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UNITED BANCORP

Full company profile

uuid0006hcb

Namestring
UNITED BANCORP
Legal namestring
United Bancorp, Inc.
Websiteurl
unitedbancorp.com
Company typeenum
Public
Founded yearint
1969
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersPrinceton, United States
HQ citystring
Princeton
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
community banking services, commercial lending, retail banking, residential mortgage loans, deposit account services
Industry2 codes
1Mass-Market Consumer Deposit Banking (Checking/Savings)
CodeFSABAAAAPrimaryYes
2Bank & Credit Union Personal Loans (Unsecured Installment)
CodeFSAKAAALPrimaryNo
NAICS code1 code
  • Commercial Banking52211
SIC code1 code
  • State Commercial Banks6022
Product category
Community Banking
Social media profiles1 record
Revenue model3 records
1Interest Income
TypeSubscription Recurring
Description

Interest income from lending activities including commercial, residential, and installment loans. This is the primary revenue driver for the regional bank.

stocktitan.net
2Non-Interest Income
TypeProfessional Services
Description

Fee income from banking services, deposit accounts, and other financial services offered to customers.

stocktitan.net
3Net Interest Income
TypeSubscription Recurring
Description

The company expanded net interest income by $1,659,000 (6.7%) and grew net interest margin to 3.70% as of December 31, 2025.

morningstar.com
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Personnel, Operations, Infrastructure, Technology or R&D
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Core offering1 text field

United Bancorp, through its subsidiary Unified Bank, operates a community banking franchise offering deposit accounts, commercial lending, residential mortgage loans, and installment loans to individuals, families, and businesses in the Ohio Valley region. The company funds these activities through 18 banking offices and supporting digital and online banking services. Lending and deposit gathering form the foundation of the franchise.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 4 values shown
  • Net income of $1,911,000 in Q1 2026, up 2.1% year-over-year
+3 more records
Product overview1 text field

United Bancorp, Inc. operates as a regional bank holding company with a single bank charter through its subsidiary Unified Bank (formerly The Citizens Savings Bank). The company offers traditional banking products and services including deposit accounts and lending products through its network of 18 banking offices. The company is publicly traded on NASDAQ under the symbol UBCP and is part of the Russell Microcap Index. The company does not offer a technology platform or software-as-a-service products; its offerings are limited to conventional financial services.

Product and service6 records
1Commercial Lending
CategoryCommercial Banking
2Residential Mortgage Loans
CategoryRetail Lending
3Installment Loans
CategoryConsumer Lending
4Deposit Account Services
CategoryRetail Banking
5Digital and Online Banking
CategoryBanking Channels
6Unified Bank Banking Services
CategoryCommunity Banking
Scale indicator9 records

Each record includes

Type, Value, Description, Source

Recent move9 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight5 records

Each record includes

Type, Description

Peers10 records
1First National Corporation
TypeDirect peer
Description

Virginia-based community bank holding company with similar scale and traditional banking focus. Operates branch-based retail and commercial banking with comparable regional concentration.

2MidWestOne Financial Group
TypeDirect peer
Description

Iowa-based community bank holding company offering traditional commercial and retail banking products. Similar scale and operating philosophy focused on regional markets outside major metropolitan areas.

3Orrstown Financial Services
TypeDirect peer
Description

Pennsylvania-based community bank holding company of comparable scale, providing commercial and retail banking services. Similar traditional business model focused on relationship lending in a regional footprint.

4Penns Woods Bancorp
TypeDirect peer
Description

Pennsylvania community bank holding company with similar size and business mix including commercial lending, retail banking, and wealth services. Operates through traditional branch network serving rural/small-town markets similar to Ohio Valley.

5ACNB Corporation
TypeDirect peer
Description

Small community bank holding company in south-central Pennsylvania with similar balance sheet scale (~$2.5B in assets). Operates a traditional community banking model focused on commercial and retail lending with comparable regional concentration.

6C&F Financial Corporation
TypeDirect peer
Description

Virginia community bank holding company with similar business mix of retail and commercial banking. Comparable in size and traditional branch-based service model targeting regional markets.

