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. At December 31, 2016 the Company has one wholly-owned subsidiary bank, The Citizens Savings Bank, Martins Ferry, Ohio (Citizens, or the Bank). The Bank operates two divisions for marketing purposes, The Community Bank, a division of The Citizens Savings Bank and The Citizens Bank, a division of The Citizens Savings Bank. Citizens 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.  ... More ...  

Per Share Overview

Date 12-mos Rolling EPS Dividend P/E Ratio
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
03/20160.740.10012.26
12/20150.710.05013.51
09/20150.620.09014.62

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2016 Leverage 2016
Net Inc/Comm Equity0.15Total Liab/Total Assets0.90
Net Inc/Total Assets0.01Total Liab/Inv Cap1.02
Net Inc/Inv Cap0.01Total Liab/Comm Equity16.89
Pretax Inc/Net Sales0.25Interest Coverage Ratio6.06
Net Inc/Net Sales0.18Curr Debt/Equity1.15
Cash Flow/Net Sales0.21LTD/EquityNA
SG&A/NetSales0.64Total Debt/Equity1.15
Asset Utilization   Liquidity  
Net Receivables Turnover24.73Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E1.66  

Income Statement (Millions)

  6/30/2017 3/31/2017 12/31/2016 9/30/2016
Total Revenues(Net Sales) 5.16 5.02 5.10 5.22
Cost of Goods Sold 0.30 0.23 0.19 0.18
Selling & Admin Exps 3.37 3.33 3.33 3.35
Operating Income NA NA NA NA
Interest Exp 0.14 0.21 0.25 0.25
Pretax Income 1.33 1.22 1.33 1.31
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 0.92 0.85 0.90 0.93

Balance Sheet (Millions)

Assets 6/30/2017 3/31/2017 12/31/2016 9/30/2016
Cash & Short Term Investments 63.84 59.55 55.47 49.22
Receivables - Total 0.76 0.83 0.84 0.79
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 12.15 12.27 12.22 12.12
Total Assets 448.67 440.85 438.02 425.52
Liabilities        
Accounts Payable 3.70 2.91 3.20 3.35
Debt in Current Liabilities 23.28 30.88 49.25 47.16
Total Current Liabilities NA NA NA NA
Long-Term Debt NA NA NA NA
Total Liabilities 405.02 397.73 395.38 382.75
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock 0.00 0.00 0.00 0.00
Common Stock 5.43 5.43 5.43 5.43
Retained Earnings 23.06 22.74 22.48 22.45
Treasury Stock -0.05 -0.05 -0.05 -0.05
Total Stockholders' Equity 43.65 43.12 42.64 42.77
Total Liabilities and Stockholders' Equity 448.67 440.85 438.02 425.52

Cash Flow Summary (Millions)

Categories 6/30/2017 3/31/2017 12/31/2016 9/30/2016
Net Cash Provided by Operating Activities 1.23 0.12 1.28 1.36
Net Cash Provided by Investing Activities -2.72 2.68 -14.90 -2.28
Net Cash Provided by Financing Activities 5.90 2.05 11.91 4.38

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/201221.402.400.48
12/201321.242.610.53
12/201420.082.650.53
12/201519.883.220.71
12/201620.323.580.71
Growth Rates-1.3010.5410.28

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional09/30/171771913.26




Report Date : 10/16/2017

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