United Bancorp Inc (Martins Ferry, OH)
UBCPFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
14.29+0.24 (1.71%)
2026-11-12 02:22 CET
Market cap
81.96 USD m
Revenue, TTM
- USD m
Net income, TTM
7.11 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
1.30
P/E
11.00
Price
UBCP against its 20, 50 and 200-day averages2050200earnings
17.6% under the 52-week high of 17.34 on 23 Mar 2026. 52-week low 12.41 on 5 Nov 2025. Last 15 sessions, 9.9% high to low
Volume 2.57× normal · the line is the 50-bar volume average
Profile
UBCP52-week range, 35% of the way up
12.6817.33
United Bancorp, Inc. is a bank holding company, which engages in the provision of commercial and retail banking. It provides accepting demand, savings and time deposits and granting commercial, real estate, and consumer loans. The company was founded on July 8, 1983 and is headquartered in Martins Ferry, OH.
| Employees | 125 |
|---|---|
| IPO | Mar 02, 1993 |
| Beta | 0.32 |
| ATR, 14d | 0.54 |
| Rel volume | 2.57 |
| Short float | 0.13% |
| Insider own | 17.00% |
| Inst own | 12.75% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 81.96M |
| Enterprise Value | - |
| Income | 7.11M |
| Sales | 49.17M |
| Book/sh | 8.79 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.77 (5.41%) |
| Dividend Ex-Date | Sep 10, 2026 |
| Dividend Gr. 3/5Y | 6.08% 5.36% |
| Payout | 55.40% |
| Employees | 125 |
| IPO | Mar 02, 1993 |
Ratios
| P/E | 11.00 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.67 |
| P/B | 1.63 |
| P/C | - |
| P/FCF | - |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.18 |
| Debt/Eq | 2.20 |
| LT Debt/Eq | 1.51 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.30 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -3.75% -0.59% |
| Sales past 3/5Y | 14.38% 6.58% |
| EPS Y/Y TTM | 0.00% |
| Sales Y/Y TTM | 6.48% |
| EPS Q/Q | -23.35% |
| Sales Q/Q | 8.34% |
| Earnings | Nov 05 BMO |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 17.00% |
|---|---|
| Insider Trans | 1.18% |
| Inst Own | 12.75% |
| Inst Trans | 2.06% |
| ROA | 0.81% |
| ROE | 12.00% |
| ROIC | 5.43% |
| Gross Margin | - |
| Oper. Margin | 13.94% |
| Profit Margin | 14.47% |
| SMA20 | 2.11% |
| SMA50 | -2.54% |
| SMA200 | -6.09% |
| Trades | - |
Technical
| Shs Outstand | 5.93M |
|---|---|
| Shs Float | 4.76M |
| Short Float | 0.13% |
| Short Ratio | 0.90 |
| Short Interest | 0.01M |
| 52W High | 17.33 -17.57% |
| 52W Low | 12.68 12.72% |
| Volatility | 3.52% 3.88% |
| ATR (14) | 0.54 |
| RSI (14) | 50.04 |
| Beta | 0.32 |
| Rel Volume | 2.57 |
| Avg Volume | 6.75K |
| Volume | 17,376 |
Performance
| Perf Week | -0.35% |
|---|---|
| Perf Month | -2.46% |
| Perf Quarter | -8.34% |
| Perf Half Y | -8.22% |
| Perf YTD | 0.70% |
| Perf Year | 10.31% |
| Perf 3Y | 43.73% |
| Perf 5Y | 0.13% |
| Perf 10Y | 41.08% |
| Recom | 1.00 |
| Target Price | 20.00 |
| Prev Close | 14.05 |
| Price | 14.29 |
| Change % | 1.71% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| OVBC | Ohio Valley Banc Corp | 232.63M |
| CBFV | CB Financial Services Inc | 207.90M |
| SBFG | SB Financial Group Inc | 180.01M |
| LCNB | LCNB Corp | 280.25M |
| ASRV | Ameriserv Financial Inc | 80.53M |
| CFBK | CF Bankshares Inc | 236.11M |
