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United Bancorp (UBCP)

Market Price (6/24/2026): $15.705 | Market Cap: $86.3 MilSector: Financials | Industry: Regional Banks

United Bancorp (UBCP)

Market Price (6/24/2026): $15.705
Market Cap: $86.3 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 15%, Dividend Yield is 6.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -73%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%

Low stock price volatility
Vol 12M is 34%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Wealth Management Technology, and Digital Payments.

Weak multi-year price returns
3Y Excs Rtn is -6.9%

Not cash flow generative
FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -7.6%

Key risks
UBCP key risks include [1] net interest margin compression impacting balance sheet growth and [2] significant competition within its Ohio and West Virginia service areas.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 15%, Dividend Yield is 6.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -73%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%
3 Low stock price volatility
Vol 12M is 34%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Wealth Management Technology, and Digital Payments.
5 Weak multi-year price returns
3Y Excs Rtn is -6.9%
6 Not cash flow generative
FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -7.6%
7 Key risks
UBCP key risks include [1] net interest margin compression impacting balance sheet growth and [2] significant competition within its Ohio and West Virginia service areas.

UBCP in ETFs

Weight = UBCP's share of each fund

VTI0.00%
DFAC0.00%

Valuation & Metrics

FYE: 12/31UBCP [1]S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]$32.9 Mil—
FY 2026 Sales$26.6 Mil—
FY 2027 Sales$28.4 Mil—
FY 2026 Sales Growth-19.1%—
FY 2027 Sales Growth6.7%8.1%
EARNINGS
LTM Net Income (GAAP) [3]$7.8 Mil—
FY 2026 Net Income (Non-GAAP)$7.8 Mil—
FY 2027 Net Income (Non-GAAP)$9.4 Mil—
FY 2027 Net Income Growth20.0%15.8%
FY 2026 EPS (Non-GAAP)$1.35—
FY 2027 EPS (Non-GAAP)$1.62—
FY 2027 EPS Growth20.0%—
VALUATION
FY 2026 P/S3.23.3
FY 2027 P/S3.0—
FY 2026 P/E11.020.2
FY 2027 P/E9.2—

[1] UBCP forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 6/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).
UBCPS&P 500
REVENUE GROWTHFAIR
Rev LTM ($ Bil)0.0
Rev Chg Q5.4%8.8%
Rev Chg LTM10.3%7.5%
Rev Chg 3Y Avg3.9%5.9%
PROFITABILITYGOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.0
Net Inc LTM ($ Bil)0.0
CFO/Rev LTM29.4%21.4%
Net Inc Mgn23.7%13.0%
VALUATIONLOW
P/S2.63.2
P/CFO8.915.0
P/FCF-34.519.5
P/E11.124.1

AI Analysis | Feedback

MetricValueDateSource
Net Interest Margin3.66%9302025Link
Nonperforming Assets to Total Assets0.66%9302025Link
Nonaccrual Loans to Gross Loans0.63%9302025Link
Allowance for Credit Losses to Loans0.87%9302025Link
Number of Banking Centers189302025Link
Small-business oriented commercial portfolio percentage of total loansapproximately eighty percent (80%)11062025Link

Price Chart

No Events

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/1/2026

United Bancorp (UBCP) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Strong First Quarter 2026 Earnings Performance: United Bancorp reported diluted earnings per share (EPS) of $0.33 for Q1 2026, a 3.1% increase year-over-year, and net income of $1.91 million, up 2.1% year-over-year. The company also saw its net interest income rise by 4.2% year-over-year, with the net interest margin expanding by 12 basis points to 3.72%. These results demonstrated solid operational profitability and efficiency.

2. Robust Balance Sheet Growth: As of March 31, 2026, United Bancorp's total assets increased to $858.5 million, and total deposits grew by $42.6 million, or 6.8% year-over-year, reaching $666.7 million. This growth indicates a strengthening financial position and expanded customer base, contributing to investor confidence.

