Company Information

  

Address: 201 SOUTH FOURTH STREET
P O BOX 10 
City: MARTINS FERRY 
State: OH 
Zip Code: 43935 
Telephone: 740-633-0445 

Description of Business

Primary SIC Code: 6022
(As filed with the SEC)  

United Bancorp, Inc. (Company) is a bank holding company headquartered in Martins Ferry, Ohio. The Company is an Ohio corporation which filed its initial articles of incorporation on July 8, 1983. At December 31, 2017 the Company has one wholly-owned subsidiary bank, Unified Bank, Martins Ferry, Ohio (Unified, or the Bank). Unified serves customers in northeastern, eastern, southeastern and south central Ohio and is engaged in the business of commercial and retail banking in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The Bank provides a broad range of banking and financial services, which includes accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. Unified conducts its business through its main office and stand alone operations center in Martins Ferry, Ohio and eighteen branches located in the counties mentioned above.  ... More ...  

Per Share Overview

Date 12-mos Rolling EPS Dividend P/E Ratio
03/20180.770.13016.81
12/20170.710.12018.66
09/20170.730.12016.44
06/20170.720.11016.94
03/20170.720.11017.08
12/20160.710.11019.01
09/20160.590.11018.44
06/20160.760.10012.86

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2017 Leverage 2017
Net Inc/Comm Equity0.15Total Liab/Total Assets0.90
Net Inc/Total Assets0.01Total Liab/Inv Cap0.95
Net Inc/Inv Cap0.01Total Liab/Comm Equity17.75
Pretax Inc/Net Sales0.26Interest Coverage Ratio11.26
Net Inc/Net Sales0.17Curr Debt/Equity0.48
Cash Flow/Net Sales0.22LTD/EquityNA
SG&A/NetSales0.65Total Debt/Equity0.48
Asset Utilization   Liquidity  
Net Receivables Turnover23.03Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E1.74  

Income Statement (Millions)

  3/31/2018 12/31/2017 9/30/2017 6/30/2017
Total Revenues(Net Sales) 5.51 5.45 5.48 5.16
Cost of Goods Sold 0.46 0.36 0.34 0.30
Selling & Admin Exps 3.58 3.48 3.47 3.37
Operating Income NA NA NA NA
Interest Exp 0.07 0.08 0.11 0.14
Pretax Income 1.35 1.50 1.54 1.33
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 1.15 0.78 1.00 0.92

Balance Sheet (Millions)

Assets 3/31/2018 12/31/2017 9/30/2017 6/30/2017
Cash & Short Term Investments 90.00 63.44 66.40 63.84
Receivables - Total 1.07 0.99 0.91 0.76
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 12.30 12.14 12.30 12.15
Total Assets 488.38 459.33 454.51 448.67
Liabilities        
Accounts Payable 12.14 4.24 3.98 3.70
Debt in Current Liabilities 23.78 21.11 21.45 23.28
Total Current Liabilities NA NA NA NA
Long-Term Debt NA NA NA NA
Total Liabilities 444.10 415.44 410.40 405.02
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock 0.00 0.00 0.00 0.00
Common Stock 5.56 5.44 5.44 5.43
Retained Earnings 23.74 23.26 23.40 23.06
Treasury Stock -0.05 -0.05 -0.05 -0.05
Total Stockholders' Equity 44.27 43.90 44.12 43.65
Total Liabilities and Stockholders' Equity 488.38 459.33 454.51 448.67

Cash Flow Summary (Millions)

Categories 3/31/2018 12/31/2017 9/30/2017 6/30/2017
Net Cash Provided by Operating Activities 0.86 1.83 1.40 1.23
Net Cash Provided by Investing Activities -20.46 -14.47 -3.53 -2.72
Net Cash Provided by Financing Activities 20.05 3.85 4.45 5.90

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/201321.242.610.53
12/201420.082.650.53
12/201519.883.220.71
12/201620.323.580.71
12/201721.103.550.71
Growth Rates-0.167.947.58

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional03/31/182064611.63




Report Date : 6/18/2018

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