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UBCP Quote, Financials, Valuation and Earnings

Last price:
$14.00
Seasonality move :
0.4%
Day range:
$13.23 - $14.30
52-week range:
$12.25 - $15.64
Dividend yield:
5.37%
P/E ratio:
10.67x
P/S ratio:
1.66x
P/B ratio:
1.20x
Volume:
20.9K
Avg. volume:
5.9K
1-year change:
0.39%
Market cap:
$80.1M
Revenue:
$44M
EPS (TTM):
$1.30

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UBCP
United Bancorp, Inc. (Ohio)
-- -- -- -- $20.00
BHB
Bar Harbor Bankshares
$41.4M $0.83 -24.74% 22.79% $34.50
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
-- -- -- -- --
OPHC
OptimumBank Holdings, Inc.
-- -- -- -- $5.00
PRK
Park National Corp.
$140.1M $2.74 -13.63% 18.03% $180.33
TMP
Tompkins Financial Corp.
$87M $1.70 22.83% 24.5% $77.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UBCP
United Bancorp, Inc. (Ohio)
$13.86 $20.00 $80.1M 10.67x $0.19 5.37% 1.66x
BHB
Bar Harbor Bankshares
$32.90 $34.50 $549.1M 14.18x $0.32 3.83% 2.20x
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
$4.53 -- $414.4M 111.58x $0.25 0% 2.59x
OPHC
OptimumBank Holdings, Inc.
$4.33 $5.00 $49.9M 3.77x $0.00 0% 0.93x
PRK
Park National Corp.
$164.24 $180.33 $2.6B 15.14x $2.32 2.61% 4.03x
TMP
Tompkins Financial Corp.
$74.13 $77.00 $1.1B 12.57x $0.65 3.39% 2.28x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UBCP
United Bancorp, Inc. (Ohio)
68.91% 0.551 182.53% 0.00x
BHB
Bar Harbor Bankshares
26.95% 0.833 37.81% 0.00x
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
32.65% 1.058 44.45% 0.00x
OPHC
OptimumBank Holdings, Inc.
2.38% 0.312 5.84% 0.00x
PRK
Park National Corp.
6.69% 1.119 3.65% 0.00x
TMP
Tompkins Financial Corp.
39.99% 1.042 55.29% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UBCP
United Bancorp, Inc. (Ohio)
-- $1.9M 3.56% 11.4% 48.54% -$710K
BHB
Bar Harbor Bankshares
-- $10.8M 4.95% 7.61% 45.12% $18.1M
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
-- $7.5M 0.83% 1.31% 54.67% $5.7M
OPHC
OptimumBank Holdings, Inc.
-- $5.7M 12.2% 14.8% 59.75% $1.9M
PRK
Park National Corp.
-- $58.1M 11.44% 13.78% 50.75% $45.1M
TMP
Tompkins Financial Corp.
-- $31.1M 5.95% 11.34% 53.65% $33.9M

United Bancorp, Inc. (Ohio) vs. Competitors

  • Which has Higher Returns UBCP or BHB?

    Bar Harbor Bankshares has a net margin of 15.37% compared to United Bancorp, Inc. (Ohio)'s net margin of 13.32%. United Bancorp, Inc. (Ohio)'s return on equity of 11.4% beat Bar Harbor Bankshares's return on equity of 7.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    UBCP
    United Bancorp, Inc. (Ohio)
    -- $0.34 $213.8M
    BHB
    Bar Harbor Bankshares
    -- $0.54 $713.1M
  • What do Analysts Say About UBCP or BHB?

    United Bancorp, Inc. (Ohio) has a consensus price target of $20.00, signalling upside risk potential of 44.26%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $34.50 which suggests that it could grow by 4.86%. Given that United Bancorp, Inc. (Ohio) has higher upside potential than Bar Harbor Bankshares, analysts believe United Bancorp, Inc. (Ohio) is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    UBCP
    United Bancorp, Inc. (Ohio)
    1 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is UBCP or BHB More Risky?

    United Bancorp, Inc. (Ohio) has a beta of 0.407, which suggesting that the stock is 59.344% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.574%.

  • Which is a Better Dividend Stock UBCP or BHB?

    United Bancorp, Inc. (Ohio) has a quarterly dividend of $0.19 per share corresponding to a yield of 5.37%. Bar Harbor Bankshares offers a yield of 3.83% to investors and pays a quarterly dividend of $0.32 per share. United Bancorp, Inc. (Ohio) pays 55.3% of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UBCP or BHB?

    United Bancorp, Inc. (Ohio) quarterly revenues are $12M, which are smaller than Bar Harbor Bankshares quarterly revenues of $66.5M. United Bancorp, Inc. (Ohio)'s net income of $1.8M is lower than Bar Harbor Bankshares's net income of $8.9M. Notably, United Bancorp, Inc. (Ohio)'s price-to-earnings ratio is 10.67x while Bar Harbor Bankshares's PE ratio is 14.18x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Bancorp, Inc. (Ohio) is 1.66x versus 2.20x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBCP
    United Bancorp, Inc. (Ohio)
    1.66x 10.67x $12M $1.8M
    BHB
    Bar Harbor Bankshares
    2.20x 14.18x $66.5M $8.9M
  • Which has Higher Returns UBCP or BRBS?

