UNITED BANCORP INC /OH/
UBCP · State Commercial Banks · 5.8M shares · +0%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: -$197K (gross $687K, SBC $884K)
Reference price $14.93 · est. market cap ~$86M — last insider purchase, 2026-05-28 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C65United Bancorp (OH) — small bank with strong earnings rebound but weak cash flow.
Strengths
- Net income up sharply (98th pct), ROE 11% (64th)
Risks
- Negative free cash flow (3rd pct)
- Low cash position (14th)
- Very small scale
Notable findings
- Cash burnNegative free cash flow (-1.3M)
- Insider buyingInsider buying — 8 open-market buy(s) by 8 insider(s) (cluster of 8 insiders, ~$170,247, last 6mo) Form 4 ↗
Key metrics
Return on equity
11.0%
Return on assets
0.9%
Net-income growth
4.7%
Free cash flow
-$1M
Tangible book value
$70M
Cash & investments
$47M
Cash runway
141q
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-28 | Schunn Bethany E | Buy | 1.2K | $14.93 |
| 2026-05-27 | Ball Erin S | Buy | 632 | $14.93 |
| 2026-05-27 | Clark Jonathan CHASE | Buy | 1.5K | $14.93 |
| 2026-05-27 | HOOPINGARNER JOHN M | Buy | 931 | $14.93 |
| 2026-05-27 | Branstetter Matthew Fredrick | Buy | 380 | $14.93 |
| 2026-05-27 | EVERSON SCOTT A | Buy | 2.2K | $14.93 |
| 2026-05-27 | Glessner Gary W | Buy | 3.5K | $14.93 |
| 2026-05-27 | GREENWOOD RANDALL M | Buy | 1.0K | $14.93 |
| 2025-05-22 | Branstetter Matthew Fredrick | Buy | 339 | $13.62 |
| 2025-05-22 | HOOPINGARNER JOHN M | Buy | 927 | $13.62 |
| 2025-05-22 | EVERSON SCOTT A | Buy | 2.2K | $13.62 |
| 2025-05-22 | Hendershot Brian M | Buy | 2.2K | $13.62 |
| 2025-05-22 | Glessner Gary W | Buy | 3.5K | $13.62 |
| 2025-05-22 | GREENWOOD RANDALL M | Buy | 1.0K | $13.62 |
| 2025-05-22 | Schunn Bethany E | Buy | 836 | $13.62 |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (0)
Suppliers (1)
- Bloomberg
Named in the 10-K; linked when we track them.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-05-14 | 2026-03-31 | 0001104659-26-060924 ↗ |
| 8-K | 2026-05-07 | 2026-05-07 | 0001104659-26-057249 ↗ |
| 8-K | 2026-04-23 | 2026-04-22 | 0001104659-26-047550 ↗ |
| 8-K | 2026-04-23 | 2026-04-22 | 0001104659-26-047551 ↗ |
| 10-K/A | 2026-03-19 | 2025-12-31 | 0001104659-26-031372 ↗ |
| 10-K | 2026-03-18 | 2025-12-31 | 0001104659-26-030899 ↗ |
| 8-K | 2026-02-20 | 2026-02-18 | 0001104659-26-018105 ↗ |
| 8-K | 2026-02-03 | 2026-02-03 | 0001104659-26-009730 ↗ |
| 8-K | 2025-11-20 | 2025-11-19 | 0001104659-25-114509 ↗ |
| 10-Q | 2025-11-12 | 2025-09-30 | 0001104659-25-110121 ↗ |
| 8-K | 2025-11-07 | 2025-11-06 | 0001104659-25-108221 ↗ |
| 8-K | 2025-08-21 | 2025-08-20 | 0001104659-25-081396 ↗ |