Stocks · Financial Services · Banks - Regional
United Bancorp, Inc. UBCP
$14.79 +3.43% Close, Oct 2, 2026 · NASDAQ · Market cap $85.5M
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 11.7× EBITDA, a high level of leverage.
- The shares trade at 10.6× trailing earnings, higher than 81% of the company's own readings over the past five years.
- Revenue over the last four quarters was $48.2M, up 6.2% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 49%
- EPS growth (TTM, YoY)Bottom 38%
- FCF growth (TTM, YoY)Top 3%
- Revenue growth, 3-year CAGRBottom 49%
- Revenue growth accelerationBottom 43%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 41%
- Gross marginTop 41%
- Operating marginBottom 36%
- Cash conversion (OCF / net income)Bottom 32%
- Accruals (lower is better)Bottom 30%
- Net debt / EBITDA (lower is better)Bottom 10%
- Interest coverBottom 28%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 20%
- Free-cash-flow yieldBottom 48%
- EBITDA / enterprise valueBottom 39%
- Sales / enterprise valueBottom 37%
- P/E vs own 5-year history (lower is better)Bottom 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 49%
- 6-month returnBottom 12%
- 1-year return vs S&P 500Bottom 49%
- Distance from 52-week highBottom 35%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 25%
- Maximum drawdown, 3 yearsTop 38%
- Beta vs S&P 500 (lower is better)Top 1%
- Net debt / EBITDA (lower is better)Bottom 10%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.2% | 6.2% | ↓ |
| EPS growth (YoY) | 8.9% | 10.2% | ↑ |
| Gross margin | 65.9% | 68.5% | ↑ |
| Operating margin | 16.1% | 16.0% | ↓ |
| FCF margin | 2.0% | 13.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.2% | 7.2% | ↓ | Bottom 49% |
| EPS growth (TTM, YoY) | 10.2% | 8.9% | ↑ | Bottom 38% |
| Gross margin | 68.5% | 65.9% | ↑ | Top 41% |
| Operating margin | 16.0% | 16.1% | ↓ | Bottom 36% |
| Net margin | 16.5% | 16.4% | ↑ | — |
| Free-cash-flow margin | 13.4% | 2.0% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 41% | |
| Revenue growth, 3-year CAGR | 14.4% | — | Bottom 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.85×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- -0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -0.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 11.69×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 6.56%
- Net buyback yield (TTM)
- 1.06%
- Shareholder yield
- 7.61%
- Share count change, 1 year
- -0.3%
- Share count change, 3-year CAGR
- -0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.9%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | -2.0% | -0.3% | -3.0% | — |
| May 7, 2026 | — | +1.9% | -2.7% | +0.5% | -2.0% |
| Feb 3, 2026 | — | +1.4% | +1.8% | +6.4% | +14.1% |
| Nov 6, 2025 | — | +2.8% | +3.6% | +7.3% | +13.1% |
| Jul 31, 2025 | — | +0.1% | +1.3% | +1.5% | -8.1% |
| May 9, 2025 | — | +0.6% | +0.8% | +8.7% | +12.0% |
| Feb 7, 2025 | — | -0.6% | -4.3% | +3.4% | -5.3% |
| Nov 6, 2024 | — | +2.9% | +1.8% | +10.8% | +2.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.36 | — | — | $8.6M |
| May 7, 2026 | $0.33 | — | — | $11.4M |
| Feb 3, 2026 | $0.35 | — | — | $8.9M |
| Nov 6, 2025 | $0.34 | — | — | $12.0M |
| Jul 31, 2025 | $0.33 | — | — | $11.8M |
| May 9, 2025 | $0.32 | — | — | $11.1M |
| Feb 7, 2025 | $0.31 | — | — | $11.3M |
| Nov 6, 2024 | $0.31 | — | — | $11.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.6× | 9.4× | 81th | Top 20% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 21.4× | — | — | Bottom 39% |
| EV / Sales | 3.91× | — | — | Bottom 37% |
| Free-cash-flow yield | 7.55% | — | — | Bottom 48% |
| Earnings yield | 9.47% | — | — | Top 20% |
P/E over the past five years
Range 7.2× – 11.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +4.7%
- Earnings per share growth (TTM)
- +10.2%
- Change in P/E multiple
- -0.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.0%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -4.9%
- Distance from 200-day average
- -3.3%
- RSI (14)
- 41.7
- Relative volume
- 0.73×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 32.1%
- Volatility vs own 5-year history
- 34th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- -0.20
- Correlation with S&P 500
- -0.11
- Current drawdown from 1-year high
- -13.1%
- Maximum drawdown, 3 years
- -25.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 19, 2022 | Oct 24, 2023 | -51.9% | 381 days | Not yet recovered |
| Mar 8, 2021 | Jul 20, 2021 | -18.8% | 93 days | 97 days (Dec 6, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $85.5M
- P/E (TTM)
- 10.6
- EPS, diluted (TTM)
- $1.40
- Revenue (TTM)
- $48.2M
- Dividend yield
- 6.42%
- 52-week range
- $12.55 – $17.34
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $30.4M | $31.7M | $40.9M | $44.0M | $47.5M |
| Gross profit | $29.1M | $29.4M | $30.3M | $29.0M | $32.0M |
| Operating income | $10.7M | $9.5M | $9.5M | $7.3M | $8.3M |
| Net income | $9.5M | $8.7M | $8.9M | $7.4M | $7.8M |
| EPS (diluted) | $1.62 | $1.51 | $1.57 | $1.27 | $1.34 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $11.2M | $11.3M | $11.1M | $11.8M | $12.0M | $12.6M | $11.4M | $12.1M |
| Net income | $1.8M | $1.8M | $1.9M | $1.9M | $1.9M | $2.0M | $1.9M | $2.1M |
| EPS (diluted) | $0.31 | $0.31 | $0.32 | $0.33 | $0.34 | $0.35 | $0.33 | $0.38 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $8.2M | $8.5M | $9.5M | $8.4M | $10.0M |
| Capital expenditure | -$777,000 | -$511,000 | -$1.1M | -$9.7M | -$11.8M |
| Free cash flow | $7.4M | $8.0M | $8.4M | -$1.2M | -$1.8M |
| Dividends paid | -$4.1M | -$4.6M | -$4.8M | -$5.1M | -$5.5M |
| Net share buybacks | -$72,000 | -$767,000 | -$733,000 | -$687,000 | -$317,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $249.4M
- Total assets
- $878.0M
- Total liabilities
- $805.9M
- Total debt
- $111.3M
- Net debt
- $102.9M
- Shareholders’ equity
- $72.1M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 10, 2026 | $0.20 | Sep 18, 2026 |
| Jun 10, 2026 | $0.20 | Jun 19, 2026 |
| Mar 10, 2026 | $0.37 | Mar 20, 2026 |
| Dec 10, 2025 | $0.19 | Dec 19, 2025 |
| Sep 10, 2025 | $0.19 | Sep 19, 2025 |
| Jun 10, 2025 | $0.19 | Jun 20, 2025 |
| Mar 10, 2025 | $0.36 | Mar 20, 2025 |
| Dec 10, 2024 | $0.18 | Dec 20, 2024 |
Short interest
- Shares sold short
- 7,243
- Days to cover
- 2.52
- Change vs previous report
- -3.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 29, 2006
- 11-for-10
- Nov 30, 2005
- 11-for-10
- Dec 1, 2004
- 11-for-10
- Nov 28, 2003
- 11-for-10
- Nov 27, 2002
- 21-for-20