7United Community Banks
TypeBroad incumbent
Description

Larger Southeast-focused regional bank holding company (~$27B assets) offering similar commercial and retail banking products. While much larger, it represents the scale trajectory United Bancorp could pursue through consolidation and organic growth.

8First Bank (NJ)
TypeDirect peer
Description

New Jersey-based community bank serving similar SMB and consumer banking customers with comparable traditional branch-based model. Operates at similar scale with focus on relationship banking.

9Citizens & Northern Corporation
TypeDirect peer
Description

Pennsylvania-based community bank holding company operating similar full-service commercial and retail banking products. Comparable in scale (~$2B assets) and traditional community banking focus with multi-branch distribution.

10Peoples Bancorp of North Carolina
TypeDirect peer
Description

Small North Carolina community bank holding company with similar balance sheet scale and traditional banking focus. Serves similar SMB and retail customer base through branch network.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat5 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment1 record

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles9 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries1 record

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds4 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

UNITED BANCORP

Community Bankingunitedbancorp.com

UNITED BANCORP firmographics

Firmographics
Name
UNITED BANCORP
Legal name
United Bancorp, Inc.
Website
https://unitedbancorp.com
Company type
Public
Founded year
1969
Operating status
Operating
Headcount range
1–10 employees
Ownership category
akta.pro rank

UNITED BANCORP industry classification

Industry
Product category
Community Banking
NAICS
Commercial Banking (52211)
SIC
State Commercial Banks (6022)
akta.pro primary industry
Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industry
Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

  • Community banking services
  • Commercial lending
  • Retail banking
  • Residential mortgage loans
  • Deposit account services

Where UNITED BANCORP is headquartered

Location

Headquarters

HQ city
Princeton
HQ country
United States
HQ region
North America

Offices1 record

Markets served

UNITED BANCORP business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Operations, Infrastructure, Technology or R&D

Revenue model

  1. Interest Income: Interest income from lending activities including commercial, residential, and installment loans. This is the primary revenue driver for the regional bank.
  2. Non-Interest Income: Fee income from banking services, deposit accounts, and other financial services offered to customers.
  3. Net Interest Income: The company expanded net interest income by $1,659,000 (6.7%) and grew net interest margin to 3.70% as of December 31, 2025.

Distribution channels2 records

Marketing channels3 records

UNITED BANCORP product offering

Product offering

Core offering

United Bancorp, through its subsidiary Unified Bank, operates a community banking franchise offering deposit accounts, commercial lending, residential mortgage loans, and installment loans to individuals, families, and businesses in the Ohio Valley region. The company funds these activities through 18 banking offices and supporting digital and online banking services. Lending and deposit gathering form the foundation of the franchise.

Product overview

United Bancorp, Inc. operates as a regional bank holding company with a single bank charter through its subsidiary Unified Bank (formerly The Citizens Savings Bank). The company offers traditional banking products and services including deposit accounts and lending products through its network of 18 banking offices. The company is publicly traded on NASDAQ under the symbol UBCP and is part of the Russell Microcap Index. The company does not offer a technology platform or software-as-a-service products; its offerings are limited to conventional financial services.

Differentiator

Problem solved

Functional benefit

Products and services

  • Commercial Lending
  • Residential Mortgage Loans
  • Installment Loans
  • Deposit Account Services
  • Digital and Online Banking
  • Unified Bank Banking Services

Quantifiable outcome

  • Net income of $1,911,000 in Q1 2026, up 2.1% year-over-year
  • +3 more outcomes

