UBCP Home Investment Highlights Valuation & Metrics Price Chart Why The Stock Moved Return vs. Risk About UBCP Interactive Breakdown Better Bets vs. UBCP Peer Outperformance Latest Trefis Analyses Trade Ideas More From Trefis Peer Comparisons FDIC Bank Data FDA Approved Drugs Data Clinical Pipeline Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Forward Guidance Insider Activity Investor Activity (13F) Trade Sentinel Investor Videos Industry Resource Links External Quote Links

    United Bancorp (UBCP)

    Market Price (11/6/2026): $14.07 | Market Cap: $80.7 MilSector: Financials | Industry: Regional Banks

    United Bancorp (UBCP)

    Market Price (11/6/2026): $14.07
    Market Cap: $80.7 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 17%, Dividend Yield is 7.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 13%

    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 -102%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%

    Low stock price volatility
    Vol 12M is 35%

    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
    2Y Excs Rtn is -9.0%, 3Y Excs Rtn is -6.3%

    Not cash flow generative
    FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -12%

    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 17%, Dividend Yield is 7.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 13%
    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 -102%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%
    3 Low stock price volatility
    Vol 12M is 35%
    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
    2Y Excs Rtn is -9.0%, 3Y Excs Rtn is -6.3%
    6 Not cash flow generative
    FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -12%
    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]$33.5 Mil—
    FY 2026 Sales$27.0 Mil—
    FY 2027 Sales$28.9 Mil—
    FY 2026 Sales Growth-19.3%—
    FY 2027 Sales Growth6.7%8.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$8.0 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%13.9%
    FY 2026 EPS (Non-GAAP)$1.35—
    FY 2027 EPS (Non-GAAP)$1.62—
    FY 2027 EPS Growth20.0%—
    VALUATION
    FY 2026 P/S3.01.7
    FY 2027 P/S2.8—
    FY 2026 P/E10.38.7
    FY 2027 P/E8.6—

    [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 11/30/27 (~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 Q8.0%8.9%
    Rev Chg LTM10.3%8.6%
    Rev Chg 3Y Avg4.1%6.4%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM20.6%21.5%
    Net Inc Mgn23.8%13.5%
    VALUATIONLOW
    P/S2.33.2
    P/CFO11.115.1
    P/FCF-18.720.2
    P/E9.722.3

    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

    Upcoming
    11/05/2026Earnings ReleaseRev: -
    EPS: -
    2/09/2027Earnings ReleaseRev: -
    EPS: -

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/5/2026

    United Bancorp (UBCP) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Lower-than-expected fiscal Q3 2026 earnings due to a significant one-time loan charge-off.

    United Bancorp, Inc. reported diluted earnings per share (EPS) of $0.25 and net income of $1,401,000 for the three months ended September 30, 2026 (fiscal Q3 2026), which represented decreases on both a year-over-year and sequential-quarter basis. This underperformance was primarily attributed to a one-time charge-off of a commercial credit totaling $2,953,000, leading to a provision for credit loss expense of $2,421,000 for the quarter, an increase of $2,235,000 year-over-year.

    2. General underperformance of small-cap equities during fiscal Q3 2026.

    The stock's decline occurred within a period where broader market trends saw mid-cap and small-cap equities underperform. During fiscal Q3 2026 (July-September), while U.S. large-cap equities advanced, the S&P SmallCap 600 index notably fell by 7.9%. As a micro-capitalization company, United Bancorp (UBCP) is particularly susceptible to such negative sentiment and trends affecting smaller companies in the market.

    Show more
    Updated on 11/5/2026

    United Bancorp (UBCP) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Lower-than-expected fiscal Q3 2026 earnings due to a significant one-time loan charge-off.

