United Bancorp Inc.
UBCP 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
12.96
USD
0.01
(0.08%)
Optionable: No Market Cap: 74 M 90-day average vol: 4,068
Previous close: 12.95 Open: 12.9601 Bid: 12.26 Ask: 20.92
52 week range
9.70 15.50
Last updated: Thursday 25th April 2024
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Valuation
Price per Sales TTM ($) | 2.47 |
Price per Book TTM ($) | 1.23 |
PE Ratio (TTM) | 8.00 |
Book Value per Share ($) | 11.15 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | 1.57% | |
1 Month Return | -15.46% | |
3 Month Return | 6.44% | |
1 Year Return | 10.35% | |
3 Year Return | -2.13% | |
5 Year Return | 45.55% | |
YTD Return | 0.93% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 46.33 |
14 Day SMA ($) | 13.25 |
14 Day EMA ($) | 13.27 |
Money Flow Index | 67.05 |
Average True Range | 0.69 |
50 Day SMA ($) | 12.85 |
200 Day SMA ($) | 11.85 |
ADX | 0.00 |
MACD | 0.27 |
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-12 | Dec-13 | Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-21 | Dec-22 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amortization of intangibles | -119000.0 | -119000.0 | -119000.0 | -66000.0 | ||||||
| Basic EPS from continuing operations | 0.49 | 0.53 | 0.54 | 0.65 | 0.72 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 |
| Basic EPS total | 0.49 | 0.53 | 0.54 | 0.65 | 0.72 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 |
| Basic weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 6 M | 5 M | 5 M |
| CreditLossesProvision | 1 M | 1 M | 888000.0 | 553000.0 | 301000.0 | 100000.0 | 297000.0 | 908000.0 | 1 M | 955000.0 |
| Depreciation | -946000.0 | -981000.0 | -960000.0 | -934000.0 | -819000.0 | 1 M | 1 M | |||
| Depreciation unreconciled | 119000.0 | 119000.0 | 119000.0 | 66000.0 | 150000.0 | 150000.0 | ||||
| DepreciationAndAmortization | 119000.0 | 119000.0 | 119000.0 | 66000.0 | -819000.0 | 150000.0 | 150000.0 | |||
| Diluted EPS total | 0.48 | 0.53 | 0.53 | 0.64 | 0.71 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 |
| Diluted normalized net income/share | 0.48 | 0.53 | 0.53 | 0.64 | 0.71 | 0.71 | 0.82 | 1.19 | 1.62 | 1.5 |
| Diluted weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 6 M | 5 M | 5 M |
| Dividends paid per share | 0.69 | 0.78 | ||||||||
| FeesAndCommissions | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | ||||
| GeneralAndAdministrativeExpense | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 726000.0 | 766000.0 |
| Income before tax | 3 M | 3 M | 4 M | 5 M | 5 M | 6 M | 5 M | 7 M | 11 M | 10 M |
| Income taxes | 834000.0 | 652000.0 | 1 M | 2 M | 2 M | 2 M | 990000.0 | 674000.0 | 1 M | 879000.0 |
| InsuranceAndClaims | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 726000.0 | 766000.0 |
| Interest expense | -4 M | -3 M | -2 M | -2 M | -2 M | -2 M | -3 M | -6 M | 3 M | 3 M |
| InterestExpenseForDeposit | 2 M | 2 M | 1 M | 1 M | 765000.0 | 1 M | 3 M | 5 M | 1 M | 2 M |
| InterestExpenseForShortTermDebt | 2 M | 1 M | 1 M | 1 M | 1 M | 545000.0 | 587000.0 | 1 M | 1 M | 2 M |
| InterestIncome | 18 M | 17 M | 16 M | 16 M | 17 M | 18 M | 21 M | 27 M | 25 M | 28 M |
