XNASUBCP
Market cap73mUSD
Jan 17, Last price
12.70USD
1D
-0.16%
1Q
3.42%
Jan 2017
-5.93%
Name
United Bancorp Inc
Chart & Performance
Profile
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.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
Income | |||||||||
Revenues | 29,889 4.98% | 28,471 2.35% | |||||||
Cost of revenue | 617 | 11,417 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 29,272 | 17,054 | |||||||
NOPBT Margin | 97.94% | 59.90% | |||||||
Operating Taxes | 541 | 879 | |||||||
Tax Rate | 1.85% | 5.15% | |||||||
NOPAT | 28,731 | 16,175 | |||||||
Net income | 8,950 3.38% | 8,657 -8.40% | |||||||
Dividends | (4,789) | (4,559) | |||||||
Dividend yield | 6.79% | 5.65% | |||||||
Proceeds from repurchase of equity | (733) | (767) | |||||||
BB yield | 1.04% | 0.95% | |||||||
Debt | |||||||||
Debt current | 18,106 | ||||||||
Long-term debt | 104,315 | 23,726 | |||||||
Deferred revenue | (1,143) | ||||||||
Other long-term liabilities | 653,726 | (17,808) | |||||||
Net debt | (61,456) | (180,700) | |||||||
Cash flow | |||||||||
Cash from operating activities | 9,463 | 8,481 | |||||||
CAPEX | (1,081) | (511) | |||||||
Cash from investing activities | (48,472) | (103,256) | |||||||
Cash from financing activities | 49,699 | 41,856 | |||||||
FCF | 38,079 | 16,074 | |||||||
Balance | |||||||||
Cash | 128,374 | 4,908 | |||||||
Long term investments | 37,397 | 217,624 | |||||||
Excess cash | 164,277 | 221,108 | |||||||
Stockholders' equity | 42,604 | 38,653 | |||||||
Invested Capital | 778,029 | 729,792 | |||||||
ROIC | 3.81% | 2.29% | |||||||
ROCE | 3.57% | 2.22% | |||||||
EV | |||||||||
Common stock shares outstanding | 5,490 | 5,483 | |||||||
Price | 12.84 -12.78% | 14.72 -11.64% | |||||||
Market cap | 70,498 -12.66% | 80,720 -11.54% | |||||||
EV | 9,042 | (99,980) | |||||||
EBITDA | 30,419 | 18,217 | |||||||
EV/EBITDA | 0.30 | ||||||||
Interest | 11,014 | 3,273 | |||||||
Interest/NOPBT | 37.63% | 19.19% |