    United Bancorp, Inc. reported diluted earnings per share (EPS) of $0.25 and net income of $1,401,000 for the three months ended September 30, 2026 (fiscal Q3 2026), which represented decreases on both a year-over-year and sequential-quarter basis. This underperformance was primarily attributed to a one-time charge-off of a commercial credit totaling $2,953,000, leading to a provision for credit loss expense of $2,421,000 for the quarter, an increase of $2,235,000 year-over-year.

    2. General underperformance of small-cap equities during fiscal Q3 2026.

    The stock's decline occurred within a period where broader market trends saw mid-cap and small-cap equities underperform. During fiscal Q3 2026 (July-September), while U.S. large-cap equities advanced, the S&P SmallCap 600 index notably fell by 7.9%. As a micro-capitalization company, United Bancorp (UBCP) is particularly susceptible to such negative sentiment and trends affecting smaller companies in the market.

    3. Rising interest rates and their potential headwinds for the banking sector.

    In September 2026, the Federal Reserve increased the Federal Funds target rate range by 25 basis points, moving it to 3.75%-4.00%, marking its first rate hike since 2023. This action contributed to longer-term bond yields reaching multi-decade highs, creating a challenging environment for the banking sector, which is highly sensitive to interest rate expectations and credit quality trends.

    Show less
    Holding a concentrated position? Know your true downside before the momentum shifts.
    Protect Your Wealth →

    Stock Movement Drivers

    Fundamental Drivers

    The -3.6% change in UBCP stock from 7/31/2026 to 11/5/2026 was primarily driven by a -6.2% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)15.0614.52-3.6%
    Change Contribution By: 
    Total Revenues ($ Mil)33341.9%
    Net Income Margin (%)23.7%23.8%0.4%
    P/E Multiple10.610.0-6.2%
    Shares Outstanding (Mil)550.4%
    Cumulative Contribution-3.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    UBCP-3.6% 
    Market (SPY)-1.9%9.8%
    Sector (XLF)1.0%3.8%

    Fundamental Drivers

    The -9.2% change in UBCP stock from 4/30/2026 to 11/5/2026 was primarily driven by a -11.9% change in the company's P/E Multiple.
    (LTM values as of)430202611052026Change
    Stock Price ($)15.9914.52-9.2%
    Change Contribution By: 
    Total Revenues ($ Mil)32343.2%
    Net Income Margin (%)23.9%23.8%-0.4%
    P/E Multiple11.310.0-11.9%
    Shares Outstanding (Mil)550.2%
    Cumulative Contribution-9.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    UBCP-9.2% 
    Market (SPY)2.3%-5.9%
    Sector (XLF)10.7%-11.1%

    Fundamental Drivers

    The 18.1% change in UBCP stock from 10/31/2025 to 11/5/2026 was primarily driven by a 10.3% change in the company's Total Revenues ($ Mil).
    (LTM values as of)1031202511052026Change
    Stock Price ($)12.2914.5218.1%
    Change Contribution By: 
    Total Revenues ($ Mil)303410.3%
    Net Income Margin (%)24.5%23.8%-3.0%
    P/E Multiple9.110.010.1%
    Shares Outstanding (Mil)550.3%
    Cumulative Contribution18.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    UBCP18.1% 
    Market (SPY)8.4%-4.5%
    Sector (XLF)11.1%-6.5%

    Fundamental Drivers

    The 77.1% change in UBCP stock from 10/31/2023 to 11/5/2026 was primarily driven by a 94.1% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)8.2014.5277.1%
    Change Contribution By: 
    Total Revenues ($ Mil)303412.3%
    Net Income Margin (%)29.4%23.8%-19.1%
    P/E Multiple5.110.094.1%
    Shares Outstanding (Mil)550.4%
    Cumulative Contribution77.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    UBCP77.1% 
    Market (SPY)81.3%2.6%
    Sector (XLF)85.5%4.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    UBCP Return32%-7%-7%8%18%6%54%
    Peers Return29%1%9%11%0%24%95%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    UBCP Win Rate58%42%50%42%50%55% 
    Peers Win Rate72%45%57%48%48%65% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    UBCP Max Drawdown-17%-29%-34%-24%-15%-19% 
    Peers Max Drawdown-20%-22%-29%-16%-19%-13% 
    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 11/5/2026 (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-25.2%-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-25.2%-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)

    ```html

    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

    ```html
    • 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

    null

    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

    null

    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.

    Peer Outperformance in Regional Banks

    UBCP has trailed 63% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP, BPOP and OFG. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that UBCP has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    35%
    of 281 industry peers · 23.1% return
    3Y
    29%
    of 273 industry peers · 64.6% return
    5Y
    37%
    of 262 industry peers · 32.1% return
    Regional Banks peers with revenue growth within 4pp of UBCP's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    UBCP United Bancorp 4.1% 10.0x 23.1%64.6%32.1% —
    FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +85pp
    BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +85pp
    OFG OFG Bancorp 4.5% 9.7x 30.7%73.5%113.0% +81pp
    SRCE 1st Source 7.5% 11.8x 46.3%95.9%95.9% +64pp
    EWBC East West Bancorp 6.3% 12.3x 31.5%139.6%76.7% +45pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is UBCP's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    Title
    0ARTICLES

    Recent Active Movers

    Top Gainers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    ULHUniversal Logistics0.869.2%97.6%
    CRCTCricut1.949.7%95.1%
    ARRYArray Technologies0.848.9%-42.5%
    DNUTKrispy Kreme0.843.7%14.4%
    GDYNGrid Dynamics1.142.6%49.9%
    APPAppLovin119.639.7%-47.2%
    EVEREverQuote1.133.0%12.3%
    AGLAgilon Health1.932.4%560.8%
    CPRICapri2.331.6%-13.4%
    GPKGraphic Packaging3.431.0%-20.8%

    Top Losers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    VCYTVeracyte1.9-54.0%-43.0%
    MNTNMNTN0.3-52.2%-60.6%
    FRMIFermi1.0-46.5%-80.9%
    NRIXNurix Therapeutics1.7-45.3%-21.8%
    LITELumentum43.5-44.6%38.3%
    ACDCProFrac0.5-44.1%-30.3%
    PCTPureCycle Technologies0.3-43.5%-78.1%
    INTCIntel274.0-43.2%41.6%
    OFRMOnce Upon a Farm PBC0.4-42.7%-56.5%
    AESIAtlas Energy Solutions0.7-42.5%-43.5%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    BMBLBumble0.8139.2%67.5%
    GDYNGrid Dynamics1.176.5%49.9%
    ULHUniversal Logistics0.872.3%97.6%
    TDOCTeladoc Health1.769.2%34.4%
    SGRYSurgery Partners3.069.0%50.0%
    LQDALiquidia4.066.8%29.0%
    ENOVEnovis1.662.5%7.4%
    BRZEBraze5.161.0%33.6%
    UPBDUpbound1.559.3%51.6%
    COAGHemab Therapeutics1.458.8%34.0%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    CIFRCipher Digital2.3-61.9%-62.4%
    AAOIApplied Optoelectronics3.8-61.7%34.5%
    FRMIFermi1.0-61.5%-80.9%
    MXLMaxLinear4.0-58.7%154.2%
    AESIAtlas Energy Solutions0.7-57.3%-43.5%
    FPSForgent Power Solutions4.7-55.2%-37.2%
    STRLSterling Infrastructure7.5-54.3%-20.2%
    LITELumentum43.5-54.1%38.3%
    AXTIAXT2.2-54.0%124.6%
    ICHRIchor1.0-54.0%52.1%

    More From Trefis

    Research & Analysis

    Invest in Strategies

    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    UBCPWSBCCHCOPRKFMNBPEBOMedian
    NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
    Mkt Price14.0738.68142.04179.7015.5238.7338.70
    Mkt Cap0.13.72.03.30.91.41.7
    Rev LTM341,063315624224460388
    Op Inc LTM-------
    FCF LTM-437813818461171154
    FCF 3Y Avg026813217657143137
    CFO LTM739214119964175158
    CFO 3Y Avg928213418664149142

