(UBCP) United Bancorp - Ratings and Ratios

United Bancorp, Inc. serves as the bank holding company for Unified Bank, offering a range of commercial and retail banking services across Ohio. Established in 1902 and headquartered in Martins Ferry, Ohio, the company provides essential financial services including demand, savings, and time deposits. It also specializes in commercial loans, real estate loans, and consumer loans, catering to both individuals and businesses within its regional market. United Bancorp operates with a focus on community banking, emphasizing personalized service and local decision-making to support economic growth in its operating areas.

Based on the provided data, United Bancorps stock (NASDAQ:UBCP) is currently priced at $13.30, with a 20-day average volume of 5,956 shares. The stock is trading slightly above its 20-day and 50-day moving averages ($13.14 and $13.01, respectively) but remains above its 200-day moving average ($12.52), indicating potential stability. The Average True Range (ATR) of 0.53 suggests moderate volatility. From a fundamental perspective, the companys market cap of $83.71M, P/E ratio of 11.05, and return on equity (RoE) of 12.13% highlight its valuation and profitability metrics. The price-to-book (P/B) ratio of 1.77 and price-to-sales (P/S) ratio of 2.90 provide additional insight into its valuation relative to book value and revenue.

Over the next three months, UBCP is expected to maintain its current trading range, supported by consistent earnings and a stable financial position. The stock may experience incremental upside due to its position above the 200-day moving average, but gains could be capped by low average trading volume. The moderate ATR suggests that price fluctuations will remain manageable, making the stock a relatively stable investment option in the regional banking sector.