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United Bancorp, Inc.

corporate_fare Company Profile

United Bancorp, Inc.

UBCP·NASDAQ·Finance·CIK 0000731653

United Bancorp, Inc. is a bank holding company based in Martins Ferry, Ohio, incorporated on July 8, 1983. As of December 31, 2025, the company operates through its single wholly-owned subsidiary, Unified Bank, also located in Martins Ferry, Ohio. Unified Bank provides commercial and retail banking services to customers across northeastern, eastern, southeastern, and south-central Ohio, specifically in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties, and surrounding areas. The bank also serves customers in Ohio and Marshall counties in the Northern panhandle of West Virginia. Unified Bank offers a variety of banking and financial services, including accepting demand, savings, and time deposits, and providing commercial, real estate, and consumer loans. The bank conducts its operations from its main office and a separate operations center in Martins Ferry, Ohio, along with eighteen branches situated in the counties mentioned. Unified Bank does not have any single customer or group of related customers whose banking activities significantly impact its earnings. The company faces substantial competition for loans and deposits from other retail commercial banks, savings and loan associations, finance companies, credit unions, and other financial institutions in the Mid-Ohio Valley, including Belmont, Harrison, and Jefferson counties, extending into the Northern panhandle of West Virginia, and in the Tuscarawas, Carroll, Athens, and Fairfield County areas of Ohio.

United Bancorp, Inc. (NASDAQ:UBCP) is a publicly traded company in the Finance sector. Wiseek has independently scored 9 items for UBCP at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-07-24, rated 7/10. Across its 9 most recent items scored 7 or higher, the top rating is 8/10, with 3 rated 8 or above. Recent SEC coverage for UBCP spans 8-K, 10-Q, 10-K.

Recent high-impact activity:

  • Expanding margin and deposit growth lift United Bancorp Q2 earnings 9.4%
  • United Bancorp Q2 Net Income Jumps 9% on Deposit Growth, Margin Expansion
  • United Bancorp Reports Modest Q1 Earnings Growth, Strong Deposit Inflows, and Strategic Expansion
  • United Bancorp Reports Q1 Earnings Growth, Increased Dividends, and Strategic Expansion
  • United Bancorp's Q1 Net Income Surges, Regular Dividend Raised

Financial Snapshot

Fiscal year ended December 31, 2025
Net Income
$7.75M
Diluted EPS
$1.34
Op. Cash Flow
$10.46M
Free Cash Flow
-$1.32M
Cash & Equivalents
$46.53M
Debt / Equity
0.00×
Shares Outstanding
5.76M sh
Source: 10-K · filed 2026-03-18 · accession 0001104659-26-031372

Short Interest & Short Volume

2.52 days to cover

FINRA reported short interest of 7,243 shares in UBCP as of the September 15, 2026 settlement, a 3.6% decrease from the prior period — about 2.5 days to cover at its recent average daily volume. On October 2, 2026, 71.0% of UBCP volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)7,243 shares as of September 15, 2026
Change vs prior period▼ 3.6%
Days to cover2.52 at avg daily volume of 2,875
Daily short volume (FINRA facilities)71.0% of 3,525 shares on October 2, 2026
5-day average short volume33.6%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

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$14.79
52-week range · as of 2026-07-24 $12.47 – $17.34
Market cap
$84.83M
Volume
5.8K (1.0× avg)
3-mo avg 5.9K
Live data · 2026-10-05 02:49 UTC · Market closed

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feed UBCP - Latest Insights

UBCP
Jul 24, 2026, 10:03 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $15.51
Real-time Price: $14.79 info
Change: -$0.720 (-5%) info
Market Cap: $84.828M info
UBCP
Jul 23, 2026, 11:12 AM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $15.44
Real-time Price: $14.79 info
Change: -$0.6492 (-4%) info
Market Cap: $84.828M info
UBCP
May 14, 2026, 12:06 PM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $15.33
Real-time Price: $14.79 info
Change: -$0.540 (-4%) info
Market Cap: $84.828M info
UBCP
May 07, 2026, 4:54 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $16.31
Real-time Price: $14.79 info
Change: -$1.52 (-9%) info
Market Cap: $84.828M info
UBCP
May 07, 2026, 11:13 AM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $16.00
Real-time Price: $14.79 info
Change: -$1.21 (-8%) info
Market Cap: $84.828M info
UBCP
Apr 23, 2026, 11:00 AM EDT
Source: Access Newswire
Importance Score:
7
Price at Filing: $16.14
Real-time Price: $14.79 info
Change: -$1.35 (-8%) info
Market Cap: $84.828M info
UBCP
Mar 18, 2026, 4:09 PM EDT
Filing Type: 10-K
Importance Score:
7
Price at Filing: $14.70
Real-time Price: $14.79 info
Change: +$0.090 (+0.61%) info
Market Cap: $84.828M info
UBCP
Feb 20, 2026, 3:14 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $14.56
Real-time Price: $14.79 info
Change: +$0.230 (+2%) info
Market Cap: $84.828M info
UBCP
Feb 03, 2026, 4:14 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $14.19
Real-time Price: $14.79 info
Change: +$0.600 (+4%) info
Market Cap: $84.828M info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets