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United Bancorp Inc
NASDAQ:UBCP

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United Bancorp Inc
NASDAQ:UBCP
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Price: 14.25 USD 0.42% Market Closed
Market Cap: $82.2m

Net Margin

23.2%
Current
Declining
by 1.9%
vs 3-y average of 25.1%

Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.

Net Margin
23.2%
=
Net Income
$7.2m
/
Revenue
$31.1m

Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.

Net Margin
23.2%
=
Net Income
$7.2m
/
Revenue
$31.1m

Peer Comparison

Country Company Market Cap Net
Margin
US
United Bancorp Inc
NASDAQ:UBCP
84.9m USD
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US
PNC Financial Services Group Inc
NYSE:PNC
93.6B USD
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US
Truist Financial Corp
NYSE:TFC
69.4B USD
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US
Fifth Third Bancorp
NASDAQ:FITB
35.4B USD
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US
M&T Bank Corp
NYSE:MTB
35.4B USD
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CN
Bank of Ningbo Co Ltd
SZSE:002142
214.8B CNY
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US
Huntington Bancshares Inc
NASDAQ:HBAN
29.7B USD
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JP
Resona Holdings Inc
TSE:8308
4.6T JPY
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US
Citizens Financial Group Inc
NYSE:CFG
28.5B USD
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CN
Bank of Jiangsu Co Ltd
SSE:600919
191.4B CNY
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US
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
26.5B USD
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Market Distribution

Higher than 87% of companies in the United States of America
Percentile
87th
Based on 15 072 companies
87th percentile
23.2%
Low
-4 418 600% — -9.6%
Typical Range
-9.6% — 11.3%
High
11.3% — 1 135 400%
Distribution Statistics
the United States of America
Min -4 418 600%
30th Percentile -9.6%
Median 3.1%
70th Percentile 11.3%
Max 1 135 400%

Other Profitability Ratios

United Bancorp Inc
Glance View

Market Cap
82.2m USD
Industry
Banking

United Bancorp, Inc. is bank holding company, which engages in the provision of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties through its subsidiary, United Bank. The company is headquartered in Martins Ferry, Ohio and currently employs 124 full-time employees. The firm has one subsidiary bank, Unified Bank, Martins Ferry, Ohio (Unified, or the Bank). The company is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The Bank provides a broad range of banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. The firm serves customers in Northeastern, Eastern, Southeastern and South Central Ohio and the Northern panhandle of West Virginia. Unified conducts its business through its main office and standalone operations center in Martins Ferry, Ohio. Unified operates a Loan Production Office in Wheeling, West Virginia. The Bank's loan portfolio includes commercial loans, commercial real estate loans, residential real estate loans and installment loans.

UBCP Intrinsic Value
19.38 USD
Undervaluation 26%
Intrinsic Value
Price
What is Net Margin?
Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.
How is Net Margin calculated?

Net Margin is calculated by dividing the Net Income by the Revenue.

Net Margin
23.2%
=
Net Income
$7.2m
/
Revenue
$31.1m
What is United Bancorp Inc's current Net Margin?

The current Net Margin for United Bancorp Inc is 23.2%, which is below its 3-year median of 25.1%.

How has Net Margin changed over time?

Over the last 3 years, United Bancorp Inc’s Net Margin has decreased from 29.9% to 23.2%. During this period, it reached a low of 18.9% on Mar 31, 2025 and a high of 29.9% on Sep 30, 2022.

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