Show more
Updated on 6/1/2026

United Bancorp (UBCP) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Strong First Quarter 2026 Earnings Performance: United Bancorp reported diluted earnings per share (EPS) of $0.33 for Q1 2026, a 3.1% increase year-over-year, and net income of $1.91 million, up 2.1% year-over-year. The company also saw its net interest income rise by 4.2% year-over-year, with the net interest margin expanding by 12 basis points to 3.72%. These results demonstrated solid operational profitability and efficiency.

2. Robust Balance Sheet Growth: As of March 31, 2026, United Bancorp's total assets increased to $858.5 million, and total deposits grew by $42.6 million, or 6.8% year-over-year, reaching $666.7 million. This growth indicates a strengthening financial position and expanded customer base, contributing to investor confidence.

3. Favorable Regional Banking Sector Trends: The broader regional banking sector experienced a positive trend, with the S&P Regional Bank Index increasing by 8.45% on a total return basis year-to-date through May 1, 2026. This performance was largely attributed to buoyant profit expectations stemming from stable Federal Reserve policy rates, reinforcing banking sector profitability, and attractive valuations within the sector.

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Stock Movement Drivers

Fundamental Drivers

The 9.2% change in UBCP stock from 2/28/2026 to 6/23/2026 was primarily driven by a 6.2% change in the company's P/E Multiple.
(LTM values as of)22820266232026Change
Stock Price ($)14.3815.709.2%
Change Contribution By: 
Total Revenues ($ Mil)31335.6%
Net Income Margin (%)24.3%23.7%-2.5%
P/E Multiple10.411.16.2%
Shares Outstanding (Mil)55-0.2%
Cumulative Contribution9.2%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/23/2026
ReturnCorrelation
UBCP9.2% 
Market (SPY)7.2%-15.6%
Sector (XLF)5.3%-26.4%

Fundamental Drivers

The 23.2% change in UBCP stock from 11/30/2025 to 6/23/2026 was primarily driven by a 19.8% change in the company's P/E Multiple.
(LTM values as of)113020256232026Change
Stock Price ($)12.7515.7023.2%
Change Contribution By: 
Total Revenues ($ Mil)31335.6%
Net Income Margin (%)24.3%23.7%-2.5%
P/E Multiple9.211.119.8%
Shares Outstanding (Mil)55-0.2%
Cumulative Contribution23.2%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/23/2026
ReturnCorrelation
UBCP23.2% 
Market (SPY)8.0%-8.9%
Sector (XLF)1.9%-9.6%

Fundamental Drivers

The 22.0% change in UBCP stock from 5/31/2025 to 6/23/2026 was primarily driven by a 12.5% change in the company's P/E Multiple.
(LTM values as of)53120256232026Change
Stock Price ($)12.8715.7022.0%
Change Contribution By: 
Total Revenues ($ Mil)303310.3%
Net Income Margin (%)24.4%23.7%-3.0%
P/E Multiple9.811.112.5%
Shares Outstanding (Mil)651.3%
Cumulative Contribution22.0%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/23/2026
ReturnCorrelation
UBCP22.0% 
Market (SPY)25.9%-1.1%
Sector (XLF)7.4%-3.7%

Fundamental Drivers

The 69.8% change in UBCP stock from 5/31/2023 to 6/23/2026 was primarily driven by a 92.1% change in the company's P/E Multiple.
(LTM values as of)53120236232026Change
Stock Price ($)9.2415.7069.8%
Change Contribution By: 
Total Revenues ($ Mil)293311.8%
Net Income Margin (%)29.9%23.7%-20.8%
P/E Multiple5.811.192.1%
Shares Outstanding (Mil)55-0.2%
Cumulative Contribution69.8%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/23/2026
ReturnCorrelation
UBCP69.8% 
Market (SPY)82.4%3.0%
Sector (XLF)78.1%5.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
UBCP Return32%-7%-7%8%18%16%68%
Peers Return29%1%9%11%0%15%81%
S&P 500 Return27%-19%24%23%16%9%99%