| InterestIncomeAfterProvisionForLoanLoss | 12 M | 11 M | 12 M | 13 M | 14 M | 16 M | 18 M | 19 M | 21 M | 23 M |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 106000.0 | 129000.0 | 72000.0 | 61000.0 | 36000.0 | 151000.0 | 197000.0 | 333000.0 | 101000.0 | 493000.0 |
| InterestIncomeFromInvestmentSecurities | 1 M | 685000.0 | 513000.0 | 484000.0 | 406000.0 | 488000.0 | 2 M | 5 M | 4 M | 6 M |
| InterestIncomeFromLoans | 17 M | 16 M | 16 M | 15 M | 16 M | 17 M | 19 M | 22 M | 20 M | 21 M |
| InterestIncomeFromLoansAndLease | 17 M | 16 M | 16 M | 15 M | 16 M | 17 M | 19 M | 22 M | 20 M | 21 M |
| InterestIncomeFromSecurities | 1 M | 685000.0 | 513000.0 | 484000.0 | 406000.0 | 488000.0 | 2 M | 5 M | 4 M | 6 M |
| Net income from total operations | 2 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 9 M | 9 M |
| NetIncomeCommonStockholders | 2 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 12 M | 11 M |
| NetIncomeContinuousOperations | 2 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 M | 9 M | 9 M |
| NetInterestIncome | 13 M | 13 M | 13 M | 13 M | 15 M | 16 M | 18 M | 20 M | 22 M | 24 M |
| NonInterestExpense | -13 M | -14 M | -13 M | -12 M | -13 M | -14 M | -16 M | -16 M | 18 M | 20 M |
| NonInterestIncome | 3 M | 4 M | 4 M | 4 M | 4 M | 3 M | 4 M | 4 M | 6 M | 4 M |
| NonRecurringOperationExpense | -935000.0 | -35000.0 | -29000.0 | |||||||
| Normalized income | 5 M | 5 M | ||||||||
| Other special charges | -3 M | -2 M | ||||||||
| OtherGandA | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 726000.0 | 766000.0 |
| OtherInterestExpense | -4 M | -3 M | -2 M | -2 M | -2 M | -2 M | -3 M | -6 M | -22 M | -24 M |
| OtherInterestIncome | 232000.0 | 219000.0 | 189000.0 | 212000.0 | 175000.0 | 209000.0 | 249000.0 | 211000.0 | 81000.0 | 139000.0 |
| OtherNonInterestExpense | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 827000.0 | 2 M |
| OtherNonInterestIncome | 406000.0 | 865000.0 | 856000.0 | 823000.0 | 990000.0 | 3 M | 4 M | 4 M | 4 M | 4 M |
| ProfessionalExpenseAndContractServicesExpense | 826000.0 | 843000.0 | 749000.0 | 679000.0 | 720000.0 | 825000.0 | 2 M | 1 M | 1 M | 1 M |
| PromotionAndAdvertising | 394000.0 | 403000.0 | 417000.0 | 300000.0 | 324000.0 | 426000.0 | 493000.0 | 383000.0 | 380000.0 | 346000.0 |
| Revenue per share | 119000.0 | 119000.0 | 119000.0 | 66000.0 | -279000.0 | -272000.0 | 150000.0 | 150000.0 | ||
| SalariesAndWages | 7 M | 7 M | 7 M | 6 M | 7 M | 7 M | 8 M | 9 M | 10 M | 10 M |
| SecuritiesActivities | 562000.0 | 355000.0 | ||||||||
| Selling Gen & administrative expense | 10 M | 10 M | 9 M | 9 M | 10 M | 10 M | 11 M | 12 M | 11 M | 12 M |
| SellingAndMarketingExpense | 627000.0 | 600000.0 | 602000.0 | 442000.0 | 441000.0 | 538000.0 | 658000.0 | 519000.0 | 495000.0 | 456000.0 |
| ServiceChargeOnDepositorAccounts | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | ||||
| Special income/charges | -2 M | -1 M | -2 M | -2 M | -2 M | -2 M | -3 M | -3 M | -827000.0 | -2 M |
| Total common shares outstanding | 54 M | 5 M | 5 M | 5 M | 5 M | 6 M | 6 M | 6 M | 6 M | |
| Total net income | 2 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 7 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 | 16 M | 17 M | 17 M | 17 M | 18 M | 19 M | 22 M | 24 M | 28 M | 28 M |
| TotalRevenue | 16 M | 17 M | 17 M | 17 M | 18 M | 19 M | 22 M | 24 M | 28 M | 28 M |
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