UBCP Stock Forecast, Price Targets, Chart, Dividends & Analysis
United Bancorp Inc.
UBCP 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
12.50
USD
-0.58
(-4.43%)
Previous close: 13.08 Open: 13.1 Bid: 12.44 Ask: 14.7
52 week range
11.40 15.50
Mkt Cap: 81 M Avg Vol (90 Days): 8,038
Last updated: Friday 20th December 2024
Metrics
Valuation
Price per Sales TTM ($) | 2.70 |
Price per Book TTM ($) | 1.21 |
PE Ratio (TTM) | 9.88 |
Book Value per Share ($) | 11.31 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -9.49% | |
1 Month Return | 0.73% | |
3 Month Return | -3.99% | |
1 Year Return | -1.76% | |
3 Year Return | -5.95% | |
5 Year Return | 13.50% | |
YTD Return | -2.65% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 41.20 |
14 Day SMA ($) | 13.83 |
14 Day EMA ($) | 13.56 |
Money Flow Index | 73.25 |
Average True Range | 0.78 |
50 Day SMA ($) | 13.18 |
200 Day SMA ($) | 12.72 |
ADX | 0.00 |
MACD | 0.43 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Profitability
Financials
UBCP Income Statement
Annual
| Dec-13 | Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amortization of intangibles | -119000.0 | -119000.0 | -66000.0 | |||||||
| Basic EPS from continuing operations | 0.53 | 0.54 | 0.65 | 0.72 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 | 1.57 |
| Basic EPS total | 0.53 | 0.54 | 0.65 | 0.72 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 | 1.57 |
| Basic weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 6 M | 5 M | 5 M | 5 M |
| CreditLossesProvision | 1 M | 888000.0 | 553000.0 | 301000.0 | 100000.0 | 297000.0 | 908000.0 | 1 M | 955000.0 | |
| Depreciation | -981000.0 | -960000.0 | -934000.0 | -819000.0 | 1 M | 1 M | 997000.0 | |||
| Depreciation unreconciled | 119000.0 | 119000.0 | 66000.0 | 150000.0 | 150000.0 | 150000.0 | ||||
| DepreciationAndAmortization | 119000.0 | 119000.0 | 66000.0 | -819000.0 | 150000.0 | 150000.0 | 150000.0 | |||
| Diluted EPS total | 0.53 | 0.53 | 0.64 | 0.71 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 | 1.57 |
| Diluted normalized net income/share | 0.53 | 0.53 | 0.64 | 0.71 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 | 1.57 |
| Diluted weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 6 M | 5 M | 5 M | 5 M |
| Dividends paid per share | 0.69 | 0.63 | 0.67 | |||||||
| FeesAndCommissions | 2 M | 3 M | 3 M | 3 M | 3 M | |||||
| GeneralAndAdministrativeExpense | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 726000.0 | 766000.0 | 998000.0 |
| Income before tax | 3 M | 4 M | 5 M | 5 M | 6 M | 5 M | 7 M | 11 M | 10 M | 9 M |
| Income taxes | 652000.0 | 1 M | 2 M | 2 M | 2 M | 990000.0 | 674000.0 | 1 M | 879000.0 | 541000.0 |
| InsuranceAndClaims | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 726000.0 | 766000.0 | 998000.0 |
| Interest expense | -3 M | -2 M | -2 M | -2 M | -2 M | -3 M | -6 M | 3 M | 3 M | 11 M |
| InterestExpenseForDeposit | 2 M | 1 M | 1 M | 765000.0 | 1 M | 3 M | 5 M | 1 M | 2 M | 6 M |
| InterestExpenseForShortTermDebt | 1 M | 1 M | 1 M | 1 M | 545000.0 | 587000.0 | 1 M | 1 M | 2 M | 5 M |
| InterestIncome | 17 M | 16 M | 16 M | 17 M | 18 M | 21 M | 27 M | 25 M | 28 M | 37 M |
| InterestIncomeAfterProvisionForLoanLoss | 11 M | 12 M | 13 M | 14 M | 16 M | 18 M | 19 M | 21 M | 23 M | 26 M |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 129000.0 | 72000.0 | 61000.0 | 36000.0 | 151000.0 | 197000.0 | 333000.0 | 101000.0 | 493000.0 | 3 M |