Monthly Win Rates [3]
UBCP Win Rate58%42%50%42%50%67% 
Peers Win Rate72%45%57%48%48%80% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
UBCP Max Drawdown-17%-29%-34%-24%-15%-16% 
Peers Max Drawdown-20%-22%-29%-16%-19%-11% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: WSBC, CHCO, PRK, FMNB, PEBO.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/23/2026 (YTD)

How Low Can It Go

EventUBCPS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-14.6%-9.5%
  % Gain to Breakeven17.1%10.5%
  Time to Breakeven42 days24 days
2023 SVB Regional Banking Crisis
  % Loss-21.4%-6.7%
  % Gain to Breakeven27.2%7.1%
  Time to Breakeven220 days31 days
2020 COVID-19 Crash
  % Loss-36.4%-33.7%
  % Gain to Breakeven57.1%50.9%
  Time to Breakeven287 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-19.7%-19.2%
  % Gain to Breakeven24.6%23.8%
  Time to Breakeven323 days105 days
2008-2009 Global Financial Crisis
  % Loss-25.3%-53.4%
  % Gain to Breakeven33.8%114.4%
  Time to Breakeven19 days1085 days

Compare to WSBC, CHCO, PRK, FMNB, PEBO

In The Past

United Bancorp's stock fell -0.8% during the 2025 US Tariff Shock. Such a loss loss requires a 0.8% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventUBCPS&P 500
2023 SVB Regional Banking Crisis
  % Loss-21.4%-6.7%
  % Gain to Breakeven27.2%7.1%
  Time to Breakeven220 days31 days
2020 COVID-19 Crash
  % Loss-36.4%-33.7%
  % Gain to Breakeven57.1%50.9%
  Time to Breakeven287 days140 days
2008-2009 Global Financial Crisis
  % Loss-25.3%-53.4%
  % Gain to Breakeven33.8%114.4%
  Time to Breakeven19 days1085 days

Compare to WSBC, CHCO, PRK, FMNB, PEBO

In The Past

United Bancorp's stock fell -0.8% during the 2025 US Tariff Shock. Such a loss loss requires a 0.8% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About United Bancorp (UBCP)

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United Bancorp, Inc. (UBCP) is a bank holding company that operates Unified Bank, providing a comprehensive range of commercial and retail banking services. Founded in 1902 and headquartered in Martins Ferry, Ohio, the company focuses on serving the financial needs of its local communities.

Unified Bank's core offerings include accepting various types of deposits, such as demand, savings, and time deposits, from its customers. On the lending side, the bank originates a diverse portfolio of loans, including commercial loans, commercial and residential real estate loans, and consumer loans, catering to both businesses and individuals.

The company primarily serves customers across several counties in Ohio, including Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas. Additionally, it has a presence in West Virginia, serving Marshall and Ohio Counties and surrounding localities, and maintains a loan production office in Wheeling, West Virginia, further extending its reach in the region.

```

AI Analysis | Feedback

Here are 1-3 brief analogies for United Bancorp (UBCP):

  • A localized PNC Bank, serving specific communities in Ohio and West Virginia.

  • Think of it as a community-focused Huntington Bank for parts of Ohio and West Virginia.

AI Analysis | Feedback

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  • Deposit Services: The company accepts various types of deposits, including demand, savings, and time deposits, from individuals and businesses.
  • Lending Services: The company provides a range of loans, including commercial loans, commercial and residential real estate loans, and consumer loans.
```

AI Analysis | Feedback

```html

United Bancorp (UBCP), as a bank holding company operating Unified Bank, serves a diverse customer base rather than having a few major named customers. Its customer base consists of individuals and businesses who utilize its commercial and retail banking services. The categories of customers it serves are:

  • Individual Banking Customers: This category includes individuals and consumers who utilize the bank's services for demand, savings, and time deposits, as well as residential real estate loans and consumer loans.
  • Commercial Banking Customers: This category encompasses various businesses and commercial entities that secure commercial loans and commercial real estate loans from Unified Bank.
```

