United Bancorp, Inc.

United Bancorp, Inc.verified

UBCP

Price:

$13.4652

Market Cap:

$77.75M

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. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Industry

Banks - Regional

IPO Date

1993-03-02

Stock Exchange

NASDAQ

Ticker

UBCP

The ROE as of December 2025 (TTM) for United Bancorp, Inc. (UBCP) is 16.46%

According to United Bancorp, Inc.’s latest financial reports and current stock price. The company's current ROE is 16.46%. This represents a change of 615.36% compared to the average of 2.30% of the last 4 quarters.

United Bancorp, Inc. (UBCP) Historical ROE (quarterly & annually)

How has UBCP ROE performed in the past?

The mean historical ROE of United Bancorp, Inc. over the last ten years is 10.91%. The current 16.46% ROE has changed 50.82% with respect to the historical average. Over the past ten years (40 quarters), UBCP's ROE was at its highest in in the September 2023 quarter at 4.55%. The ROE was at its lowest in in the September 2025 quarter at 0%.

Quarterly (TTM)
Annual

Average

10.91%

Median

11.50%

Minimum

7.77%

Maximum

14.49%

United Bancorp, Inc. (UBCP) ROE by Quarter and Year

Discovering the peaks and valleys of United Bancorp, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 34.41%

Maximum Annual ROE = 14.49%

Minimum Annual Increase = -17.12%

Minimum Annual ROE = 7.77%

Quarterly (TTM)
Annual
YearROEChange
202411.66%-17.12%
202314.07%-2.88%
202214.49%9.94%
202113.18%13.25%
202011.64%2.42%
201911.36%34.41%
20188.46%4.67%
20178.08%-3.78%
20168.40%8.06%
20157.77%18.37%

United Bancorp, Inc. (UBCP) Average ROE

How has UBCP ROE performed in the past?

The current ROE of United Bancorp, Inc. (UBCP) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

13.41%

5-year avg

13.01%

10-year avg

10.91%

United Bancorp, Inc. (UBCP) ROE vs. Peers

How is UBCP’s ROE compared to its peers?

United Bancorp, Inc.’s ROE is less than Bank of the James Financial Group, Inc. (11.23%), less than First US Bancshares, Inc. (5.49%), less than Fifth District Savings Bank (2.88%), less than IF Bancorp, Inc. (6.42%), greater than First Northwest Bancorp (-4.88%), greater than Summit State Bank (-1.46%), less than Auburn National Bancorporation, Inc. (8.62%), less than Pathward Financial, Inc. (22.74%), less than Hennessy Advisors, Inc. (10.41%), less than AmeriServ Financial, Inc. (4.63%),

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