| CIVB | Civista Bancshares Inc | 598.58M |
| FMAO | Farmers & Merchants Bancorp Inc | 505.02M |
| FMNB | Farmers National Banc Corp | 917.30M |
| FUSB | First US Bancshares Inc | 84.35M |
Insider trading
8 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| GREENWOOD RANDALL M | SR VP CFO and Treasurer | May 27 '26 | Buy | 14.93 | 1,034 | 15,438 | 85,214 | May 28 03:49 PM |
| Ball Erin S | Director | May 27 '26 | Buy | 14.93 | 632 | 9,436 | 17,812 | May 28 03:45 PM |
| Clark Jonathan CHASE | Director | May 27 '26 | Buy | 14.93 | 1,511 | 22,559 | 55,638 | May 28 03:42 PM |
| HOOPINGARNER JOHN M | Director | May 27 '26 | Buy | 14.93 | 931 | 13,900 | 52,609 | May 28 03:09 PM |
| Branstetter Matthew Fredrick | Chief Operating Officer | May 27 '26 | Buy | 14.93 | 380 | 5,673 | 60,128 | May 28 02:46 PM |
| EVERSON SCOTT A | Chairman Pres and CEO | May 27 '26 | Buy | 14.93 | 2,213 | 33,040 | 143,162 | May 28 02:41 PM |
| Glessner Gary W | Director | May 27 '26 | Buy | 14.93 | 3,527 | 52,658 | 108,002 | May 28 02:37 PM |
| Schunn Bethany E | Director Unified Bank | May 28 '26 | Buy | 14.93 | 1,175 | 17,543 | 20,457 | May 28 02:34 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | AUM: 3.65B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
| DXUV | US Vector Equity Portfolio ETF Class Shares | AUM: 665.71M |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFSU | Dimensional US Sustainability Core 1 ETF | AUM: 2.38B |
News
latest 14 of 200- United Bancorp, Inc. Reports 2026 Third Quarter and Nine-Month Earnings Performance (ACCESSWIRE)
- Top Analyst Reports for Microsoft, Intel & Bank of America (Zacks)
- United Bancorp, Inc. Increases its Third Quarter Cash Dividend Payment to $0.1975 per Share, Which Produces a Forward Yield of 5.0% (ACCESSWIRE) +5.47%
- United Bancorp, Inc. Reports Increases For 2026 Second Quarter and Six-Month Earnings Performance (ACCESSWIRE)
- United Bancorp, Inc. Reports 2026 First Quarter Earnings Performance (ACCESSWIRE)
- United Bancorp, Inc. Increases its Second Quarter Cash Dividend Payment to $0.1950 per Share, which produces a Forward Yield of 5.13%, and Reports on Annual Shareholder Meeting (ACCESSWIRE)
- United Bancorp, Inc. Declares a Quarterly Cash Dividend of $0.1925 per Common Share Producing a Forward Yield of 5.6% and Announces a Special Dividend Payment of $0.1750 per Common Share (ACCESSWIRE)
- United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand (Zacks)
- United Bancorp, Inc. Reports Respective Increases in Earnings for the 2025 Fourth Quarter and Twelve Months Ended December 31, 2025 (ACCESSWIRE)
- Ohio Valley Banc Gains 16.5% in 6 Months: How to Play the Stock? (Zacks)
- OVBC vs. UBCP: Which Bank Stock Deserves a Spot in Your Portfolio? (Zacks)
- United Bancorp, Inc. Increases its Fourth Quarter Cash Dividend Payment to $0.19 per Share, which produces a Forward Yield of 5.4% (ACCESSWIRE)
- UBCP Stock Rises 4% as Q3 Earnings Rise Y/Y on Strong Loan Growth (Zacks)
- United Bancorp, Inc. Reports Respective Increases in 2025 Third Quarter and Nine-Month Earnings (ACCESSWIRE)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-11-05 | 0.250 | - | 0.250 | 9.30 | - | - |