AI Analysis | Feedback

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AI Analysis | Feedback

Scott A. Everson, Chairman, President and Chief Executive Officer

Mr. Everson has served as Chairman, President, and Chief Executive Officer of United Bancorp, Inc. and its subsidiary, Unified Bank, since October 2024. He joined Unified Bank (then The Citizens Savings Bank) in 1991 and progressed through various leadership roles, including Senior Vice President of Retail Banking in 1999, and President and Chief Operating Officer of the Bank in 2002. He was appointed Chief Executive Officer of the Bank in 2004. For United Bancorp, Inc., he served as Senior Vice President and Chief Operating Officer from 2002, becoming Executive Vice President and Chief Operating Officer in 2011, and President and Chief Operating Officer in 2013, before assuming his current CEO role in April 2014. Mr. Everson holds a Bachelor's Degree in Business Administration/Finance from Westminster College and has completed further education at institutions such as the Graduate School of Banking at the University of Wisconsin.

Randall M. Greenwood, Senior Vice President, Chief Financial Officer & Treasurer

Mr. Greenwood is the Senior Vice President, Chief Financial Officer, and Treasurer of United Bancorp, Inc., and also serves as Executive Vice President and Chief Financial Officer of Unified Bank. He joined Unified Bank in December 1997. Prior to joining United Bancorp, Inc., Mr. Greenwood gained 12 years of senior management experience in auditing and consulting within the banking, brokerage, and insurance sectors with Coopers & Lybrand, LLP and Bank One. He is a Certified Public Accountant (CPA) and graduated summa cum laude from Ohio University with a Bachelor's Degree in Accounting.

Matthew F. Branstetter, Senior Vice President and Chief Operating Officer

Mr. Branstetter serves as Senior Vice President and Chief Operating Officer of United Bancorp, Inc., and is also Executive Vice President, Chief Lending and Operating Officer for Unified Bank. He joined the company and the bank in 2009, bringing over 20 years of financial services experience. His responsibilities include managing the Bank's lending portfolio, which encompasses commercial, residential, and installment loan programs, and overseeing retail banking, credit analysis, loan administration, and collections. Mr. Branstetter previously served as a Financial Management Specialist/Systems Administrator for the U.S. Air Force. He holds a degree in Business Management from Indiana University and is certified in Credit Risk by the Risk Management Association.

Erika R. Ault, Corporate Secretary & Executive Assistant

Ms. Ault serves as the Corporate Secretary and Executive Assistant for United Bancorp, Inc.

AI Analysis | Feedback

The key risks to United Bancorp (UBCP) are primarily related to its operating environment as a regional bank.

  1. Interest Rate Environment and Net Interest Margin Compression: The company's profitability is significantly influenced by interest rate fluctuations. United Bancorp faced challenges in 2024, including net interest margin compression, due to elevated interest rates, which impacted its balance sheet growth. A rapidly rising interest rate environment has historically caused interest expenses to increase.
  2. Competitive Environment: Unified Bank, United Bancorp's subsidiary, operates in a highly competitive market. It faces significant competition from other financial institutions within its service areas in Ohio and West Virginia. This competition can impact loan growth, deposit gathering, and overall market share.
  3. Regulatory Compliance and Changes: As a bank holding company, United Bancorp is subject to extensive federal and state regulations, including oversight by the Federal Reserve and the FDIC. Ongoing reviews and revisions of financial regulations, along with new financial service regulations, can increase the regulatory compliance burden and heighten litigation risk for the banking industry.

AI Analysis | Feedback

Increasing competition from digital-first banks and fintech companies offering agile, convenient, and often lower-cost banking services, challenging the traditional branch-based model.

