profit from every $100 of sales.
$0$100
United Bancorp
$14.05-3.44% today
+9.7% in 1 year
1-year low $12.811-year high $17.01
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.37 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What United Bancorp sold, what it kept, and what it did with the cash.
Sales went from $28.5 million in 2022 to $32.5 million in 2025, with $7.75 million of profit last year.
SalesProfit
United Bancorp vs. similar companies
United Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| United Bancorp | 10.4× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads United Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 28 | 30 | 29 | 32 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 9 | 9 | 7 | 8 | |
| 1.50 | 1.57 | 1.27 | 1.34 | |
| – | – | – | – | |
| – | – | – | – | |
| 30.4% | 29.9% | 25.3% | 23.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 757 | 819 | 817 | 857 |
| Cash | 30 | 41 | 20 | 47 |
| Total debt | 24 | 102 | 102 | 102 |
| Total liabilities | 698 | 756 | 753 | 787 |
| 60 | 64 | 63 | 71 | |
| 5 | 5 | 6 | 5 | |
| – | – | – | – | |
| 14.5% | 14.1% | 11.7% | 11.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 8 | 9 | 8 | 10 | |
| 1 | 1 | 10 | 12 | |
| 8 | 8 | -1 | -1 | |
| Dividends paid | 5 | 5 | 5 | 5 |
| 1 | 1 | 1 | 0 | |
| 1 | 1 | 1 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.5×
- 10.6×
- –
- 1.3×
- 2.5×
- 9.5%
- 5.8%
Profitability
- 23.9%
- 0.9%
- 5.9%
- 11.8%
- 0.9%
Growth
- +4.5%
- −3.7%
- +10.0%
- +0.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 25%of 855
Bottom 34%of 741
Top 31%of 861
Bottom 35%of 860
Bottom 13%of 919
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 0.33 | 0.33 | +0.0% |
| Feb 3, 2026 | 0.35 | – | – |
| Nov 6, 2025 | 0.34 | – | – |
| Jul 31, 2025 | 0.33 | – | – |
| May 9, 2025 | 0.32 | – | – |
| Feb 7, 2025 | 0.31 | – | – |
| Nov 6, 2024 | 0.31 | – | – |
| Aug 7, 2024 | 0.30 | – | – |
5.8%of the share price, paid each year
On $1,000 invested$58a year at today's yield, before tax
+10.0%2020 to 2025
Raised6 yearsin a row, in our data
Paid per share, each year
$0.42 in 2015 → $0.92 in 2025
How safe it looks
70.7% of its profit
Room to growStretchedMore than it earnsNews
United Microelectronics October revenue rises 18.3% Y/YSeeking Alpha · Nov 5, 2026United Fire Group outlines ~10% growth pace as it sees ~0.5-point expense ratio improvement potentialSeeking Alpha · Nov 4, 2026Mark Cuban Warns Hyperscaler Borrowing Could Create A “Debt Bubble In The United States Of America”Yahoo Finance · Oct 29, 2026United Rentals subsidiary prices $2.5B debt dealSeeking Alpha · Oct 27, 2026United Natural Foods (UNFI): buy, sell, or hold post Q2 earnings?Yahoo Finance · Oct 26, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
35No pass
Benjamin Graham
69Pass
Philip Fisher
45No pass
Peter Lynch
28No pass
Joel Greenblatt
21No pass
Charlie Munger
36No pass
Terry Smith
27No pass
Questions about United Bancorp
Is United Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the United Bancorp AI analysis
What does United Bancorp do?
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. It is in Banks - Regional.
Does United Bancorp pay a dividend?
Yes. At today's price the dividend is 5.8% a year, about 71% of its yearly profit. In 2025 it paid out $5.48 million in dividends.
Is United Bancorp stock halal?
No. United Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has United Bancorp stock done over the past year?
Up 9.7% over the past twelve months, to $14.05. It traded between $12.81 and $17.01 and is 17.4% below its high.
Who are United Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with United Bancorp's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.