| 2026Q2 | 2026-07-23 | 0.360 | - | 0.363 | 8.62 | - | - |
| 2026Q1 | 2026-04-30 | 0.330 | - | 0.326 | 8.89 | - | - |
| 2025Q4 | 2026-02-04 | 0.350 | - | 0.352 | 8.89 | - | - |
| 2025Q3 | 2025-11-06 | 0.340 | - | 0.336 | 8.08 | - | - |
| 2025Q2 | 2025-07-31 | 0.330 | - | 0.333 | 7.99 | - | - |
| 2025Q1 | 2025-05-09 | 0.320 | - | 0.318 | 7.53 | - | - |
| 2024Q4 | 2025-02-07 | 0.310 | - | 0.313 | 7.54 | - | - |
| 2024Q3 | 2024-11-07 | 0.310 | - | 0.308 | 7.35 | - | - |
| 2024Q2 | 2024-08-07 | 0.300 | - | 0.295 | 7.39 | - | - |
| 2024Q1 | 2024-05-09 | - | - | 0.346 | 6.98 | - | - |
| 2023Q4 | 2024-02-07 | 0.420 | - | 0.418 | 7.53 | - | - |
| 2023Q3 | 2023-11-02 | 0.420 | - | 0.419 | 7.53 | - | - |
| 2023Q2 | 2023-07-31 | 0.400 | - | 0.406 | 7.39 | - | - |
| 2023Q1 | 2023-05-05 | - | - | 0.329 | 7.44 | - | - |
| 2022Q4 | 2023-01-26 | 0.400 | - | 0.402 | 7.61 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2019FY | 1.190 | 1.200 | 1.186 | 24.80 | - |
| 2020FY | 1.390 | 1.300 | 1.385 | 29.81 | - |
| 2021FY | 1.620 | 1.560 | 1.622 | 27.82 | - |
| 2022FY | 1.500 | 1.520 | 1.508 | 28.47 | - |
| 2023FY | 1.570 | 1.500 | 1.565 | 29.89 | - |
| 2024FY | 1.270 | 1.250 | 1.275 | 29.26 | - |
| 2025FY | 1.340 | 1.320 | 1.340 | 32.48 | - |
| 2026FY | - | 1.350 | - | - | - |
| 2027FY | - | 1.620 | - | - | - |
| 2028FY | - | 1.820 | - | - | - |
| 2029FY | - | 2.020 | - | - | - |
| 2030FY | - | 2.170 | - | - | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q1 | R | 2026-05-08 | 1 | 0 | 0 | 0.33 | 0.33 | 0.33 |
| 2026Q1 | E | 2026-05-08 | 1 | 0 | 0 | 0.33 | 0.33 | 0.33 |
| 2026FY | R | 2026-04-22 | 1 | 0 | 0 | 1.35 | 1.35 | 1.35 |
| 2026FY | R | 2026-02-06 | 1 | 0 | 1 | 1.35 | 1.35 | 1.35 |
| 2026FY | R | 2026-02-03 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-11 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-10 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-09 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-08 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-07 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-06 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-05 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-04 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
| 2026FY | R | 2025-11-03 | 1 | 0 | 0 | 1.55 | 1.55 | 1.55 |
Estimate history
| EPS, annual | 0.705 | 0.821 | 1.186 | 1.385 | 1.622 | 1.508 | 1.565 | 1.275 | 1.345 | 1.2989 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.308 | 0.313 | 0.318 | 0.333 | 0.336 | 0.352 | 0.326 | 0.363 | 0.257 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 21.103 | 24.953 | 30.917 | 34.543 | 30.414 | 31.744 | 40.903 | 43.981 | 47.508 | 49.17 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 11.159 | 11.273 | 11.123 | 11.801 | 11.983 | 12.601 | 11.439 | 12.15 | 12.982 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 5.244 | 5.739 | 5.516 | 5.792 | 5.792 | 5.74 | 5.703 | 5.794 | 5.757 | 5.93 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 5.789 | 5.794 | 5.794 | 5.774 | 5.774 | 5.757 | 5.781 | 5.736 | 5.93 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 41.83 | 41.49 | 39.52 | 36.85 | 27.66 | 24.71 | 27.63 | 27.03 | 21.32 |