    Blue Ridge Bankshares, Inc. (Virginia) has a net margin of 15.37% compared to United Bancorp, Inc. (Ohio)'s net margin of 14.05%. United Bancorp, Inc. (Ohio)'s return on equity of 11.4% beat Blue Ridge Bankshares, Inc. (Virginia)'s return on equity of 1.31%.

    Company Gross Margin Earnings Per Share Invested Capital
    UBCP
    United Bancorp, Inc. (Ohio)
    -- $0.34 $213.8M
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    -- $0.06 $527.8M
  • What do Analysts Say About UBCP or BRBS?

    United Bancorp, Inc. (Ohio) has a consensus price target of $20.00, signalling upside risk potential of 44.26%. On the other hand Blue Ridge Bankshares, Inc. (Virginia) has an analysts' consensus of -- which suggests that it could fall by --. Given that United Bancorp, Inc. (Ohio) has higher upside potential than Blue Ridge Bankshares, Inc. (Virginia), analysts believe United Bancorp, Inc. (Ohio) is more attractive than Blue Ridge Bankshares, Inc. (Virginia).

    Company Buy Ratings Hold Ratings Sell Ratings
    UBCP
    United Bancorp, Inc. (Ohio)
    1 0 0
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    0 0 0
  • Is UBCP or BRBS More Risky?

    United Bancorp, Inc. (Ohio) has a beta of 0.407, which suggesting that the stock is 59.344% less volatile than S&P 500. In comparison Blue Ridge Bankshares, Inc. (Virginia) has a beta of 0.898, suggesting its less volatile than the S&P 500 by 10.177%.

  • Which is a Better Dividend Stock UBCP or BRBS?

    United Bancorp, Inc. (Ohio) has a quarterly dividend of $0.19 per share corresponding to a yield of 5.37%. Blue Ridge Bankshares, Inc. (Virginia) offers a yield of 0% to investors and pays a quarterly dividend of $0.25 per share. United Bancorp, Inc. (Ohio) pays 55.3% of its earnings as a dividend. Blue Ridge Bankshares, Inc. (Virginia) pays out -- of its earnings as a dividend. United Bancorp, Inc. (Ohio)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UBCP or BRBS?

    United Bancorp, Inc. (Ohio) quarterly revenues are $12M, which are smaller than Blue Ridge Bankshares, Inc. (Virginia) quarterly revenues of $39.9M. United Bancorp, Inc. (Ohio)'s net income of $1.8M is lower than Blue Ridge Bankshares, Inc. (Virginia)'s net income of $5.6M. Notably, United Bancorp, Inc. (Ohio)'s price-to-earnings ratio is 10.67x while Blue Ridge Bankshares, Inc. (Virginia)'s PE ratio is 111.58x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Bancorp, Inc. (Ohio) is 1.66x versus 2.59x for Blue Ridge Bankshares, Inc. (Virginia). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBCP
    United Bancorp, Inc. (Ohio)
    1.66x 10.67x $12M $1.8M
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    2.59x 111.58x $39.9M $5.6M
  • Which has Higher Returns UBCP or OPHC?

    OptimumBank Holdings, Inc. has a net margin of 15.37% compared to United Bancorp, Inc. (Ohio)'s net margin of 23.62%. United Bancorp, Inc. (Ohio)'s return on equity of 11.4% beat OptimumBank Holdings, Inc.'s return on equity of 14.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    UBCP
    United Bancorp, Inc. (Ohio)
    -- $0.34 $213.8M
    OPHC
    OptimumBank Holdings, Inc.
    -- $0.18 $119.7M
  • What do Analysts Say About UBCP or OPHC?

    United Bancorp, Inc. (Ohio) has a consensus price target of $20.00, signalling upside risk potential of 44.26%. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 15.47%. Given that United Bancorp, Inc. (Ohio) has higher upside potential than OptimumBank Holdings, Inc., analysts believe United Bancorp, Inc. (Ohio) is more attractive than OptimumBank Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UBCP
    United Bancorp, Inc. (Ohio)
    1 0 0
    OPHC
    OptimumBank Holdings, Inc.
    0 1 0
  • Is UBCP or OPHC More Risky?

    United Bancorp, Inc. (Ohio) has a beta of 0.407, which suggesting that the stock is 59.344% less volatile than S&P 500. In comparison OptimumBank Holdings, Inc. has a beta of 0.287, suggesting its less volatile than the S&P 500 by 71.332%.

  • Which is a Better Dividend Stock UBCP or OPHC?

    United Bancorp, Inc. (Ohio) has a quarterly dividend of $0.19 per share corresponding to a yield of 5.37%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. United Bancorp, Inc. (Ohio) pays 55.3% of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend. United Bancorp, Inc. (Ohio)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UBCP or OPHC?

