14.55
+2.46%
Close of 9 Nov 2026, in USD
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About United Bancorp
From its filings with the US Securities and Exchange Commission
United Bancorp is based in Martins Ferry, Ohio and is incorporated in Ohio. Its shares trade on Nasdaq under the ticker UBCP. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $7.8m. At that date it held total assets of $857.4m and shareholders' equity of $70.5m.
United Bancorp, Inc. (Company) is a bank holding company headquartered in Martins Ferry, Ohio. The Company is an Ohio corporation which filed its initial articles of incorporation on July 8, 1983. At December 31, 2025 the Company has one wholly-owned subsidiary bank, Unified Bank, Martins Ferry, Ohio (Unified, or the Bank).
The Company serves customers in northeastern, eastern, southeastern and south central Ohio and the Northern panhandle of West Virginia and 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 also operates in Ohio and Marshall counties in West Virginia. 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. Unified conducts its business through its main office and stand alone operations center in Martins Ferry, Ohio and eighteen branches located in the counties mentioned above.
Unified has no single customer or related group of customers whose banking activities, whether through deposits or lending, would have a material impact on the continued earnings capabilities if those activities were removed.
Quoted from its 10-K, filed 18 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 1 Mar 1993
- Employees
- 125
- Website
- unitedbancorp.com ↗
- Head office
- 201 SOUTH FOURTH STREET, MARTINS FERRY, OH, 43935
- Incorporated in
- OH
- Classification
- State Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Scott EversonChairman of the Board, President, Chief Executive Officer, since 1999$940,030
- Mr. Randall GreenwoodChief Financial Officer, Senior Vice President, Treasurer, since 2024$538,884
- Mr. Matthew BranstetterChief Operating Officer, Senior Vice President, since 2014$565,663
- Ms. Erika AultCorporate Secretary
- Mr. Gary GlessnerIndependent Director$59,380
- Mr. Brian HendershotIndependent Director$41,078
- Mr. John HoopingarnerIndependent Director$60,200
- Ms. Bethany SchunnIndependent Director$37,788
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- United Bancorp Inc has a strong financial position and a healthy balance sheet, which allows the company to weather economic downturns and take advantage of growth opportunities.
- The company has a diversified business portfolio, offering a range of banking and financial services to different customer segments. This diversification helps mitigate risks and allows the company to generate stable revenues.
- United Bancorp Inc has a well-established brand reputation and a loyal customer base. The company's commitment to exceptional customer service has helped build long-term relationships and attract new customers.
- The company has a talented and experienced management team, which provides strong leadership and strategic direction. Their expertise allows United Bancorp Inc to make informed decisions and effectively manage risks.
Weaknesses
- United Bancorp Inc operates in a highly competitive banking industry, which poses challenges in customer acquisition and retention. The company needs to continuously innovate and differentiate its offerings to stay ahead of competitors.
- The company may be susceptible to regulatory changes, as banking regulations can impact the company's operations and profitability. Compliance with these regulations may require additional resources and increase costs.
- United Bancorp Inc has a limited geographic presence and may face challenges in expanding into new markets. This dependence on specific regions may expose the company to regional economic fluctuations and vulnerabilities.
Opportunities
- The growing demand for digital banking services presents an opportunity for United Bancorp Inc to enhance its online and mobile banking platforms. Investing in technology and digital infrastructure can attract tech-savvy customers and improve operational efficiency.
- United Bancorp Inc can explore strategic partnerships or acquisitions to expand its product offerings and customer base. Collaborations with fintech companies or entering into new markets can drive growth and increase market share.
- The company can leverage its strong brand reputation to intensify marketing efforts and attract new customers. Promoting personalized banking services and highlighting the company's commitment to customer satisfaction can differentiate United Bancorp Inc from competitors.
Threats
- The ongoing economic uncertainty and potential recessions can impact United Bancorp Inc's business operations and loan portfolio quality. The company needs to closely monitor and manage credit risks to mitigate potential loan defaults.
- Increasing cybersecurity threats pose a risk to the company's sensitive customer data and digital infrastructure. United Bancorp Inc should invest in robust cybersecurity measures and educate employees on best practices to safeguard against cyberattacks.
- Changes in interest rates, inflation, and monetary policies can significantly impact the company's net interest margin and profitability. United Bancorp Inc should have risk management strategies in place to mitigate interest rate risks.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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