AI Analysis | Feedback

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AI Analysis | Feedback

United Bancorp (UBCP) is poised for future revenue growth over the next 2-3 years, driven by several strategic initiatives and market factors:

  1. Expansion of Loan Portfolio, Particularly Commercial Loans: The company anticipates continued revenue growth through the expansion of its loan portfolio. This is notably supported by strong demand within the small-business-oriented commercial loan segment, which constitutes a significant portion of its total loans. Management commentary consistently highlights loan expansion as a key driver of increased net interest income.
  2. Strategic Branch Network Expansion: United Bancorp is actively expanding its physical presence with new banking centers. A major initiative is the development and recent opening of a new regional banking center in Wheeling, West Virginia, which has already begun contributing to loan and deposit growth. The company is also developing a "Unified Center" in St. Clairsville, Ohio, to centralize operations and enhance efficiency.
  3. Investments in Technology and Digital Transformation: The company is investing in technology enhancements and digital transformation, including the development of a Unified Mortgage Division, enhancement of Treasury Management Programs, and the integration of artificial intelligence (AI) into customer service channels. These investments are expected to boost operating leverage, improve client engagement, enhance efficiency, and drive cross-sell opportunities, ultimately supporting both top-line growth and deposit acquisition.
  4. Achievement of $1 Billion in Total Assets: United Bancorp has a long-standing strategic objective to grow its asset base to $1.0 billion or greater. This anticipated asset growth is expected to lead to increased revenue generation and profitability by achieving greater efficiencies and scale within its operations.
  5. Improvement in Net Interest Margin (NIM): The company has demonstrated improved net interest margin through organic loan growth and strategic balance sheet management. This includes a focus on repricing its loan portfolio in a higher interest rate environment and managing its deposit mix, contributing to higher net interest income.

AI Analysis | Feedback

Capital Expenditures

  • United Bancorp (UBCP) reported adjusted capital expenditures of approximately $9.70 million in 2024.
  • Adjusted capital expenditures were approximately $1.08 million in 2023 and $511,000 in 2022.
  • In 2025, the company undertook several transformative projects, including the construction and staffing of a new Wheeling Banking Center, further developing its Unified Mortgage and Treasury Management Programs, investing in new technology and digital transformation platforms, and acquiring and developing a property in St. Clairsville, Ohio, for its Unified Center.

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Peer Comparisons

Peers to compare with:

Financials

UBCPWSBCCHCOPRKFMNBPEBOMedian
NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
Mkt Price15.7037.28129.62179.2114.3937.3037.29
Mkt Cap0.13.61.83.10.61.31.6
Rev LTM331,038310587200460385
Op Inc LTM-------
FCF LTM-341513418247130132
FCF 3Y Avg124413017053128129
CFO LTM1042313819252135136
CFO 3Y Avg925513317861136135

Growth & Margins

UBCPWSBCCHCOPRKFMNBPEBOMedian
NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
Rev Chg LTM10.3%59.9%7.9%11.0%14.6%3.8%10.7%
Rev Chg 3Y Avg3.9%22.8%5.7%6.4%6.5%11.2%6.5%
Rev Chg Q5.4%33.1%6.6%22.6%25.9%5.8%14.6%
QoQ Delta Rev Chg LTM1.3%6.5%1.6%5.3%6.1%1.4%3.4%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM29.4%40.8%44.5%32.6%26.0%29.3%31.0%
CFO/Rev 3Y Avg30.2%32.4%45.4%33.8%33.9%30.3%33.1%
FCF/Rev LTM-7.6%40.0%43.4%31.0%23.5%28.3%29.7%
FCF/Rev 3Y Avg3.7%30.7%44.4%32.2%29.4%28.5%30.1%