    United Bancorp, Inc. (Ohio) quarterly revenues are $12M, which are smaller than OptimumBank Holdings, Inc. quarterly revenues of $18.3M. United Bancorp, Inc. (Ohio)'s net income of $1.8M is lower than OptimumBank Holdings, Inc.'s net income of $4.3M. Notably, United Bancorp, Inc. (Ohio)'s price-to-earnings ratio is 10.67x while OptimumBank Holdings, Inc.'s PE ratio is 3.77x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Bancorp, Inc. (Ohio) is 1.66x versus 0.93x for OptimumBank Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBCP
    United Bancorp, Inc. (Ohio)
    1.66x 10.67x $12M $1.8M
    OPHC
    OptimumBank Holdings, Inc.
    0.93x 3.77x $18.3M $4.3M
  • Which has Higher Returns UBCP or PRK?

    Park National Corp. has a net margin of 15.37% compared to United Bancorp, Inc. (Ohio)'s net margin of 27.82%. United Bancorp, Inc. (Ohio)'s return on equity of 11.4% beat Park National Corp.'s return on equity of 13.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    UBCP
    United Bancorp, Inc. (Ohio)
    -- $0.34 $213.8M
    PRK
    Park National Corp.
    -- $2.92 $1.4B
  • What do Analysts Say About UBCP or PRK?

    United Bancorp, Inc. (Ohio) has a consensus price target of $20.00, signalling upside risk potential of 44.26%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 9.8%. Given that United Bancorp, Inc. (Ohio) has higher upside potential than Park National Corp., analysts believe United Bancorp, Inc. (Ohio) is more attractive than Park National Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    UBCP
    United Bancorp, Inc. (Ohio)
    1 0 0
    PRK
    Park National Corp.
    0 4 0
  • Is UBCP or PRK More Risky?

    United Bancorp, Inc. (Ohio) has a beta of 0.407, which suggesting that the stock is 59.344% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.

  • Which is a Better Dividend Stock UBCP or PRK?

    United Bancorp, Inc. (Ohio) has a quarterly dividend of $0.19 per share corresponding to a yield of 5.37%. Park National Corp. offers a yield of 2.61% to investors and pays a quarterly dividend of $2.32 per share. United Bancorp, Inc. (Ohio) pays 55.3% of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UBCP or PRK?

    United Bancorp, Inc. (Ohio) quarterly revenues are $12M, which are smaller than Park National Corp. quarterly revenues of $169.5M. United Bancorp, Inc. (Ohio)'s net income of $1.8M is lower than Park National Corp.'s net income of $47.2M. Notably, United Bancorp, Inc. (Ohio)'s price-to-earnings ratio is 10.67x while Park National Corp.'s PE ratio is 15.14x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Bancorp, Inc. (Ohio) is 1.66x versus 4.03x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBCP
    United Bancorp, Inc. (Ohio)
    1.66x 10.67x $12M $1.8M
    PRK
    Park National Corp.
    4.03x 15.14x $169.5M $47.2M
  • Which has Higher Returns UBCP or TMP?

    Tompkins Financial Corp. has a net margin of 15.37% compared to United Bancorp, Inc. (Ohio)'s net margin of 19.46%. United Bancorp, Inc. (Ohio)'s return on equity of 11.4% beat Tompkins Financial Corp.'s return on equity of 11.34%.

    Company Gross Margin Earnings Per Share Invested Capital
    UBCP
    United Bancorp, Inc. (Ohio)
    -- $0.34 $213.8M
    TMP
    Tompkins Financial Corp.
    -- $1.65 $1.3B
  • What do Analysts Say About UBCP or TMP?

    United Bancorp, Inc. (Ohio) has a consensus price target of $20.00, signalling upside risk potential of 44.26%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $77.00 which suggests that it could grow by 3.87%. Given that United Bancorp, Inc. (Ohio) has higher upside potential than Tompkins Financial Corp., analysts believe United Bancorp, Inc. (Ohio) is more attractive than Tompkins Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    UBCP
    United Bancorp, Inc. (Ohio)
    1 0 0
    TMP
    Tompkins Financial Corp.
    0 1 0
  • Is UBCP or TMP More Risky?

    United Bancorp, Inc. (Ohio) has a beta of 0.407, which suggesting that the stock is 59.344% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.

  • Which is a Better Dividend Stock UBCP or TMP?

    United Bancorp, Inc. (Ohio) has a quarterly dividend of $0.19 per share corresponding to a yield of 5.37%. Tompkins Financial Corp. offers a yield of 3.39% to investors and pays a quarterly dividend of $0.65 per share. United Bancorp, Inc. (Ohio) pays 55.3% of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UBCP or TMP?

    United Bancorp, Inc. (Ohio) quarterly revenues are $12M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. United Bancorp, Inc. (Ohio)'s net income of $1.8M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, United Bancorp, Inc. (Ohio)'s price-to-earnings ratio is 10.67x while Tompkins Financial Corp.'s PE ratio is 12.57x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Bancorp, Inc. (Ohio) is 1.66x versus 2.28x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBCP
    United Bancorp, Inc. (Ohio)
    1.66x 10.67x $12M $1.8M
    TMP
    Tompkins Financial Corp.
    2.28x 12.57x $121.7M $23.7M

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