| Total Interest Expense | 14.42 | 15.03 | 14.72 | 11.01 | 3.27 | 2.60 | 4.73 | 6.12 | 3.18 |
| Net Interest Income | 27.40 | 26.46 | 24.80 | 25.84 | 24.39 | 22.11 | 22.89 | 20.91 | 18.14 |
| Loan Loss Provision | 2.76 | 0.67 | 0.30 | -0.45 | -0.95 | -1.25 | 3.34 | 0.91 | 0.30 |
| Net Interest Income After Loan Loss Provision | 24.64 | 25.79 | 24.50 | 26.29 | 25.34 | 23.37 | 19.56 | 20.00 | 17.84 |
| Non-Interest Income | 7.35 | 6.02 | 4.46 | 4.05 | 4.08 | 5.71 | 6.92 | 3.88 | 3.63 |
| Non-Interest Expense | 25.13 | 24.14 | 21.67 | 20.85 | 19.89 | 18.39 | 17.89 | 16.48 | 16.40 |
| Operating Income | 6.85 | 7.67 | 7.29 | 9.49 | 9.54 | 10.68 | 8.58 | 7.41 | 5.08 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 6.85 | 7.67 | 7.29 | 9.49 | 9.54 | 10.68 | 8.58 | 7.41 | 5.08 |
| Income Taxes | -0.59 | -0.09 | -0.11 | 0.54 | 0.88 | 1.23 | 0.63 | 0.60 | 0.80 |
| Consolidated Net Income | 7.11 | 7.38 | 7.06 | 8.59 | 8.27 | 8.88 | 7.56 | 6.55 | 4.07 |
| Net Income From Continuing Operations | 7.11 | 7.38 | 7.06 | 8.59 | 8.27 | 8.88 | 7.56 | 6.55 | 4.07 |
| Net Income | 7.11 | 7.38 | 7.06 | 8.59 | 8.27 | 8.88 | 7.56 | 6.55 | 4.07 |
| EPS (Recurring) | 1.31 | 1.34 | 1.27 | 1.57 | 1.51 | 1.62 | 1.38 | 1.19 | 0.82 |
| EPS (Basic, Before Extraordinaries) | 1.30 | 1.34 | 1.27 | 1.57 | 1.51 | 1.62 | 1.38 | 1.19 | 0.82 |
| EPS (Diluted) | 1.30 | 1.34 | 1.27 | 1.57 | 1.51 | 1.62 | 1.38 | 1.19 | 0.82 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | -0.37 | -0.34 | -0.36 | -0.39 | -0.57 | -0.39 | -0.26 | -0.21 |
| Stock Option Compensation Expense | - | 0.36 | 0.70 | 0.52 | 0.79 | 0.30 | 0.24 | 0.21 | 0.35 |
| Price To Earnings Ratio | 11.00 | 11.00 | 9.28 | 7.96 | 9.19 | 9.72 | 8.88 | 11.34 | 13.81 |
| Price To Sales Ratio | 1.64 | 1.66 | 1.64 | 1.72 | 2.54 | 3.00 | 2.08 | 2.56 | 2.27 |
| Operating Margin | 13.94 | 16.14 | 16.59 | 23.20 | 30.04 | 35.12 | 24.84 | 23.96 | 20.37 |
| Net Margin | 14.47 | 15.54 | 16.06 | 21.01 | 26.05 | 29.20 | 21.88 | 21.20 | 16.30 |
| Shares Outstanding | 5.93 | 5.76 | 5.79 | 5.70 | 5.74 | 5.79 | 5.79 | 5.52 | 5.74 |
| Market Capitalization | 81.96 | 81.96 | 73.46 | 70.78 | 80.70 | 94.23 | 74.07 | 80.14 | 61.73 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 10.68 | 10.53 | 10.01 | 10.60 | 10.63 | 10.41 | 9.84 | 10.08 |
| Total Interest Expense | 3.68 | 3.53 | 3.50 | 3.71 | 3.91 | 3.82 | 3.60 | 3.73 |
| Net Interest Income | 7.00 | 7.00 | 6.51 | 6.89 | 6.73 | 6.59 | 6.25 | 6.34 |
| Loan Loss Provision | 2.42 | 0.13 | 0.03 | 0.19 | 0.19 | 0.21 | 0.10 | 0.12 |
| Net Interest Income After Loan Loss Provision | 4.58 | 6.88 | 6.48 | 6.70 | 6.54 | 6.39 | 6.15 | 6.22 |
| Non-Interest Income | 2.30 | 1.62 | 1.43 | 2.00 | 1.35 | 1.39 | 1.28 | 1.20 |
| Non-Interest Expense | 5.81 | 6.43 | 6.16 | 6.73 | 5.98 | 5.84 | 5.59 | 5.63 |
| Operating Income | 1.07 | 2.06 | 1.75 | 1.97 | 1.91 | 1.94 | 1.85 | 1.78 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 1.07 | 2.06 | 1.75 | 1.97 | 1.91 | 1.94 | 1.85 | 1.78 |
| Income Taxes | -0.33 | -0.03 | -0.16 | -0.06 | -0.02 | 0.02 | -0.03 | -0.07 |
| Consolidated Net Income | 1.40 | 1.99 | 1.79 | 1.93 | 1.84 | 1.83 | 1.77 | 1.76 |
| Net Income From Continuing Operations | 1.40 | 1.99 | 1.79 | 1.93 | 1.84 | 1.83 | 1.77 | 1.76 |