Valuation

UBCPWSBCCHCOPRKFMNBPEBOMedian
NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
Mkt Cap0.13.61.83.10.61.31.6
P/S2.63.56.05.33.22.83.3
P/Op Inc-------
P/EBIT-------
P/E11.111.214.017.311.211.811.5
P/CFO8.98.513.416.312.49.711.0
Total Yield15.5%12.8%9.9%7.5%10.9%11.9%11.4%
Dividend Yield6.4%3.8%2.7%1.8%2.0%3.4%3.0%
FCF Yield 3Y Avg1.2%9.6%7.9%6.9%10.3%11.9%8.8%
D/E0.90.40.10.00.70.50.5
Net D/E-0.70.1-0.5-0.7-0.50.4-0.5

Returns

UBCPWSBCCHCOPRKFMNBPEBOMedian
NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
1M Rtn9.1%9.1%4.0%5.7%3.0%8.0%6.8%
3M Rtn-6.6%11.3%9.7%14.3%13.5%17.4%12.4%
6M Rtn15.0%11.4%5.9%14.5%7.4%24.4%12.9%
12M Rtn15.2%25.8%11.4%13.7%13.9%31.7%14.5%
3Y Rtn61.7%73.8%56.0%93.1%34.9%66.1%63.9%
1M Excs Rtn11.2%10.0%5.3%7.1%3.3%8.8%8.0%
3M Excs Rtn-16.0%0.3%-2.2%2.7%1.5%6.1%0.9%
6M Excs Rtn7.6%-0.7%-4.1%1.5%-6.3%11.3%0.4%
12M Excs Rtn-6.1%6.1%-9.0%-7.0%-6.1%12.4%-6.1%
3Y Excs Rtn-6.9%-8.1%-21.7%14.8%-35.5%-12.5%-10.3%

Comparison Analyses

null

Financials

$ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
Filing Date5/14/20263/18/202611/12/20258/14/20255/14/20253/14/202511/13/20248/13/20245/15/20243/20/202411/14/20238/14/2023
Key Financials Quarterly            
Total Revenue898888777887
Net Income222222222222
EPS0.330.350.340.330.320.310.310.300.350.420.420.40
Key Financials TTM            
Total Revenue TTM333231303029292929303030
Net Income TTM888777899999
Growth Rates Quarterly            
Total Revenue Growth5.4%17.9%9.8%8.1%7.8%0.1%-2.3%-0.1%-6.2%-1.0%1.6%6.3%
Net Income Growth2.1%10.1%6.1%10.1%-6.1%-22.6%-23.9%-23.7%5.6%3.6%3.9%-0.7%
Margins Quarterly            
Net Income Margin24.1%22.9%23.9%24.0%24.9%24.5%24.7%23.5%28.5%31.7%31.8%30.8%
Cash & Debt            
Total Cash145161178273266139288278299211296318
Total Debt821021021021021021021021021029999
Net Debt / (Cash)-63-59-76-171-164-37-186-176-197-109-197-219
Cash Flows Quarterly            
FCF from Operations0234114-14333
Cash Flows TTM            
FCF from Operations TTM1010910681091291010
Returns to Shareholders Quarterly            
Dividends211121112111
Share Repurchases00-000-0001-0-0-0
Return on Invested Capital (ROIC) Quarterly            
ROIC------------
Return on Invested Capital (ROIC) TTM            
ROIC TTM------------

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking3229302828
Total3229302828


Net Income by Segment
$ Mil20252024
Banking87
Total87


Assets by Segment
$ Mil2025202420232022
Banking857817819757
Total857817819757


Price Behavior

Price Behavior
Market Price$15.70 
Market Cap ($ Bil)0.1 
First Trading Date08/18/1995 
Distance from 52W High-6.6% 
   50 Days200 Days
DMA Price$15.39$14.04
DMA Trendupindeterminate
Distance from DMA2.0%11.9%
 3M1YR
Volatility42.9%34.4%
Downside Capture-39.752.02
Upside Capture-46.9718.15
Correlation (SPY)-18.6%-1.1%
UBCP Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta-0.71-0.05-0.62-0.31-0.040.07
Up Beta0.440.92-0.86-0.73-0.17-0.14
Down Beta-1.78-1.05-0.20-0.12-0.180.41
Up Capture-88%-20%-30%4%11%3%
Bmk +ve Days13283667141432
Stock +ve Days9233668127366
Down Capture-51%-132%-108%-62%-7%-18%
Bmk -ve Days7132757109318
Stock -ve Days10172653113353

