What is the 13F Pro Quality Score for UBCP?

13F Pro ranks UNITED BANCORP INC /OH/ (UBCP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UBCP's current score at https://13fpro.ai/research/UBCP (free sign-up required for the full ranking).

Where does 13F Pro source UBCP data?

All UNITED BANCORP INC /OH/ fundamentals and ownership data come directly from SEC EDGAR. UNITED BANCORP INC /OH/ files with the SEC under CIK 731653. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UBCP in?

UNITED BANCORP INC /OH/ (UBCP) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UBCP research updated on 13F Pro?

UBCP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITED BANCORP INC /OH/(UBCP)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Limited institutional coverage

Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 32 institutional filers currently hold this stock.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

UBCP Stock Analysis & AI Quality Score

AI stock analysis and institutional research for UNITED BANCORP INC /OH/ (UBCP), a Financials sector company. UBCP is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 32 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), UNITED BANCORP INC /OH/ reports quarterly revenue of $6.5M, net income of $1.9M, an operating margin of 26.9%. Top institutional holders of UBCP by reported 13-F value include VANGUARD CAPITAL MANAGEMENT, Commonwealth Financial Services,, GEODE CAPITAL MANAGEMENT,, based on the most recent SEC filings. UBCP trades on the Nasdaq exchange and files with the SEC under CIK 731653. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UBCP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITED BANCORP INC /OH/ directly from SEC EDGAR.

Revenue

Q1 2026

$6.5M

Net Income

Q1 2026

$1.9M

Free Cash Flow

Q1 2026

$-1.8M

Operating Margin

Q1 2026

26.9%

ROIC

Q1 2026

2.6%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+4.7% YoY

$7.8MFY 2025

FY22 $8.7MFY23 $8.9MFY24 $7.4MFY25 $7.8M

EPS (Diluted)

+5.5% YoY

$1.34FY 2025

FY22 $1.50FY23 $1.57FY24 $1.27FY25 $1.34

Total Assets

+5.0% YoY

$857.4MFY 2025

FY22 $757.4MFY23 $819.4MFY24 $816.7MFY25 $857.4M

Total Debt

—FY 2025

FY22 —FY23 —FY24 —FY25 —

Op. Cash Flow

+23.8% YoY

$10.5MFY 2025

FY22 $8.5MFY23 $9.5MFY24 $8.4MFY25 $10.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Net Income	$7.8M +4.7%	$7.4M -17.3%	$8.9M +3.4%	$8.7M +8.9%	$8.0M +16.8%	$6.8M
EPS (Diluted)	$1.34 +5.5%	$1.27 -19.1%	$1.57 +4.7%	$1.50 +7.9%	$1.39 +16.8%	$1.19
Total Assets	$857.4M +5.0%	$816.7M -0.3%	$819.4M +8.2%	$757.4M +9.2%	$693.4M +1.1%	$685.7M
Total Debt	—	—	—	—	$12.7M +83.7%	$6.9M
Operating Cash Flow	$10.5M +23.8%	$8.4M -10.7%	$9.5M +11.6%	$8.5M -9.5%	$9.4M +8.7%	$8.6M

AI Insight: UBCP Financial Trends

UBCP maintained flat net income at $2M per quarter across 8 quarters while operating cash flow deteriorated and equity volatility persisted.

• Net income remained constant at $2M every quarter from Q2 2024 through Q1 2026 — no growth or decline.

• Operating cash flow averaged $1.9M over 8 quarters but shows no directional trend; ranged from $0M to $5M.

• Equity fluctuated between $60M and $71M with no sustained direction; Q1 2026 equity of $67M below Q4 2025 peak of $71M.

⚠ Operating cash flow collapsed to $0M in Q1 2026, the weakest on record — potential liquidity concern.

⚠ Equity volatility and lack of net income growth raise questions about underlying business momentum and capital management.

AI Insight: UBCP Ratio Trends

ROIC has contracted 80 bps from peak of 13.0% in Q2 2025 to 10.4% in Q1 2026, signaling deteriorating capital efficiency.

• ROE peaked at 12.8% in Q2 2025, then declined to 11.3% in Q1 2026 — a 150 bp reversal over two quarters.

• ROA has remained flat at 0.9% across all nine periods — no improvement in asset productivity.

⚠ ROIC fell from 13.0% (Q2 2025) to 10.4% (Q1 2026) — steepest decline in the dataset; first dip below 11% since Q3 2024.

⚠ Q1 2026 ROE and ROIC both tracking below Q2 2024 baselines despite 18-month span — potential asset quality or margin pressure.

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Available Research

13F Pro tracks comprehensive data for UNITED BANCORP INC /OH/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UBCP

VANGUARD CAPITAL MANAGEMENT LLC
$1.4M90,909 sh
Commonwealth Financial Services, LLC
$1.3M87,355 sh
GEODE CAPITAL MANAGEMENT, LLC
$755.7K49,669 sh
DIMENSIONAL FUND ADVISORS LP
$686.8K45,156 sh
Post Resch Tallon Group Inc.
$656.7K43,175 sh
BAHL & GAYNOR INC
$609.2K40,050 sh
Vawter Financial, Ltd.
$552.6K36,329 sh
Appalachian Capital Management Ltd
$507.6K33,372 sh
VANGUARD FIDUCIARY TRUST CO
$488.2K32,097 sh
WESBANCO BANK INC
$477.0K31,360 sh

Fund	Value	Shares
VANGUARD CAPITAL MANAGEMENT LLC	$1.4M	90,909
Commonwealth Financial Services, LLC	$1.3M	87,355
GEODE CAPITAL MANAGEMENT, LLC	$755.7K	49,669
DIMENSIONAL FUND ADVISORS LP	$686.8K	45,156
Post Resch Tallon Group Inc.	$656.7K	43,175
BAHL & GAYNOR INC	$609.2K	40,050
Vawter Financial, Ltd.	$552.6K	36,329
Appalachian Capital Management Ltd	$507.6K	33,372
VANGUARD FIDUCIARY TRUST CO	$488.2K	32,097
WESBANCO BANK INC	$477.0K	31,360

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Is UBCP a good stock to buy?

13F Pro's AI-powered analysis of UNITED BANCORP INC /OH/ (UBCP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UBCP are available on the UBCP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UBCP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UBCP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITED BANCORP INC /OH/'s investment landscape.