| Net Income | 1.40 | 1.99 | 1.79 | 1.93 | 1.84 | 1.83 | 1.77 | 1.76 |
| EPS (Recurring) | 0.26 | 0.36 | 0.33 | 0.35 | 0.34 | 0.33 | 0.32 | 0.31 |
| EPS (Basic, Before Extraordinaries) | 0.26 | 0.36 | 0.33 | 0.35 | 0.34 | 0.33 | 0.32 | 0.31 |
| EPS (Diluted) | 0.26 | 0.36 | 0.33 | 0.35 | 0.34 | 0.33 | 0.32 | 0.31 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | -0.11 | -0.12 | -0.11 | -0.09 | -0.09 | -0.10 | -0.09 |
| Stock Option Compensation Expense | - | 0.08 | 0.10 | 0.15 | 0.07 | 0.07 | 0.07 | 0.13 |
| Price To Earnings Ratio | 11.00 | 11.79 | 11.37 | 10.92 | 10.87 | 11.62 | 10.52 | 9.28 |
| Price To Sales Ratio | 1.64 | 1.80 | 1.75 | 1.66 | 1.66 | 1.76 | 1.67 | 1.66 |
| Operating Margin | 8.23 | 16.96 | 15.31 | 15.67 | 15.95 | 16.41 | 16.60 | 15.82 |
| Net Margin | 10.80 | 16.37 | 15.68 | 15.32 | 15.37 | 15.47 | 15.90 | 15.62 |
| Shares Outstanding | 5.93 | 5.74 | 5.78 | 5.76 | 5.77 | 5.77 | 5.79 | 5.79 |
| Market Capitalization | 81.96 | 91.80 | 87.56 | 81.93 | 79.82 | 83.08 | 79.18 | 73.46 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 9.38 | 8.17 | 7.35 | 8.28 | 7.65 | 11.64 | 5.70 | 15.57 | 4.66 |
| Investments | 275.38 | 256.09 | 280.16 | 241.92 | 225.36 | 202.20 | 202.09 | 137.91 | 58.78 |
| Net Loans | 487.30 | 486.94 | 479.32 | 458.82 | 450.70 | 438.38 | 439.32 | 407.64 | 366.47 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 2.54 | 3.36 | 3.38 | 3.52 | 0.41 | 0.72 | 0.82 | 0.09 | 0.40 |
| Net Property, Plant & Equipment | 34.09 | 23.60 | 14.98 | 12.14 | 12.76 | 13.74 | 12.53 | 12.12 | 11.74 |
| Interest Receivables | 3.98 | 4.32 | 4.10 | 3.40 | 2.35 | 2.90 | 2.70 | 1.80 | 0.99 |
| Deferred Tax Assets | 5.75 | 5.88 | 3.59 | 3.57 | 1.54 | 1.81 | 0.98 | 1.17 | 1.10 |
| Other Intangible Assets | 41.38 | 30.15 | 27.75 | 26.89 | 25.22 | 23.82 | 22.56 | 18.08 | 15.95 |
| Total Assets | 859.81 | 818.52 | 820.63 | 758.54 | 725.99 | 695.21 | 686.68 | 594.38 | 460.08 |
| Total Deposits | 641.37 | 613.49 | 621.46 | 649.91 | 605.14 | 579.53 | 548.07 | 525.44 | 385.97 |
| Total Debt | 131.27 | 132.21 | 128.33 | 41.83 | 39.37 | 36.31 | 70.38 | 12.30 | 25.23 |
| Long Term Debt | 101.87 | 101.72 | 101.55 | 23.73 | 23.66 | 23.60 | 63.47 | 4.18 | 4.23 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 2.36 | 1.87 | 1.18 | 1.14 | 3.22 | 3.99 | 2.71 | 1.39 | 0.75 |
| Other Liabilities | 14.29 | 7.49 | 6.07 | 5.92 | 6.57 | 7.04 | 5.59 | 4.61 | 4.24 |
| Total Liabilities | 789.29 | 755.07 | 757.04 | 698.81 | 654.29 | 626.88 | 626.76 | 543.74 | 416.18 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 70.52 | 63.46 | 63.59 | 59.74 | 71.70 | 68.33 | 59.92 | 50.64 | 43.90 |
| Total Shareholders Equity | 70.52 | 63.46 | 63.59 | 59.74 | 71.70 | 68.33 | 59.92 | 50.64 | 43.90 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 70.52 | 63.46 | 63.59 | 59.74 | 71.70 | 68.33 | 59.92 | 50.64 | 43.90 |
| Total Liabilities & Stockholders Equity | 859.81 | 818.52 | 820.63 | 758.54 | 725.99 | 695.21 | 686.68 | 594.38 | 460.08 |
| Book Value Per Share | 12.25 | 10.95 | 11.15 | 10.41 | 12.38 | 11.80 | 10.86 | 8.82 | 8.37 |
| Tangible Book Value Per Share | 12.13 | 10.81 | 10.99 | 10.22 | 12.17 | 11.56 | 10.58 | 8.53 | 8.37 |