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with UBCP
UBCP25.1%34.2%0.72-
Sector ETF (XLF)8.7%14.6%0.35-4.0%
Equity (SPY)24.6%12.5%1.48-1.3%
Gold (GLD)21.8%27.6%0.70-0.3%
Commodities (DBC)16.7%18.8%0.69-1.9%
Real Estate (VNQ)12.3%13.8%0.60-7.5%
Bitcoin (BTCUSD)-38.0%42.5%-1.01-5.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with UBCP
UBCP7.5%37.0%0.29-
Sector ETF (XLF)9.6%18.6%0.398.9%
Equity (SPY)13.1%17.1%0.595.6%
Gold (GLD)16.8%18.3%0.741.1%
Commodities (DBC)7.3%19.4%0.281.7%
Real Estate (VNQ)2.4%18.9%0.035.8%
Bitcoin (BTCUSD)9.7%54.1%0.383.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with UBCP
UBCP10.9%35.4%0.40-
Sector ETF (XLF)13.3%22.2%0.557.6%
Equity (SPY)15.3%18.0%0.736.0%
Gold (GLD)11.9%16.1%0.610.6%
Commodities (DBC)5.9%18.0%0.255.5%
Real Estate (VNQ)5.5%20.7%0.236.5%
Bitcoin (BTCUSD)57.0%66.5%0.972.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.0 Mil
Short Interest: % Change Since 515202657.5%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest1
Basic Shares Quantity5.5 Mil
Short % of Basic Shares0.3%