    Growth & Margins

    UBCPWSBCCHCOPRKFMNBPEBOMedian
    NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
    Rev Chg LTM10.3%21.7%5.7%14.9%24.1%2.5%12.6%
    Rev Chg 3Y Avg4.1%22.6%3.5%8.5%10.2%5.1%6.8%
    Rev Chg Q8.0%4.1%2.8%26.4%49.7%3.5%6.0%
    QoQ Delta Rev Chg LTM1.9%1.0%0.7%6.3%11.7%0.9%1.5%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM20.6%36.9%44.6%31.9%28.8%37.9%34.4%
    CFO/Rev 3Y Avg28.2%33.2%45.1%34.1%34.1%33.1%33.7%
    FCF/Rev LTM-12.3%35.6%43.7%29.5%27.1%37.1%32.5%
    FCF/Rev 3Y Avg0.9%31.6%44.2%32.3%29.8%31.6%31.6%

    Valuation

    UBCPWSBCCHCOPRKFMNBPEBOMedian
    NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
    Mkt Cap0.13.72.03.30.91.41.7
    P/S2.33.56.35.24.13.03.8
    P/Op Inc-------
    P/EBIT-------
    P/E9.710.315.217.113.811.212.5
    P/CFO11.19.514.216.314.27.812.7
    Total Yield17.1%13.5%9.1%8.8%10.4%13.3%11.8%
    Dividend Yield7.1%3.8%2.5%2.9%3.2%4.4%3.5%
    FCF Yield 3Y Avg0.5%9.3%7.2%6.5%8.9%12.6%8.0%
    D/E1.10.60.10.00.50.60.6
    Net D/E-1.00.3-0.4-0.6-0.30.4-0.4

    Returns

    UBCPWSBCCHCOPRKFMNBPEBOMedian
    NameUnited B.Wesbanco City Park Nat.Farmers .Peoples . 
    1M Rtn-0.6%4.2%1.1%-0.3%1.9%6.6%1.5%
    3M Rtn-9.6%-6.4%-1.5%-12.1%-0.7%-4.9%-5.7%
    6M Rtn-11.6%15.4%17.3%4.1%12.0%15.4%13.7%
    12M Rtn19.3%31.9%21.6%19.7%22.9%40.5%22.2%
    3Y Rtn59.5%69.3%60.2%83.6%48.8%58.0%59.8%
    1M Excs Rtn0.7%7.5%3.6%3.5%4.5%9.9%4.0%
    3M Excs Rtn-10.9%-5.5%-0.4%-10.3%0.9%-3.4%-4.5%
    6M Excs Rtn-16.2%10.6%12.5%-0.7%7.2%10.6%8.9%
    12M Excs Rtn4.3%20.7%9.2%8.9%11.5%29.2%10.4%
    3Y Excs Rtn-9.2%-1.3%-13.5%11.0%-24.2%-17.2%-11.3%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/12/20265/14/20263/18/202611/12/20258/14/20255/14/20253/14/202511/13/20248/13/20245/15/20243/20/202411/14/2023
    Key Financials Quarterly            
    Total Revenue989888877788
    Net Income222222222222
    EPS0.360.330.350.340.330.320.310.310.300.350.420.42
    Key Financials TTM            
    Total Revenue TTM343332313030292929293030
    Net Income TTM888877789999
    Growth Rates Quarterly            
    Total Revenue Growth8.0%5.4%17.9%9.8%8.1%7.8%0.1%-2.3%-0.1%-6.2%-1.0%1.6%
    Net Income Growth9.5%2.1%10.1%6.1%10.1%-6.1%-22.6%-23.9%-23.7%5.6%3.6%3.9%
    Margins Quarterly            
    Net Income Margin24.3%24.1%22.9%23.9%24.0%24.9%24.5%24.7%23.5%28.5%31.7%31.8%
    Cash & Debt            
    Total Cash163145161178273266139288278299211296
    Total Debt828210210210210210210210210210299
    Net Debt / (Cash)-81-63-59-76-171-164-37-186-176-197-109-197
    Cash Flows Quarterly            
    FCF from Operations10234114-1433
    Cash Flows TTM            
    FCF from Operations TTM710109106810912910
    Returns to Shareholders Quarterly            
    Dividends121112111211
    Share Repurchases000-000-0001-0-0
    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
    $ Mil202520242023
    Banking879
    Total879


