UBCP
United Bancorp, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Sell
-42/100
Last price
14.16
▲ 0.10 (0.71%)
MARKET · —
Price
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Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Tool
1D
—
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Range —
Vol —
vs
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Open
—
Prev close
14.06
Day high
14.75
Day low
14.11
Volume
3.94K
Market cap
$81.21M
P/E (TTM)
10.26
52W range
12.55 – 17.34
Trailing performance
Returnvs SPY
1W
-4.00%
-5.9%
1M
-10.83%
-12.0%
3M
-14.80%
-19.3%
6M
-7.81%
-26.0%
YTD
-1.32%
-15.6%
1Y
+1.36%
-15.1%
3Y
+22.60%
-59.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UBCP open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
964.83K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| May 28, 26 | SCHUNN BETHANY E. Director |
BUY | 1.18K | $17.54K | Direct |
| May 27, 26 | GREENWOOD RANDALL M Chief Financial Officer |
BUY | 1.03K | $15.44K | Direct |
| May 27, 26 | EVERSON SCOTT A Chief Executive Officer |
BUY | 2.21K | $33.04K | Direct |
| May 27, 26 | GLESSNER GARY W Director |
BUY | 3.53K | $52.66K | Direct |
| May 27, 26 | CLARK JONATHAN C Director |
BUY | 1.51K | $22.56K | Direct |
| May 27, 26 | BRANSTETTER MATTHEW FREDRICK Chief Operating Officer |
BUY | 380 | $5.67K | Direct |
| May 27, 26 | HENDERSHOT BRIAN M. Officer of Subsidiary Company |
BUY | 2.08K | $31.05K | Direct |
| May 27, 26 | BALL ERIN S Director |
BUY | 632 | $9.44K | Direct |
| May 27, 26 | HOOPINGARNER JOHN M Director |
BUY | 931 | $13.90K | Direct |
| May 22, 25 | GREENWOOD RANDALL M Chief Financial Officer |
BUY | 1.01K | $13.70K | Direct |
| May 22, 25 | EVERSON SCOTT A Chief Executive Officer |
BUY | 2.20K | $29.92K | Direct |
| May 22, 25 | GLESSNER GARY W Director |
BUY | 3.50K | $47.63K | Direct |
| May 22, 25 | BRANSTETTER MATTHEW FREDRICK Chief Operating Officer |
BUY | 339 | $4.62K | Direct |
| May 22, 25 | SCHUNN BETHANY E. Director |
BUY | 836 | $11.39K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BALL ERIN S |
Director | 17.81K | Purchase |
BRANSTETTER MATTHEW FREDRICK |
Chief Operating Officer | 60.13K | Purchase |
CLARK JONATHAN C |
Director | 55.64K | Purchase |
EVERSON SCOTT A |
Chief Executive Officer | 143.16K | Purchase |
GLESSNER GARY W |
Director | 108.00K | Purchase |
GREENWOOD RANDALL M |
Chief Financial Officer | 85.21K | Purchase |
HENDERSHOT BRIAN M. |
Officer of Subsidiary Company | 36.50K | Purchase |
HOOPINGARNER JOHN M |
Director | 52.61K | Purchase |
SCHUNN BETHANY E. |
Director | 20.46K | Purchase |
Fundamentals
Market cap$81.21M
Enterprise value$146.51M
Revenue (TTM)$32.99M
Gross profit$32.99M
EBITDA—
Net income$7.58M
EPS (TTM)$1.38
Free cash flow—
Total cash$45.98M
Total debt$111.28M
Book value / share$12.57
Shares outstanding5.74M
Float4.76M
Short % of float0.15%
Dividend yield5.58%
Beta (5Y)0.33
Valuation & profitability ratios
Trailing P/E10.26
Forward P/E8.74
PEG ratio—
Price / sales—
Price / book1.13
EV / revenue4.44
EV / EBITDA—
Gross margin0.00%
Operating margin25.43%
Profit margin24.16%
Return on equity12.10%
Return on assets0.92%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $32.48M | $29.26M | $29.89M | $28.47M | +11.0% |
| Operating revenue | $32.48M | $29.26M | $29.89M | $28.47M | +11.0% |
| Selling, general & admin | $13.39M | $11.50M | $11.63M | $11.42M | +16.5% |
| Pre-tax income | $7.67M | $7.29M | $9.49M | $9.54M | +5.1% |
| Tax provision | -$86.00K | -$107.00K | $541.00K | $879.00K | +19.6% |
| Net income | $7.75M | $7.40M | $8.95M | $8.66M | +4.7% |
| Net income to common | $7.38M | $7.06M | $8.59M | $8.27M | +4.6% |
| Basic EPS | 1.34 | 1.27 | 1.57 | 1.50 | +5.5% |
| Diluted EPS | 1.34 | 1.27 | 1.57 | 1.50 | +5.5% |