| Tier 1 Capital | 78.39 | 78.18 | 77.89 | 81.32 | 73.11 | 68.97 | 61.42 | 51.42 | 47.47 |
| Tier 2 Capital | 4.26 | 4.03 | 3.92 | 22.05 | 23.67 | 25.11 | 22.23 | 2.04 | 2.12 |
| Full-Time Employees | 125 | 115 | 115 | 125 | 124 | 112 | 112 | 113 | 101 |
| Price to Book Ratio | 1.62 | 1.12 | 1.35 | 1.52 | 1.27 | 1.05 | 1.24 | 1.22 | 1.53 |
| Return on Assets | 0.88 | 0.86 | 1.09 | 1.11 | 1.25 | 1.09 | 1.02 | 0.77 | 0.78 |
| Return on Equity | 11.02 | 11.12 | 13.93 | 12.58 | 12.69 | 11.79 | 11.86 | 8.61 | 8.12 |
| Return on Invested Capital | 4.28 | 4.28 | 5.20 | 9.91 | 9.31 | 8.22 | 5.31 | 7.42 | 7.30 |
| Current Ratio | 0.10 | 0.05 | 0.11 | 0.08 | 0.20 | 0.14 | 0.05 | 0.09 | 0.06 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 9.01 | 8.62 | 10.45 | 10.60 | 8.42 | 9.87 | 9.74 | 6.31 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.94 | -0.65 | -1.01 | -2.16 | -0.50 | -0.68 | -1.18 | -0.62 |
| Cash from Operating Activities | - | 9.96 | 7.97 | 9.43 | 8.45 | 7.92 | 9.19 | 8.56 | 5.69 |
| Capital Expenditures | - | -22.45 | -9.70 | -1.08 | -0.51 | -1.04 | -2.97 | -5.34 | -0.79 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.06 | 0.00 | 0.01 | 0.11 | 0.62 | 0.02 | 0.02 | 23.46 |
| Purchase or Sale of Investments | - | 18.37 | -1.57 | -23.45 | -93.65 | 9.60 | 39.44 | -57.30 | -53.71 |
| Purchase of Investments | - | -35.93 | -46.12 | -25.92 | -99.99 | -24.37 | -22.60 | -102.64 | -78.12 |
| Sale Or Maturity of Investments | - | 54.30 | 44.55 | 2.46 | 6.35 | 33.97 | 62.04 | 45.34 | 24.41 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.00 | -0.05 | -1.48 | 1.21 | 0.47 | -0.17 | 0.23 | 0.00 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -4.01 | -18.98 | -48.44 | -103.22 | -0.94 | 33.85 | -95.74 | -62.48 |
| Cash Dividends Paid | - | -5.48 | -5.11 | -4.79 | -4.56 | -4.10 | -3.36 | -3.23 | -3.22 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.32 | -0.69 | -0.73 | -0.77 | -0.07 | -0.53 | -0.42 | 0.00 |
| Repurchase of Common Pref Stock | - | -0.32 | -0.69 | -0.73 | -0.77 | -0.07 | -0.53 | -0.42 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -1.09 | 3.62 | 83.67 | 2.40 | 3.00 | -34.01 | 57.92 | -12.93 |
| Change in Long Term Debt | - | -0.00 | -0.09 | 75.00 | 0.00 | 0.00 | 0.00 | 19.28 | -9.92 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 75.00 | 0.00 | 0.00 | 0.00 | 19.38 | 0.00 |
| Reduction of Long Term Debt | - | -0.00 | -0.09 | 0.00 | 0.00 | 0.00 | 0.00 | -0.11 | -9.92 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Cash from Financing Activities | - | 20.98 | -10.14 | 49.70 | 41.86 | 24.42 | -6.43 | 76.91 | 67.73 |
| Net Change in Cash | - | 26.92 | -21.16 | 10.69 | -52.92 | 31.41 | 36.61 | -10.27 | 10.94 |
| Free Cash Flow | - | -1.82 | -1.73 | 8.35 | 7.93 | 7.14 | 6.67 | 7.23 | 4.90 |
| Price to Free Cash Flow | - | - | - | 19.78 | 23.92 | 30.00 | 21.73 | 19.75 | 33.63 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 70.25 | 8.36 | 8.19 | 9.38 | 8.03 | 7.87 |
| Investments | 256.89 | 282.72 | 259.44 | 275.38 | 295.38 | 273.10 |
| Net Loans | 500.12 | 491.38 | 496.09 | 487.30 | 492.23 | 496.59 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | - | 36.47 | 35.73 | 34.09 | 30.17 | 27.01 |
| Interest Receivables | - | 4.23 | 3.45 | 3.98 | 3.63 | 4.01 |