Returns Analyses

Earnings Returns History

Updated 6/10/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
5/7/2026-1.9%-6.5%-1.9%
2/3/20260.4%0.8%7.5%
11/7/2025-1.9%0.8%8.1%
8/1/20250.6%0.4%1.1%
5/12/2025-0.2%2.6%7.3%
2/7/20252.4%-1.1%1.7%
11/6/20241.2%-2.5%6.9%
8/8/2024-5.2%-3.4%-0.4%
...
SUMMARY STATS   
# Positive10714
# Negative141710
Median Positive0.6%2.6%3.7%
Median Negative-1.9%-2.5%-2.1%
Max Positive7.4%6.7%21.5%
Max Negative-5.2%-8.7%-8.4%
 Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
5/7/2026-1.9%-6.5%-1.9%
2/3/20260.4%0.8%7.5%
11/7/2025-1.9%0.8%8.1%
8/1/20250.6%0.4%1.1%
5/12/2025-0.2%2.6%7.3%
2/7/20252.4%-1.1%1.7%
11/6/20241.2%-2.5%6.9%
8/8/2024-5.2%-3.4%-0.4%
5/9/2024-0.8%-3.4%-8.3%
2/6/2024-1.4%-1.2%3.7%
11/1/20237.4%6.7%11.0%
7/31/2023-2.7%-2.5%-5.2%
5/5/2023-2.2%-8.7%-8.4%
1/27/2023-0.1%-1.1%2.9%
11/3/20220.7%5.0%-1.3%
8/4/2022-0.2%-1.7%-1.0%
5/5/20220.2%-3.2%-2.2%
2/3/20220.0%-1.3%0.8%
10/29/20210.6%-0.8%2.6%
7/30/20210.0%2.6%21.5%
4/29/2021-1.9%-1.9%-2.1%
1/22/2021-0.5%-7.0%2.6%
10/21/2020-2.5%-6.2%-3.8%
7/30/2020-4.9%-1.7%3.8%
SUMMARY STATS   
# Positive10714
# Negative141710
Median Positive0.6%2.6%3.7%
Median Negative-1.9%-2.5%-2.1%
Max Positive7.4%6.7%21.5%
Max Negative-5.2%-8.7%-8.4%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/14/202610-Q
12/31/202503/18/202610-K
09/30/202511/12/202510-Q
06/30/202508/14/202510-Q
03/31/202505/14/202510-Q
12/31/202403/14/202510-K
09/30/202411/13/202410-Q
06/30/202408/13/202410-Q
03/31/202405/15/202410-Q
12/31/202303/20/202410-K
09/30/202311/14/202310-Q
06/30/202308/14/202310-Q
03/31/202305/15/202310-Q
12/31/202203/17/202310-K
09/30/202211/14/202210-Q
06/30/202208/15/202210-Q
 Collapse to Preview
Report DateFiling DateFiling
03/31/202605/14/202610-Q
12/31/202503/18/202610-K
09/30/202511/12/202510-Q
06/30/202508/14/202510-Q
03/31/202505/14/202510-Q
12/31/202403/14/202510-K
09/30/202411/13/202410-Q
06/30/202408/13/202410-Q
03/31/202405/15/202410-Q
12/31/202303/20/202410-K
09/30/202311/14/202310-Q
06/30/202308/14/202310-Q
03/31/202305/15/202310-Q
12/31/202203/17/202310-K
09/30/202211/14/202210-Q
06/30/202208/15/202210-Q
03/31/202205/13/202210-Q
12/31/202103/18/202210-K
09/30/202111/15/202110-Q
06/30/202108/12/202110-Q
03/31/202105/07/202110-Q
12/31/202003/19/202110-K
09/30/202011/12/202010-Q
06/30/202008/13/202010-Q
03/31/202005/15/202010-Q
12/31/201903/20/202010-K
09/30/201911/12/201910-Q
06/30/201908/13/201910-Q

Insider Activity

Updated 5/28/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Schunn, Bethany E DirectBuy528202614.931,17517,543305,423Form
2Greenwood, Randall MSR VP CFO and TreasurerDirectBuy528202614.931,03415,4381,272,245Form
3Ball, Erin S DirectBuy528202614.936329,436265,933Form
4Clark, Jonathan Chase DirectBuy528202614.931,51122,559830,675Form
5Hoopingarner, John M DirectBuy528202614.9393113,900785,452Form
 Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Schunn, Bethany E DirectBuy528202614.931,17517,543305,423Form
2Greenwood, Randall MSR VP CFO and TreasurerDirectBuy528202614.931,03415,4381,272,245Form
3Ball, Erin S DirectBuy528202614.936329,436265,933Form
4Clark, Jonathan Chase DirectBuy528202614.931,51122,559830,675Form
5Hoopingarner, John M DirectBuy528202614.9393113,900785,452Form
6Branstetter, Matthew FredrickChief Operating OfficerDirectBuy528202614.933805,673897,711Form
7Everson, Scott AChairman Pres and CEODirectBuy528202614.932,21333,0402,137,409Form
8Glessner, Gary W DirectBuy528202614.933,52752,6581,612,470Form
9Branstetter, Matthew FredrickSVP COODirectBuy523202513.623394,617654,904Form
10Hoopingarner, John M DirectBuy523202513.6292712,626605,559Form
11Everson, Scott AChairman, President and CEODirectBuy523202513.622,19729,9231,917,791Form
12Hendershot, Brian M DirectBuy523202513.622,20730,059424,998Form
13Glessner, Gary W DirectBuy523202513.623,49747,6291,369,205Form
14Greenwood, Randall MSVP CFODirectBuy523202513.621,00613,7021,114,620Form
15Schunn, Bethany E DirectBuy523202513.6283611,386246,631Form

Industry Resources

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Core Cache Last Updated: 6/23/2026