    Assets by Segment
    $ Mil202520242023
    Banking857817819
    Total857817819


    Price Behavior

    Price Behavior
    Market Price$14.52 
    Market Cap ($ Bil)0.1 
    First Trading Date08/18/1995 
    Distance from 52W High-12.5% 
       50 Days200 Days
    DMA Price$14.74$14.99
    DMA Trenddownindeterminate
    Distance from DMA-1.5%-3.2%
     3M1YR
    Volatility33.1%35.0%
    Downside Capture68.36-15.40
    Upside Capture6.058.13
    Correlation (S&P 500)17.9%-3.4%
    UBCP Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta0.940.710.55-0.14-0.110.07
    Up Beta5.771.910.85-0.59-0.52-0.14
    Down Beta2.702.271.110.640.400.45
    Up Capture-37%-20%16%-28%-3%3%
    Bmk +ve Days12182862130427
    Stock +ve Days13243263133373
    Down Capture31%41%58%-19%-38%-29%
    Bmk -ve Days10253664121325
    Stock -ve Days8172756108350

    [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
    UBCP41.1%34.8%1.08-
    Sector ETF (XLF)11.1%15.2%0.47-4.4%
    Equity (SPY)9.5%13.6%0.41-4.8%
    Gold (GLD)3.6%28.7%0.116.3%
    Commodities (DBC)37.7%21.2%1.40-6.8%
    Real Estate (VNQ)12.0%14.2%0.550.1%
    Bitcoin (BTCUSD)-20.8%43.3%-0.421.2%

    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
    UBCP8.5%37.5%0.31-
    Sector ETF (XLF)9.1%18.4%0.368.3%
    Equity (SPY)11.3%17.3%0.485.2%
    Gold (GLD)17.5%19.1%0.743.6%
    Commodities (DBC)8.0%19.6%0.290.5%
    Real Estate (VNQ)1.2%18.9%-0.057.6%
    Bitcoin (BTCUSD)5.9%51.5%0.293.7%

    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
    UBCP10.6%35.7%0.38-
    Sector ETF (XLF)13.3%22.1%0.547.8%
    Equity (SPY)14.9%18.0%0.705.9%
    Gold (GLD)12.0%16.5%0.592.0%
    Commodities (DBC)7.6%18.1%0.334.7%
    Real Estate (VNQ)5.7%20.7%0.237.2%
    Bitcoin (BTCUSD)61.3%66.2%1.012.8%

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

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.0 Mil
    Short Interest: % Change Since 9302026-3.1%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest1
    Basic Shares Quantity5.5 Mil
    Short % of Basic Shares0.1%

    Returns Analyses

    Earnings Returns History

    Updated 8/26/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/20262.3%-2.6%4.4%
    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%
    ...
    SUMMARY STATS   
    # Positive11714
    # Negative131710
    Median Positive0.6%2.6%4.1%
    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
    7/24/20262.3%-2.6%4.4%
    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%
    SUMMARY STATS   
    # Positive11714
    # Negative131710
    Median Positive0.6%2.6%4.1%
    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
    06/30/202608/12/202610-Q
    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
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/12/202610-Q
    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

    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

    External Quote Links


    Prefer one of these to Trefis? Tell us why.
    Core Cache Last Updated: 11/5/2026