| Deferred Tax Assets | - | 3.41 | 3.90 | 5.75 | 4.11 | 5.51 |
| Other Intangible Assets | 38.86 | 49.14 | 49.17 | 41.38 | 29.93 | 30.52 |
| Total Assets | 899.34 | 877.97 | 858.50 | 859.81 | 866.76 | 847.88 |
| Total Deposits | 722.46 | 686.95 | 666.66 | 641.37 | 645.19 | 642.95 |
| Total Debt | 114.71 | 111.28 | 117.48 | 131.27 | 147.34 | 137.39 |
| Long Term Debt | 78.95 | 81.89 | 81.88 | 101.87 | 101.83 | 101.79 |
| Provision for Risks Charges | - | 0.09 | 0.14 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 2.36 | - | - |
| Other Liabilities | - | 7.56 | 6.72 | 14.29 | 7.75 | 7.89 |
| Total Liabilities | - | 805.88 | 791.00 | 789.29 | 800.29 | 788.23 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 52.14 | 72.09 | 67.50 | 70.52 | 66.47 | 59.66 |
| Total Shareholders Equity | 52.14 | 72.09 | 67.50 | 70.52 | 66.47 | 59.66 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 52.14 | 72.09 | 67.50 | 70.52 | 66.47 | 59.66 |
| Total Liabilities & Stockholders Equity | - | 877.97 | 858.50 | 859.81 | 866.76 | 847.88 |
| Book Value Per Share | 8.79 | 12.57 | 11.68 | 12.25 | 11.51 | 10.33 |
| Tangible Book Value Per Share | - | 12.45 | 11.56 | 12.13 | 11.39 | 10.21 |
| Tier 1 Capital | - | - | - | 78.39 | - | - |
| Tier 2 Capital | - | - | - | 4.26 | - | - |
| Full-Time Employees | - | - | - | 125 | - | - |
| Price to Book Ratio | 1.62 | 1.36 | 1.24 | 1.23 | 1.34 | 1.37 |
| Return on Assets | 0.81 | 0.88 | 0.88 | 0.88 | 0.85 | 0.85 |
| Return on Equity | 12.00 | 11.47 | 11.52 | 11.00 | 10.91 | 11.79 |
| Return on Invested Capital | 1.07 | 1.29 | 1.20 | 1.12 | 1.09 | 1.13 |
| Current Ratio | 0.18 | 0.14 | 0.09 | 0.10 | 0.14 | 0.16 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 1.87 | 2.06 | 1.93 | 2.27 | 2.66 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.93 | -1.70 | 0.36 | 0.55 | 1.23 |
| Cash from Operating Activities | - | 0.94 | 0.36 | 2.29 | 2.82 | 3.88 |
| Capital Expenditures | - | -1.18 | -8.96 | -14.94 | -3.53 | -2.32 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.06 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 0.41 | -11.24 | 29.63 | -19.04 | 0.01 |
| Purchase of Investments | - | 0.00 | -11.24 | -15.33 | -20.61 | 0.00 |
| Sale Or Maturity of Investments | - | 0.41 | 0.00 | 44.95 | 1.57 | 0.01 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 5.23 | -28.56 | 19.84 | -17.94 | -6.28 |
| Cash Dividends Paid | - | -1.16 | -2.20 | -1.13 | -1.12 | -1.10 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -0.34 | -0.37 | -0.19 | 0.00 | -0.08 |
| Repurchase of Common Pref Stock | - | -0.34 | -0.37 | -0.19 | 0.00 | -0.08 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -6.21 | -13.81 | -16.11 | 9.91 | -1.97 |
| Change in Long Term Debt | - | -0.00 | -0.00 | -0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -0.00 | -0.00 | -0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | 12.57 | 8.91 | -21.26 | 11.09 | 15.68 |
| Net Change in Cash | - | 18.74 | -19.29 | 0.88 | -4.03 | 13.28 |
| Free Cash Flow | - | -0.24 | -1.68 | -1.98 | -0.71 | 1.57 |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.13% | 0.0M | 4.8M | 6.02K |
| 2026-10-15 | 0.14% | 0.0M | 4.8M | 5.77K |
| 2026-09-30 | 0.15% | 0.0M | 4.8M | 6.08K |
