United Bancorp Future Growth

Future criteria checks 1/6

United Bancorp is forecast to grow earnings and revenue by 12.4% and 2.2% per annum respectively. EPS is expected to grow by 12.5% per annum. Return on equity is forecast to be 14% in 3 years.

Key information

12.4%

Earnings growth rate

12.5%

EPS growth rate

Banks earnings growth	10.7%
Revenue growth rate	2.2%
Future return on equity	14.0%
Analyst coverage	Low
Last updated	13 Nov 2024

Recent future growth updates

Recent updates

United Bancorp's (NASDAQ:UBCP) Shareholders Will Receive A Bigger Dividend Than Last Year

Dec 02

United Bancorp's (NASDAQ:UBCP) Upcoming Dividend Will Be Larger Than Last Year's

May 09

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.165

Apr 25

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.3125

Feb 26

United Bancorp (NASDAQ:UBCP) Is Paying Out A Larger Dividend Than Last Year

Nov 22

United Bancorp (NASDAQ:UBCP) Will Pay A Larger Dividend Than Last Year At $0.1575

Aug 21

United Bancorp declares $0.1575 dividend

Aug 18

United Bancorp GAAP EPS of $0.40, revenue of $6.96M

Aug 03

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To US$0.15

May 12

United Bancorp's (NASDAQ:UBCP) Shareholders Will Receive A Bigger Dividend Than Last Year

Apr 25

United Bancorp: Special Dividend, Sixth Dividend Hike In Past 12 Months, 4.4% Yield Now

Feb 23

United Bancorp (NASDAQ:UBCP) Has Announced That It Will Be Increasing Its Dividend To US$0.30

Feb 22

United Bancorp: 19%-Plus EPS Above Consensus, 4.1% Dividend Yield, 30% Upside

Feb 16

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To US$0.15

Nov 23

United Bancorp: Fourth Dividend Hike YTD, 4.5% Div Yield, +41% Q3 EPS

Nov 22

United Bancorp: +41% Q3 EPS, 4.6% Dividend Yield, Strong Internal Metrics

Nov 09

United Bancorp: 4.8% Dividend Yield After 3rd Hike This Year Reinforces Dividend Thesis

Aug 25

United Bancorp's (NASDAQ:UBCP) Dividend Will Be Increased To US$0.15

Aug 23

United Bancorp: +31% Q2 EPS, 4.5% Dividend Yield, 18% EPS 5-Year CAGR, 50% Upside

Aug 05

United Bancorp: +21% Q1 EPS, 4.4% Dividend Yield, 18% EPS 5-Year CAGR, 35% Upside

May 06

The Compensation For United Bancorp, Inc.'s (NASDAQ:UBCP) CEO Looks Deserved And Here's Why

Apr 15

Be Sure To Check Out United Bancorp, Inc. (NASDAQ:UBCP) Before It Goes Ex-Dividend

Mar 04

If You Like EPS Growth Then Check Out United Bancorp (NASDAQ:UBCP) Before It's Too Late

Feb 10

United Bancorp (NASDAQ:UBCP) Has Compensated Shareholders With A Respectable 84% Return On Their Investment

Dec 31

Be Sure To Check Out United Bancorp, Inc. (NASDAQ:UBCP) Before It Goes Ex-Dividend

Dec 04

Earnings and Revenue Growth Forecasts

NasdaqCM:UBCP - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	28	9	N/A	N/A	1
12/31/2025	26	8	N/A	N/A	1
12/31/2024	24	7	N/A	N/A	1
9/30/2024	29	8	0	10	N/A
6/30/2024	30	8	4	8	N/A
3/31/2024	30	9	8	12	N/A
12/31/2023	30	9	8	9	N/A
9/30/2023	30	8	9	10	N/A
6/30/2023	30	8	9	10	N/A
3/31/2023	30	8	4	4	N/A
12/31/2022	29	8	8	8	N/A
9/30/2022	29	8	7	7	N/A
6/30/2022	30	9	6	7	N/A
3/31/2022	30	9	11	12	N/A
12/31/2021	29	9	7	8	N/A
9/30/2021	29	9	8	9	N/A
6/30/2021	27	8	9	10	N/A
3/31/2021	27	8	7	9	N/A
12/31/2020	26	8	7	9	N/A
9/30/2020	25	7	7	9	N/A
6/30/2020	24	7	4	7	N/A
3/31/2020	24	7	8	10	N/A
12/31/2019	24	7	7	9	N/A
9/30/2019	24	5	7	8	N/A
6/30/2019	23	5	7	8	N/A
3/31/2019	22	5	5	6	N/A
12/31/2018	21	4	5	6	N/A
9/30/2018	21	4	5	6	N/A
6/30/2018	20	4	N/A	5	N/A
3/31/2018	20	4	N/A	5	N/A
12/31/2017	19	3	N/A	5	N/A
9/30/2017	19	4	N/A	4	N/A
6/30/2017	19	4	N/A	4	N/A
3/31/2017	18	4	N/A	4	N/A
12/31/2016	18	4	N/A	4	N/A
9/30/2016	18	3	N/A	4	N/A
6/30/2016	18	3	N/A	4	N/A
3/31/2016	17	3	N/A	4	N/A
12/31/2015	17	3	N/A	4	N/A
9/30/2015	17	3	N/A	5	N/A
6/30/2015	17	3	N/A	5	N/A
3/31/2015	17	3	N/A	5	N/A
12/31/2014	17	3	N/A	4	N/A
9/30/2014	17	2	N/A	6	N/A
6/30/2014	18	3	N/A	6	N/A
3/31/2014	17	3	N/A	7	N/A
12/31/2013	17	3	N/A	7	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UBCP's forecast earnings growth (12.4% per year) is above the savings rate (2.6%).

