M	$17.03M
YoY Change	33.22%	11.95%	-10.57%			20.79%	6.11%			-3.81%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2018	2017	2016	2014	2013
Revenue	$36.85M	$27.66M	$24.71M	$27.63M	$21.32M	$17.65M	$16.64M	$16.38M	$17.03M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.147M	$1.163M	$1.290M	$1.310M	$1.190M	$970.0K	$920.0K	$820.0K	$1.000M	$1.080M	$1.100M	$1.070M	$1.080M	$930.0K	$870.0K	$610.0K	$490.0K	$610.0K	$620.0K	$810.0K	$930.0K	$880.0K	$900.0K	$900.0K	$770.0K	$640.0K	$660.0K	$650.0K	$440.0K	$490.0K	$450.0K	$390.0K	$290.0K
YoY Change	-1.38%	-9.84%	-1.53%	10.08%	22.68%	5.43%	12.2%	-18.0%	-7.41%	-1.82%	2.8%	-0.93%	16.13%	6.9%	42.62%	24.49%	-19.67%	-1.61%	-23.46%	-12.9%	5.68%	-2.22%	0.0%	16.88%	20.31%	-3.03%	1.54%	47.73%	-10.2%	8.89%	15.38%	34.48%	16.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2018	2017	2016	2014	2013	2012
Interest Expense	$11.01M	$3.273M	$2.596M	$4.734M	$3.178M	$1.764M	$1.784M	$2.467M	$3.033M	$3.861M
YoY Change	236.51%	26.08%	-45.16%		80.16%	-1.12%		-18.66%	-21.45%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Pretax Income	$9.491M	$9.536M	$10.68M	$8.582M	$7.410M	$5.082M	$5.590M	$5.160M	$4.558M	$3.574M	$2.968M	$2.944M	$3.950M	$2.770M	$3.420M	$4.720M	$2.920M	$2.310M	$4.200M	$4.100M	$4.540M	$4.210M	$3.690M	$3.470M	$4.160M	$4.240M	$3.820M	$3.450M	$3.010M	$2.500M	$2.210M	$2.060M	$1.640M
YoY Change	-0.47%	-10.72%	24.46%	15.82%	45.81%	-9.09%	8.33%	13.21%	27.53%	20.42%	0.82%	-25.47%	42.6%	-19.01%	-27.54%	61.64%	26.41%	-45.0%	2.44%	-9.69%	7.84%	14.09%	6.34%	-16.59%	-1.89%	10.99%	10.72%	14.62%	20.4%	13.12%	7.28%	25.61%	29.13%
Income Tax	$541.0K	$879.0K	$1.230M	$629.0K	$600.0K	$800.0K	$2.044M	$1.580M	$1.334M	$923.0K	$356.0K	$546.0K	$850.0K	$220.0K	$520.0K	$960.0K	$330.0K	$240.0K	$910.0K	$860.0K	$900.0K	$990.0K	$940.0K	$880.0K	$1.000M	$1.090M	$970.0K	$820.0K	$770.0K	$550.0K	$500.0K	$490.0K	$360.0K
% Of Pretax Income	5.7%	9.22%	11.52%	7.33%	8.1%	15.74%	36.57%	30.62%	29.27%	25.83%	11.99%	18.55%	21.52%	7.94%	15.2%	20.34%	11.3%	10.39%	21.67%	20.98%	19.82%	23.52%	25.47%	25.36%	24.04%	25.71%	25.39%	23.77%	25.58%	22.0%	22.62%	23.79%	21.95%
Net Earnings	$8.950M	$8.657M	$9.451M	$7.953M	$6.810M	$4.282M	$3.546M	$3.580M	$3.224M	$2.651M	$2.612M	$2.398M	$3.090M	$2.550M	$2.910M	$3.760M	$2.590M	$2.070M	$3.290M	$3.230M	$3.640M	$3.220M	$2.760M	$2.590M	$3.160M	$3.160M	$2.850M	$2.630M	$2.240M	$1.960M	$1.730M	$1.570M	$1.280M
YoY Change	3.38%	-8.4%	18.84%	16.78%	59.04%	20.76%	-0.95%	11.04%	21.61%	1.49%	8.92%	-22.39%	21.18%	-12.37%	-22.61%	45.17%	25.12%	-37.08%	1.86%	-11.26%	13.04%	16.67%	6.56%	-18.04%	0.0%	10.88%	8.37%	17.41%	14.29%	13.29%	10.19%	22.66%	19.63%
Net Earnings / Revenue	24.29%	31.3%	38.25%	28.79%		20.08%	20.09%	21.52%		16.19%	15.34%
Basic Earnings Per Share	$1.57	$1.50	$1.62	$1.39		$0.82	$0.71	$0.72	$0.65	$0.54	$0.53	$0.49