| 2026-09-15 | 0.15% | 0.0M | 4.8M | 6.20K |
| 2026-08-31 | 0.16% | 0.0M | 4.8M | 6.96K |
| 2026-08-14 | 0.14% | 0.0M | 4.8M | 8.97K |
| 2026-07-31 | 0.17% | 0.0M | 4.8M | 9.00K |
| 2026-07-15 | 0.17% | 0.0M | 4.8M | 10.72K |
| 2026-06-30 | 0.33% | 0.0M | 4.8M | 14.29K |
| 2026-06-15 | 0.22% | 0.0M | 4.8M | 13.71K |
| 2026-05-29 | 0.29% | 0.0M | 4.8M | 13.63K |
| 2026-05-15 | 0.18% | 0.0M | 4.8M | 12.15K |
| 2026-04-30 | 0.19% | 0.0M | 4.8M | 12.25K |
| 2026-04-15 | 0.20% | 0.0M | 4.8M | 10.56K |
| 2026-03-31 | 0.13% | 0.0M | 4.9M | 5.42K |
| 2026-03-13 | 0.15% | 0.0M | 4.9M | 4.86K |
| 2026-02-27 | 0.13% | 0.0M | 4.9M | 5.56K |
| 2026-02-13 | 0.11% | 0.0M | 4.9M | 5.19K |
| 2026-01-30 | 0.11% | 0.0M | 4.9M | 5.22K |
| 2026-01-15 | 0.11% | 0.0M | 4.9M | 5.12K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 8-K | Current report | 2026-11-05 | SEC |
| 2026-08-20 | 8-K | Current report | 2026-08-19 | SEC |
| 2026-08-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-24 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-07 | 3 | Initial statement of beneficial ownership of securities | 2026-04-22 | SEC |
| 2026-05-07 | 8-K | Current report | 2026-05-07 | SEC |
| 2026-04-29 | 3 | Initial statement of beneficial ownership of securities | 2026-04-22 | SEC |
| 2026-04-23 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-04-23 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-03-19 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-03-19 | 10-K/A | 2025-12-31 | SEC | |
| 2026-03-18 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-04-22 | SEC |
| 2026-03-18 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-20 | 8-K | Current report | 2026-02-18 | SEC |
| 2026-02-03 | 8-K | Current report | 2026-02-03 | SEC |
| 2025-11-20 | 8-K | Current report | 2025-11-19 | SEC |
| 2025-11-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-11-07 | 8-K | Current report | 2025-11-06 | SEC |
| 2025-08-21 | 8-K | Current report | 2025-08-20 | SEC |
| 2025-08-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-06-30 | SEC |
| 2025-08-01 | 8-K | Current report | 2025-07-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 170.25K | 8 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | 1.95% |
| Commonwealth Financial Services, LLC | 1.56% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.94% |
| Post Resch Tallon Group Inc. | 0.94% |
| Stratos Wealth Partners, LTD. | 0.84% |
| DIMENSIONAL FUND ADVISORS LP | 0.80% |
| Bahl & Gaynor LLC | 0.70% |
| Vawter Financial, Ltd. | 0.62% |
| RAFFLES ASSOCIATES LP | 0.61% |
| Appalachian Capital Management Ltd | 0.58% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD EXTENDED MARKET INDEX FUND | 1.08% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 0.81% |
| Fidelity Extended Market Index Fund | 0.46% |
| iShares Micro-Cap ETF | 0.30% |
| U.S. CORE EQUITY 2 PORTFOLIO | 0.19% |
| Fidelity Total Market Index Fund | 0.15% |
| Omni Small-Cap Value Fund | 0.15% |
| Fidelity Series Total Market Index Fund | 0.13% |
| U.S. CORE EQUITY 1 PORTFOLIO | 0.10% |
| U.S. Targeted Value Portfolio | 0.08% |
OakChart. UBCP. Cached 15 minutes.
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