Earnings vs Market: UBCP's earnings (12.4% per year) are forecast to grow slower than the US market (15.3% per year).

High Growth Earnings: UBCP's earnings are forecast to grow, but not significantly.

Revenue vs Market: UBCP's revenue (2.2% per year) is forecast to grow slower than the US market (9.2% per year).

High Growth Revenue: UBCP's revenue (2.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: UBCP's Return on Equity is forecast to be low in 3 years time (14%).

Discover growth companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 09:11
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United Bancorp, Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Sandy Mehta	Evaluate Research Limited

United Bancorp Future Growth

Future criteria checks 1/6

Key information

Recent future growth updates

Consensus EPS estimates fall by 14%

Price target decreased by 9.1% to US$20.00

Price target increased to US$22.00

Price target increased to US$22.00

Price target increased to US$20.00

Recent updates

United Bancorp's (NASDAQ:UBCP) Shareholders Will Receive A Bigger Dividend Than Last Year

Third quarter dividend of US$0.18 announced

United Bancorp, Inc. Increases Its Fourth Quarter Cash Dividend Payment, Payable on December 20, 2024

Third quarter 2024 earnings released: EPS: US$0.32 (vs US$0.42 in 3Q 2023)

Investor sentiment improves as stock rises 17%

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.1775

Second quarter dividend of US$0.18 announced

United Bancorp, Inc. Declares Third Quarter Dividend, Payable on September 20, 2024

Second quarter 2024 earnings released: EPS: US$0.31 (vs US$0.41 in 2Q 2023)

New minor risk - Shareholder dilution

Upcoming dividend of US$0.17 per share

Consensus EPS estimates fall by 14%

First quarter 2024 earnings released: EPS: US$0.36 (vs US$0.33 in 1Q 2023)

United Bancorp, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2024

United Bancorp (NASDAQ:UBCP) Is Due To Pay A Dividend Of $0.175

Fourth quarter dividend increased to US$0.17

United Bancorp, Inc. Declares Second Quarter Dividend, Payable on June 20, 2024

Investor sentiment improves as stock rises 15%

United Bancorp, Inc., Annual General Meeting, Apr 17, 2024

Upcoming dividend of US$0.32 per share

Fourth quarter dividend of US$0.32 announced

United Bancorp, Inc. Announces Special Dividend, Payable on March 20, 2024

Full year 2023 earnings released: EPS: US$1.63 (vs US$1.51 in FY 2022)

Investor sentiment improves as stock rises 21%

Upcoming dividend of US$0.17 per share at 7.5% yield

United Bancorp, Inc. Announces Board Changes

United Bancorp, Inc. Announces Board Changes

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.17

United Bancorp, Inc. Increases Cash Dividend for the Fourth Quarter, Payable on December 20, 2023

Third quarter 2023 earnings released: EPS: US$0.44 (vs US$0.40 in 3Q 2022)

Price target decreased by 9.1% to US$20.00

Upcoming dividend of US$0.17 per share at 7.0% yield

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.1675

United Bancorp, Inc. Declares Third Quarter Dividend, Payable on September 20, 2023

Second quarter 2023 earnings released: EPS: US$0.41 (vs US$0.41 in 2Q 2022)

Upcoming dividend of US$0.17 per share at 7.1% yield

United Bancorp's (NASDAQ:UBCP) Upcoming Dividend Will Be Larger Than Last Year's

First quarter 2023 earnings released: EPS: US$0.33 (vs US$0.31 in 1Q 2022)

United Bancorp, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2023

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.165

Full year 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

Investor sentiment deteriorates as stock falls 15%

Upcoming dividend of US$0.31 per share at 5.3% yield

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To $0.3125

Upcoming dividend of US$0.16 per share

United Bancorp (NASDAQ:UBCP) Is Paying Out A Larger Dividend Than Last Year

Third quarter 2022 earnings released: EPS: US$0.42 (vs US$0.50 in 3Q 2021)

United Bancorp, Inc. Increases Its Fourth Quarter Cash Dividend Payment, Payable on December 20, 2022

Price target increased to US$22.00

Insufficient new directors

Third quarter 2022 earnings released: EPS: US$0.42 (vs US$0.50 in 3Q 2021)

Upcoming dividend of US$0.16 per share

United Bancorp, Inc. Declares Dividend for the Third Quarter of 2022, Payable on September 20, 2022

United Bancorp (NASDAQ:UBCP) Will Pay A Larger Dividend Than Last Year At $0.1575

United Bancorp declares $0.1575 dividend

Second quarter 2022 earnings released: EPS: US$0.42 (vs US$0.38 in 2Q 2021)

United Bancorp GAAP EPS of $0.40, revenue of $6.96M

Upcoming dividend of US$0.15 per share

Independent Chairman of the Board recently sold US$51k worth of stock

United Bancorp (NASDAQ:UBCP) Is Increasing Its Dividend To US$0.15

Price target increased to US$22.00

Insufficient new directors

United Bancorp's (NASDAQ:UBCP) Shareholders Will Receive A Bigger Dividend Than Last Year

United Bancorp, Inc. Declares Second Quarter Dividend, Payable on June 17, 2022

Upcoming dividend of US$0.30 per share

United Bancorp: Special Dividend, Sixth Dividend Hike In Past 12 Months, 4.4% Yield Now

United Bancorp (NASDAQ:UBCP) Has Announced That It Will Be Increasing Its Dividend To US$0.30

United Bancorp, Inc. Approves One-Time Special Dividend, Payable on March 18, 2022

United Bancorp: 19%-Plus EPS Above Consensus, 4.1% Dividend Yield, 30% Upside

Upcoming dividend of US$0.15 per share