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UBCP · United Bancorp Inc /Oh/

Track UBCP — free
$15.45 -0.14 (-0.90%) At close · Aug 14
Market Cap
$88.61M
Shares
5.74M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$15.45 Open$15.88 Day$15.41–15.88 52W close$12.55–17.01 Avg vol 30d6K Short int8K · 0.1% float · 1.7d Short vol3% DataJan 2020–Aug 2026 Filing10-Q · Aug 12

Up next

FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 12, 2026

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate
Market backdrop VIX 14.3 · calm Equity put/call 0.52
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +4%
above
Price vs 50-day avg −2%
below
RSI (14) 47
neutral
MACD trend Negative
52-week position 65%
mid-range
Volume (OBV) Bearish div.
distributing
Momentum
relative strength
Strong
1-month return +3%
trailing
6-month return +6%
trailing
YTD return +8%
this year
Relative strength −8%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $16 › 200d $15 — 50d above 200d
Institutional flow Flat
0% holders QoQ · +6 funds added
Insider flow Accumulating
Net +$170.2K over 90 days · 0% sells
Short interest Rising
0.14% of float · ▲ +0.4% MoM · 1.7 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
32 holders — near 3-yr high, broad support
Squeeze score 39
low risk · 0–100
Fundamentals
Strong
EPS growth +6%
Y/Y
Free cash flow $-1.3M
Valuation P/E 11.2
below peers
Balance sheet $30.8M
net cash
Quant / Vol
risk profile
Moderate
Volatility 35%
annualized · 1-yr
Max drawdown −16%
past year
ATR 2.9%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral
2 · 4 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+4% Bullish
Price vs 50-day avg
−2% Neutral
RSI (14)
47 Neutral
MACD trend
Negative Bearish
52-week position
65% Neutral
Volume (OBV)
Bearish div. Bearish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross) No cross
50d $16 › 200d $15 — 50d above 200d
Institutional flow Flat
0% holders QoQ · +6 funds added
Insider flow Accumulating
Net +$170.2K over 90 days · 0% sells
Short interest Rising
0.14% of float · ▲ +0.4% MoM · 1.7 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
32 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $13 Now $15 · 65% Range high $17
vs 200-day avg +4% vs 50-day avg -2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
net interest margin 3.82% the first six months of 2026
loans past due thirty plus days as a percentage of gross loans 0.07% Q1 2026

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
UBCP
United Bancorp Inc /Oh/
this stock
$88.61M +7.7% 11.2 0.1%
MFG
Mizuho Financial Group Inc
$132.42B +48.5% 0.1%
HDB
Hdfc Bank Ltd
$120.05B -36.0% +15.2% 0.5%
IBN
Icici Bank Ltd
$108.39B -0.2% 0.5%
PNC
Pnc Financial Services Group, Inc.
$102.52B +23.1% +7.2% 14.1 1.8%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
32
% held
13.1%
Net QoQ
+80.3K sh
Top holder
VANGUARD CAPITAL MANAGEME…
Held Float
View
Held by Funds
Fund positions
26
View
Short & Settlement
Short Interest Rising
Shares short
8.2K
Days to cover
1.7d
Change
+33 sh
View
Short Volume
Short vol %
3%
As of
Aug 14, 2026
Short Total
View
Fails to Deliver
FTD shares
10
Value
$163
As of
Jun 30, 2026
View
Off-Exchange
Off-exchange %
63.1%
Week of
Jul 6, 2026
Off-exch Lit
View
Smart Money
Insider Trades Cluster buy
Net (90d)
+$170.2K
Buyers / Sellers
8 / 0
Buyers Sellers
View
Financials
Financials
Net income (FY)
$7.8M
EPS diluted
$1.34
View
Filings
SEC Filings
Latest
10-Q
Filed
Aug 12, 2026
This year
11
View
Earnings & Events
Investor Relations
Latest news
United Bancorp, Inc. Reports Incr…
Published
Jul 23, 2026
View

Performance

5D 20D 120D MTD YTD
UBCP -2.0% +3.3% +6.3% +1.3% +7.7%
SPY +0.4% +4.5% +13.8% +3.9% +13.9%
vs SPY -2.4% -1.2% -7.5% -2.6% -6.2%

Capital returns

Latest dividend
$0.195 / share · ex Jun 10, 2026
Cut 47%
Paid (TTM)
$0.941 / share · 4 payouts
Dividend yield (TTM, derived)
6.09%

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 731653 CUSIP 909911109 13F (30d) 30 filings 30 filers Visit website