Diluted Earnings Per Share	$1.57	$1.50	$1.62	$1.39	$1.231M	$0.82	$0.71	$0.71	$0.64	$0.53	$0.53	$0.48	$643.8K	$540.3K	$628.5K	$817.4K	$568.0K	$454.9K	$713.7K	$697.6K	$776.1K	$675.1K	$570.2K	$525.4K	$630.7K	$628.2K	$567.7K	$527.1K	$535.9K	$468.9K	$413.9K	$375.6K	$306.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$14.98M	$12.14M	$12.80M	$13.70M	$12.40M	$12.10M	$11.70M	$11.90M	$10.40M	$10.10M	$10.70M	$10.40M	$9.800M	$9.300M	$8.700M	$8.500M	$7.100M	$7.300M	$7.600M	$7.800M	$8.200M	$8.900M	$9.100M	$9.500M	$9.000M	$7.000M	$6.500M	$5.200M	$4.900M	$4.900M	$4.800M	$4.800M	$4.000M
YoY Change	23.39%	-5.13%	-6.57%	10.48%	2.48%	3.42%	-1.68%	14.42%	2.97%	-5.61%	2.88%	6.12%	5.38%	6.9%	2.35%	19.72%	-2.74%	-3.95%	-2.56%	-4.88%	-7.87%	-2.2%	-4.21%	5.56%	28.57%	7.69%	25.0%	6.12%	0.0%	2.08%	0.0%	20.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments																$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.700M	$3.400M	$3.200M	$1.600M		$600.0K
YoY Change																						-100.0%	8.82%	6.25%	100.0%
Other Assets	$2.409M	$2.423M				$0.00	$300.0K	$900.0K	$500.0K	$500.0K	$700.0K	$900.0K	$900.0K	$800.0K	$300.0K	$500.0K	$200.0K	$700.0K
YoY Change	-0.58%					-100.0%	-66.67%	80.0%	0.0%	-28.57%	-22.22%	0.0%	12.5%	166.67%	-40.0%	150.0%	-71.43%
Total Long-Term Assets
YoY Change
Total Assets	$819.4M	$757.4M	$724.5M	$693.4M	$685.7M	$593.2M	$459.3M	$438.0M	$405.1M	$401.8M	$389.0M	$438.4M	$415.6M	$423.4M	$446.0M	$441.8M	$451.4M	$421.7M	$411.9M	$397.5M	$385.5M	$361.7M	$341.3M	$323.9M	$298.8M	$285.5M	$263.6M	$202.4M	$191.2M	$185.6M	$171.7M	$164.7M	$135.9M
YoY Change
Accounts Payable	$6.065M	$5.918M	$6.600M	$7.000M	$5.700M	$4.600M	$4.200M	$3.200M	$3.700M	$2.800M	$2.800M	$4.200M	$3.900M	$3.100M	$2.800M	$5.300M	$1.300M													$700.0K	$700.0K	$700.0K	$800.0K
YoY Change	2.48%	-10.33%	-5.71%	22.81%	23.91%	9.52%	31.25%	-13.51%	32.14%	0.0%	-33.33%	7.69%	25.81%	10.71%	-47.17%	307.69%														0.0%	0.0%	-12.5%
Accrued Expenses																		$1.800M	$1.500M	$1.600M										$100.0K	$200.0K	$200.0K	$300.0K
YoY Change																		20.0%	-6.25%											-50.0%	0.0%	-33.33%
Deferred Revenue
YoY Change
Short-Term Debt	$26.78M	$18.11M	$15.70M	$12.70M	$6.900M	$8.100M	$11.10M	$9.400M	$5.700M	$5.100M	$5.700M	$10.70M	$10.00M	$11.80M	$10.30M	$7.800M	$19.80M	$6.200M	$19.70M	$15.80M	$15.40M	$10.10M	$16.10M	$11.30M	$36.40M	$27.40M	$12.70M	$9.300M	$4.600M	$4.600M	$2.800M	$3.700M	$3.400M
YoY Change	47.91%	15.32%	23.62%	84.06%	-14.81%	-27.03%	18.09%	64.91%	11.76%	-10.53%	-46.73%	7.0%	-15.25%	14.56%	32.05%	-60.61%	219.35%	-68.53%	24.68%	2.6%	52.48%	-37.27%	42.48%	-68.96%	32.85%	115.75%	36.56%	102.17%	0.0%	64.29%	-24.32%	8.82%
Long-Term Debt Due	$93.00K
YoY Change
Total Short-Term Liabilities	$32.94M	$5.918M	$6.600M	$7.000M	$5.700M	$4.600M	$4.200M	$3.200M	$3.700M	$2.800M	$2.800M	$4.200M	$3.900M	$3.100M	$2.800M	$5.300M	$1.300M	$1.800M	$1.500M	$1.600M	$15.40M	$10.10M	$16.10M	$11.30M	$36.40M	$27.40M	$12.70M	$9.300M	$4.600M	$800.0K	$900.0K	$900.0K	$1.100M
YoY Change	456.59%	-10.33%	-5.71%	22.81%	23.91%	9.52%	31.25%	-13.51%	32.14%	0.0%	-33.33%	7.69%	25.81%	10.71%	-47.17%	307.69%	-27.78%	20.0%	-6.25%	-89.61%	52.48%	-37.27%	42.48%	-68.96%	32.85%	115.75%	36.56%	102.17%	475.0%	-11.11%	0.0%	-18.18%