| Basic shares | 5.49M | 5.54M | 5.49M | 5.48M | -0.9% |
| Diluted shares | 5.49M | 5.54M | 5.49M | 5.48M | -0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $46.53M | $19.61M | $40.77M | $30.08M | +137.3% |
| Accounts receivable | $3.98M | $4.32M | $4.10M | $3.40M | -7.9% |
| Property, plant & equipment | $34.09M | $23.60M | $14.98M | $12.14M | +44.5% |
| Goodwill & intangibles | $682.00K | $804.00K | $942.00K | $1.09M | -15.2% |
| Total assets | $857.45M | $816.66M | $819.45M | $757.40M | +5.0% |
| Long-term debt | $98.91M | $98.85M | $98.79M | $23.73M | +0.1% |
| Total debt | $101.87M | $101.72M | $101.55M | $23.73M | +0.1% |
| Total liabilities | $786.93M | $753.20M | $755.86M | $697.66M | +4.5% |
| Retained earnings | $48.58M | $46.31M | $44.02M | $41.95M | +4.9% |
| Shareholder equity | $70.52M | $63.46M | $63.59M | $59.74M | +11.1% |
| Net tangible assets | $69.83M | $62.65M | $62.65M | $58.65M | +11.5% |
| Shares issued | 6.21M | 6.20M | 6.06M | 6.04M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $7.75M | $7.40M | $8.95M | $8.66M | +4.7% |
| Depreciation & amortisation | $1.35M | $1.23M | $1.15M | $1.16M | +9.7% |
| Stock-based compensation | $357.00K | $884.00K | $658.00K | $1.00M | -59.6% |
| Change in working capital | $543.00K | -$1.08M | -$1.44M | -$2.35M | +150.2% |
| Operating cash flow | $10.46M | $8.45M | $9.46M | $8.48M | +23.8% |
| Capital expenditure | -$11.78M | -$9.70M | -$1.08M | -$511.00K | -21.5% |
| Investing cash flow | -$4.51M | -$19.46M | -$48.47M | -$103.26M | +76.8% |
| Share buybacks | -$317.00K | -$687.00K | -$733.00K | -$767.00K | +53.9% |
| Dividends paid | -$5.48M | -$5.11M | -$4.79M | -$4.56M | -7.3% |
| Financing cash flow | $20.98M | -$10.14M | $49.70M | $41.86M | +306.8% |
| Free cash flow | -$1.32M | -$1.25M | $8.38M | $7.97M | -6.0% |
| End cash position | $46.53M | $19.61M | $40.77M | $30.08M | +137.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $8.62M | $7.94M | $8.89M | $8.08M | $7.99M | +8.6% |
| Operating revenue | $8.62M | $7.94M | $8.89M | $8.08M | $7.99M | +8.6% |
| Selling, general & admin | $3.60M | $3.42M | $3.47M | $3.45M | $3.25M | +5.4% |
| Pre-tax income | $2.06M | $1.75M | $1.97M | $1.91M | $1.94M | +17.7% |
| Tax provision | -$34.00K | -$160.00K | -$62.00K | -$20.00K | $22.00K | +78.8% |
| Net income | $2.10M | $1.91M | $2.04M | $1.93M | $1.91M | +9.6% |
| Net income to common | $1.99M | $1.79M | $1.93M | $1.84M | $1.83M | +10.9% |
| Basic EPS | 0.36 | 0.33 | 0.35 | 0.34 | 0.33 | +9.1% |
| Diluted EPS | 0.36 | 0.33 | 0.35 | 0.34 | 0.33 | +9.1% |
| Basic shares | 5.47M | 5.50M | 5.49M | 5.49M | 5.49M | -0.4% |
| Diluted shares | 5.47M | 5.50M | 5.49M | 5.49M | 5.49M | -0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $45.98M | $27.24M | $46.53M | $45.65M | $49.69M | +68.8% |
| Accounts receivable | $4.23M | $3.45M | $3.98M | $3.63M | $4.01M | +22.8% |
| Property, plant & equipment | $36.47M | $35.73M | $34.09M | $30.17M | $27.01M | +2.1% |
| Goodwill & intangibles | $682.00K | $682.00K | $682.00K | $692.00K | $729.00K | 0.0% |
| Total assets | $877.97M | $858.50M | $857.45M | $866.76M | $847.88M | +2.3% |
| Long-term debt | $78.94M | $78.92M | $98.91M | $98.89M | $98.88M | +0.0% |
| Total debt | $81.89M | $81.88M | $101.87M | $101.83M | $101.79M | +0.0% |
| Total liabilities | $805.88M | $791.00M | $786.93M | $800.29M | $788.23M | +1.9% |
| Retained earnings | $49.22M | $48.29M | $48.58M | $47.67M | $46.86M | +1.9% |
| Shareholder equity | $72.09M | $67.50M | $70.52M | $66.47M | $59.66M | +6.8% |
| Net tangible assets | $71.41M | $66.82M | $69.83M | $65.78M | $58.93M | +6.9% |
| Shares issued | 5.74M | 6.26M | 6.21M | 6.18M | 6.20M | -8.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $2.10M | $1.91M | $2.04M | $1.93M | $1.91M | +9.6% |
