United Bancorp, Inc. (UBCP) Stock Score, Valuation & Financial Research
United Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 58/100.
Quick answer for UBCP
United Bancorp, Inc. currently has a Wall Street Score of 58/100. The stored market price is $15.72. Its financial score is 55/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What United Bancorp, Inc. does
United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.
UBCP financial snapshot
- Wall Street Score:
- 58/100
- Current price:
- $15.72
- Market capitalization:
- $90.9M
- Revenue:
- $47.8M
- Net income:
- $7.8M
- Free cash flow:
- $-1.8M
- Cash:
- $27.2M
- Total debt:
- $117.5M
- EPS:
- 1.41
- P/E ratio:
- 11.1x
- Financial score:
- 55/100
- Valuation score:
- 97/100
- Revenue score:
- 27/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $-1.8M, showing cash burn in the current stored period.
- The balance sheet shows $27.2M of cash versus $117.5M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 55/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research UBCP
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.