| InterestIncomeFromInvestmentSecurities | 685000.0 | 513000.0 | 484000.0 | 406000.0 | 488000.0 | 2 M | 5 M | 4 M | 6 M | 9 M |
| InterestIncomeFromLoans | 16 M | 16 M | 15 M | 16 M | 17 M | 19 M | 22 M | 20 M | 21 M | 25 M |
| InterestIncomeFromLoansAndLease | 16 M | 16 M | 15 M | 16 M | 17 M | 19 M | 22 M | 20 M | 21 M | 25 M |
| InterestIncomeFromSecurities | 685000.0 | 513000.0 | 484000.0 | 406000.0 | 488000.0 | 2 M | 5 M | 4 M | 6 M | 9 M |
| Net income from total operations | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 9 M | 9 M | 9 M |
| NetIncomeCommonStockholders | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 9 M | 8 M | 9 M |
| NetIncomeContinuousOperations | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 9 M | 9 M | 9 M |
| NetInterestIncome | 13 M | 13 M | 13 M | 15 M | 16 M | 18 M | 20 M | 22 M | 24 M | 26 M |
| NonInterestExpense | -14 M | -13 M | -12 M | -13 M | -14 M | -16 M | -16 M | 18 M | 20 M | 21 M |
| NonInterestIncome | 4 M | 4 M | 4 M | 4 M | 3 M | 4 M | 4 M | 6 M | 4 M | 4 M |
| NonRecurringOperationExpense | -935000.0 | -35000.0 | -29000.0 | |||||||
| Normalized income | 5 M | 7 M | ||||||||
| Other special charges | -3 M | -2 M | ||||||||
| OtherGandA | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 726000.0 | 766000.0 | 998000.0 |
| OtherInterestExpense | -3 M | -2 M | -2 M | -2 M | -2 M | -3 M | -6 M | -22 M | -24 M | -26 M |
| OtherInterestIncome | 219000.0 | 189000.0 | 212000.0 | 175000.0 | 209000.0 | 249000.0 | 211000.0 | 81000.0 | 139000.0 | 254000.0 |
| OtherNonInterestExpense | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 827000.0 | 2 M | 2 M |
| OtherNonInterestIncome | 865000.0 | 856000.0 | 823000.0 | 990000.0 | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M |
| ProfessionalExpenseAndContractServicesExpense | 843000.0 | 749000.0 | 679000.0 | 720000.0 | 825000.0 | 2 M | 1 M | 1 M | 1 M | 1 M |
| PromotionAndAdvertising | 403000.0 | 417000.0 | 300000.0 | 324000.0 | 426000.0 | 493000.0 | 383000.0 | 380000.0 | 346000.0 | 361000.0 |
| Revenue per share | 119000.0 | 119000.0 | 66000.0 | -279000.0 | -272000.0 | 150000.0 | 150000.0 | 150000.0 | ||
| SalariesAndWages | 7 M | 7 M | 6 M | 7 M | 7 M | 8 M | 9 M | 10 M | 10 M | 10 M |
| SecuritiesActivities | 562000.0 | 355000.0 | ||||||||
| Selling Gen & administrative expense | 10 M | 9 M | 9 M | 10 M | 10 M | 11 M | 12 M | 11 M | 12 M | 12 M |
| SellingAndMarketingExpense | 600000.0 | 602000.0 | 442000.0 | 441000.0 | 538000.0 | 658000.0 | 519000.0 | 495000.0 | 456000.0 | 474000.0 |
| ServiceChargeOnDepositorAccounts | 2 M | 3 M | 3 M | 3 M | 3 M | |||||
| Special income/charges | -1 M | -2 M | -2 M | -2 M | -2 M | -3 M | -3 M | -827000.0 | -2 M | -2 M |
| Total common shares outstanding | 5 M | 5 M | 5 M | 5 M | 6 M | 6 M | 6 M | 6 M | 6 M | |
| Total net income | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 9 M | 9 M | 9 M |
| Total ordinary shares | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M | 6 M |
| Total revenues | 17 M | 17 M | 17 M | 18 M | 19 M | 22 M | 24 M | 28 M | 28 M | 30 M |
| TotalRevenue | 17 M | 17 M | 17 M | 18 M | 19 M | 22 M | 24 M | 28 M | 28 M | 30 M |
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