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Upturn AI SWOT - About
United Bancorp Inc (UBCP)
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Upturn Advisory Summary
04/07/2025: UBCP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -37.46% | Avg. Invested days 26 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 78.40M USD | Price to earnings Ratio 9.98 | 1Y Target Price 20 |
Price to earnings Ratio 9.98 | 1Y Target Price 20 | ||
Volume (30-day avg) 8893 | Beta 0.25 | 52 Weeks Range 10.80 - 14.39 | Updated Date 04/7/2025 |
52 Weeks Range 10.80 - 14.39 | Updated Date 04/7/2025 | ||
Dividends yield (FY) 5.56% | Basic EPS (TTM) 1.27 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.56% | Operating Margin (TTM) 25.2% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 11.65% |
Valuation
Trailing PE 9.98 | Forward PE - | Enterprise Value 187227712 | Price to Sales(TTM) 2.71 |
Enterprise Value 187227712 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 6.16 | Enterprise Value to EBITDA - | Shares Outstanding 5966280 | Shares Floating 4940444 |
Shares Outstanding 5966280 | Shares Floating 4940444 | ||
Percent Insiders 14.22 | Percent Institutions 11.47 |
Analyst Ratings
Rating 5 | Target Price 20 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
United Bancorp Inc
Company Overview
History and Background
United Bancorp Inc. is a community bank holding company. While information regarding its founding and specific milestones is limited in readily available public sources, the company operates as a traditional community bank serving local customers and businesses.
Core Business Areas
- Community Banking: Provides traditional banking products and services to individuals and small to medium-sized businesses. This includes deposit accounts, loans, and other financial services.
Leadership and Structure
Information about United Bancorp Inc.'s leadership team and organizational structure is not readily available. As a community bank, it likely has a management team consisting of a CEO, CFO, and other key executives, along with a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to small and medium-sized businesses for various purposes, such as working capital, equipment financing, and real estate. Specific market share data is not readily available. Competitors include other community banks and larger regional and national banks.
- Deposit Accounts: Offers checking, savings, and money market accounts to individual and business customers. Specific market share data is not readily available. Competitors include other community banks and larger national banks.
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Specific market share data is not readily available. Competitors include mortgage companies, credit unions and other banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic cycles. Community banks face pressure from larger institutions and fintech companies.
Positioning
United Bancorp Inc. is positioned as a community bank focused on serving the needs of local customers and businesses. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM for banking services is substantial, encompassing all individuals and businesses requiring financial services. United Bancorp Inc. is positioned to capture a portion of this market through its community-focused strategy. The exact TAM is difficult to quantify given the fragmented nature of the financial services industry.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Established relationships with local businesses
Weaknesses
- Limited resources compared to larger banks
- Geographic concentration
- Dependence on local economy
Opportunities
- Expanding into new markets
- Offering new products and services
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fifth Third Bancorp (FITB)
- Huntington Bancshares Incorporated (HBAN)
- KeyCorp (KEY)
Competitive Landscape
United Bancorp Inc. faces strong competition from larger regional and national banks with greater resources and broader product offerings. Its success depends on its ability to maintain strong relationships with local customers and differentiate itself through personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data for United Bancorp Inc. is unavailable.
Future Projections: Future growth projections for United Bancorp Inc. are unavailable.
Recent Initiatives: Recent strategic initiatives for United Bancorp Inc. are unavailable.
Summary
United Bancorp Inc. is a smaller community bank facing competition from larger institutions. Its strength lies in its local focus, but it needs to innovate and adapt to technological changes to remain competitive. Without financials, a full picture cannot be painted, therefore, it's hard to gauge if the company will be successful in the near future.
Similar Companies
FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
KEY
KeyCorp
KEY
KeyCorp
WSBC
WesBanco Inc
WSBC
WesBanco Inc
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
Disclaimers:
The information provided is based on publicly available sources and is not financial advice. Market share estimates are approximate and may not be precise. Financial data may be limited or unavailable for certain periods.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Bancorp Inc
Exchange NASDAQ | Headquaters Martins Ferry, OH, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman Mr. Scott A. Everson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 115 | Website https://www.unitedbancorp.com |
Full time employees 115 | Website https://www.unitedbancorp.com | ||
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company provides range of banking and financial services, which includes accepting demand, savings, and time deposits. It also offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is based in Martins Ferry, Ohio.
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