Long-Term Debt	$26.46M	$23.73M	$23.70M	$23.60M	$23.50M	$4.100M	$4.100M	$4.100M	$4.100M	$4.100M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	11.51%	0.11%	0.42%	0.43%	473.17%	0.0%	0.0%	0.0%	0.0%	2.5%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities																$0.00	$3.000M	$2.900M	$0.00		$2.100M	$2.900M	$1.200M	$1.500M	$1.500M	$1.600M	$1.700M	$1.500M	$1.500M	$400.0K	$300.0K	$300.0K	$300.0K
YoY Change																-100.0%	3.45%				-27.59%	141.67%	-20.0%	0.0%	-6.25%	-5.88%	13.33%	0.0%	275.0%	33.33%	0.0%	0.0%
Total Long-Term Liabilities	$26.46M	$23.73M	$23.70M	$23.60M	$23.50M	$4.100M	$4.100M	$4.100M	$4.100M	$4.100M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$4.000M	$7.000M	$6.900M	$4.000M	$0.00	$2.100M	$2.900M	$1.200M	$1.500M	$1.500M	$1.600M	$1.700M	$1.500M	$1.500M	$400.0K	$300.0K	$300.0K	$300.0K
YoY Change	11.51%	0.11%	0.42%	0.43%	473.17%	0.0%	0.0%	0.0%	0.0%	2.5%	0.0%	0.0%	0.0%	0.0%	0.0%	-42.86%	1.45%	72.5%		-100.0%	-27.59%	141.67%	-20.0%	0.0%	-6.25%	-5.88%	13.33%	0.0%	275.0%	33.33%	0.0%	0.0%
Total Liabilities	$755.9M	$697.7M	$652.8M	$625.1M	$625.8M	$542.6M	$415.4M	$395.4M	$363.6M	$361.4M	$350.2M	$401.7M	$379.4M	$387.9M	$410.8M	$407.9M	$417.5M	$389.1M	$379.5M	$364.7M	$353.0M	$329.6M	$310.8M	$295.2M	$273.5M	$258.2M	$237.9M	$182.3M	$172.7M	$169.1M	$156.3M	$150.6M	$122.9M
YoY Change	8.34%	6.87%	4.43%	-0.11%	15.33%	30.62%	5.06%	8.75%	0.61%	3.2%	-12.82%	5.88%	-2.19%	-5.57%	0.71%	-2.3%	7.3%	2.53%	4.06%	3.31%	7.1%	6.05%	5.28%	7.93%	5.93%	8.53%	30.5%	5.56%	2.13%	8.19%	3.78%	22.54%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	5.490M	5.483M	5.477M	5.458M	4.952M	4.982M	4.908M shares	4.857M shares	4.846M shares	4.809M shares	4.781M shares
Diluted Shares Outstanding	5.490M	5.483M	5.477M	5.458M		4.986M shares	5.016M shares	4.933M shares	4.924M shares	4.871M shares	4.846M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $82.26 Million

About UNITED BANCORP INC /OH/

United Bancorp, Inc. is bank holding company, which engages in the provision of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties through its subsidiary, United Bank. The company is headquartered in Martins Ferry, Ohio and currently employs 115 full-time employees. The firm has one wholly owned subsidiary bank, Unified Bank, Martins Ferry, Ohio (the Bank). The Bank serves customers in northeastern, eastern, southeastern and south-central Ohio and the Northern panhandle of West Virginia and is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The bank also operates in Marshall County West Virginia. The Bank provides a range of banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. The Bank's loan portfolio includes commercial loans, commercial real estate loans, residential real estate loans and installment loans. The Bank conducts its business through its main office and standalone operations center in Martins Ferry, Ohio and about 18 branches located in the counties.

Industry: State Commercial Banks Peers: Affinity Bancshares, Inc. COMMUNITY BANCORP /VT JD BANCSHARES INC FIRST NATIONAL CORP /VA/ PNC FINANCIAL SERVICES GROUP, INC. QNB CORP UNION BANKSHARES INC