| Depreciation & amortisation | $411.00K | $411.00K | $357.00K | $340.00K | $324.00K | 0.0% |
| Stock-based compensation | $99.00K | $100.00K | $92.00K | $88.00K | $88.00K | -1.0% |
| Change in working capital | -$1.24M | -$2.10M | $260.00K | $453.00K | $1.13M | +41.2% |
| Operating cash flow | $1.04M | $266.00K | $2.45M | $3.17M | $3.78M | +289.5% |
| Capital expenditure | -$1.18M | -$2.04M | -$4.27M | -$3.53M | -$2.32M | +42.5% |
| Investing cash flow | $5.13M | -$28.47M | $19.69M | -$18.28M | -$6.19M | +118.0% |
| Share buybacks | -$342.00K | -$374.00K | -$188.00K | $0 | -$80.00K | +8.6% |
| Dividends paid | -$1.16M | -$2.20M | -$1.13M | -$1.12M | -$1.10M | +47.1% |
| Financing cash flow | $12.57M | $8.91M | -$21.26M | $11.09M | $15.70M | +41.1% |
| Free cash flow | -$140.00K | -$1.78M | -$1.82M | -$367.00K | $1.46M | +92.1% |
| End cash position | $45.98M | $27.24M | $46.53M | $45.65M | $49.69M | +68.8% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | 1.35 | 1 | $27.05M | +2.2% |
| Next year | 1.62 | 1 | $28.86M | +6.7% |
Analyst targets & ownership
Mean target$20.00
High target$20.00
Low target$20.00
Implied upside41.24%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders16.82%
Held by institutions14.21%
Institutions holding37
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
14.70
-3.64% from price
SMA 20
15.20
-6.84% from price
SMA 50
15.48
-8.51% from price
SMA 100
15.55
-8.91% from price
SMA 200
15.30
-7.48% from price
EMA 12
14.76
-4.09% from price
EMA 26
15.13
-6.38% from price
EMA 50
15.35
-7.76% from price
RSI (14)
35.5
Neutral
MACD (12,26,9)
-0.36
Hist -0.13
ATR (14)
0.51
3.60% of price
Realised vol 30D
30.1%
Annualised
Bollinger upper
16.39
20, 2σ
Bollinger lower
14.01
20, 2σ
50 / 200 cross
Golden
15.48 vs 15.30
Trend bias
Below 200
-7.48%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.16
Less volatile than market
Correlation to SPY
-0.06
Largely independent
Realised vol 30D
30.1%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-17.3%
Peak to trough
Max drawdown 5Y
-51.9%
Peak to trough
ATR 14
0.51
3.60% of price
Beta (reported)
0.33
5Y monthly, from filing
Short interest
Shares short
7.24K
Prior 6.82K
Change vs prior
+6.3%
Shorts adding
% of float
0.15%
Normal
% of shares out
0.13%
Against total outstanding
Days to cover
3.6
Liquid
Float
4.76M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.79 / yr
Forward yield5.58%
5-year avg yield4.75%
Payout ratio55.43%
Ex-dividend dateSep 10, 2026
Next pay dateSep 18, 2026
Last split11:10
Split dateNov 29, 2006
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-20
Periodic Financial Reports
10-Q · 2026-08-12
Corporate Changes & Voting Matters
8-K · 2026-07-24
Periodic Financial Reports
10-Q · 2026-05-14
Corporate Changes & Voting Matters
8-K · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-23
Periodic Financial Reports
10-K/A · 2026-03-19
Proxy Statements
DEF 14A · 2026-03-18
Headlines
The Zacks Analyst Blog Highlights Microsoft, Intel, Bank of America, AMREP and United Bancorp
Zacks · 36d ago
Top Analyst Reports for Microsoft, Intel & Bank of America
Zacks · 37d ago
UBCP Upgraded to Outperform on Deposit Growth, Strong Margins
Zacks · 37d ago
United Bancorp, Inc. Increases its Third Quarter Cash Dividend Payment to $0.1975 per Share, Which Produces a Forward Yield of 5.0%
ACCESS Newswire · 48d ago
UBCP's Q2 Earnings Rise Y/Y on Margin Expansion, Deposit Growth
Zacks · 70d ago
United Bancorp, Inc. Reports Increases For 2026 Second Quarter and Six-Month Earnings Performance
ACCESS Newswire · 76d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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