Companies that use UNITED BANCORP

Customer profile

Segments1 record

Ideal customer profiles1 record

UNITED BANCORP technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

UNITED BANCORP partnerships and signals

Strategic signal

Scale indicators9 records

Recent moves9 records

Expansion highlights5 records

UNITED BANCORP competitors and assessment

Company assessment

Direct peers

  • First National Corporation: Virginia-based community bank holding company with similar scale and traditional banking focus. Operates branch-based retail and commercial banking with comparable regional concentration.
  • MidWestOne Financial Group: Iowa-based community bank holding company offering traditional commercial and retail banking products. Similar scale and operating philosophy focused on regional markets outside major metropolitan areas.
  • Orrstown Financial Services: Pennsylvania-based community bank holding company of comparable scale, providing commercial and retail banking services. Similar traditional business model focused on relationship lending in a regional footprint.
  • Penns Woods Bancorp: Pennsylvania community bank holding company with similar size and business mix including commercial lending, retail banking, and wealth services. Operates through traditional branch network serving rural/small-town markets similar to Ohio Valley.
  • ACNB Corporation: Small community bank holding company in south-central Pennsylvania with similar balance sheet scale (~$2.5B in assets). Operates a traditional community banking model focused on commercial and retail lending with comparable regional concentration.
  • C&F Financial Corporation: Virginia community bank holding company with similar business mix of retail and commercial banking. Comparable in size and traditional branch-based service model targeting regional markets.
  • First Bank (NJ): New Jersey-based community bank serving similar SMB and consumer banking customers with comparable traditional branch-based model. Operates at similar scale with focus on relationship banking.
  • Citizens & Northern Corporation: Pennsylvania-based community bank holding company operating similar full-service commercial and retail banking products. Comparable in scale (~$2B assets) and traditional community banking focus with multi-branch distribution.
  • Peoples Bancorp of North Carolina: Small North Carolina community bank holding company with similar balance sheet scale and traditional banking focus. Serves similar SMB and retail customer base through branch network.

Broad incumbents

  • United Community Banks: Larger Southeast-focused regional bank holding company (~$27B assets) offering similar commercial and retail banking products. While much larger, it represents the scale trajectory United Bancorp could pursue through consolidation and organic growth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

UNITED BANCORP social profiles

Digital presence

UNITED BANCORP financial estimates

Financial estimate

Revenue estimate

Valuation estimate

UNITED BANCORP leadership team

Management profile

Number of profiles

Profiles9 records

UNITED BANCORP subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

UNITED BANCORP funding detail

Funding detail

Funding overview

Funding rounds4 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

UNITED BANCORP M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UNITED BANCORP

What does UNITED BANCORP do?

United Bancorp, through its subsidiary Unified Bank, operates a community banking franchise offering deposit accounts, commercial lending, residential mortgage loans, and installment loans to individuals, families, and businesses in the Ohio Valley region. The company funds these activities through 18 banking offices and supporting digital and online banking services. Lending and deposit gathering form the foundation of the franchise.

Is UNITED BANCORP a public or private company?

UNITED BANCORP is a public company. It is classified as public and is currently operating.

When was UNITED BANCORP founded?

UNITED BANCORP was founded in 1969. It employs 1 to 10 people.

Where is UNITED BANCORP based?

UNITED BANCORP is headquartered in Princeton, United States, in the North America region.

How does UNITED BANCORP make money?

Three revenue lines are on record. Interest Income is the primary driver. The others are non-Interest Income and net Interest Income.

Who are UNITED BANCORP's main competitors?

Direct peers on record are First National Corporation, MidWestOne Financial Group, Orrstown Financial Services, Penns Woods Bancorp, ACNB Corporation, C&F Financial Corporation, First Bank (NJ), Citizens & Northern Corporation and Peoples Bancorp of North Carolina. United Community Banks is listed as a broad incumbent.

Does UNITED BANCORP have an API?

No public API is recorded for UNITED BANCORP.

What industry is UNITED BANCORP in?

UNITED BANCORP's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52211 and its SIC code is 6022.

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Live signals
Ticker ReportUnited Bancorp (NASDAQ:UBCP) versus Great Southern Bancorp (NASDAQ:GSBC) Critical ReviewGreat Southern Bancorp beats United Bancorp on 12 of 16 factors, including higher revenue and earnings. United Bancorp offers a higher dividend yield and lower valuation, while Great Southern has stronger institutional ownership. Analysts favor Great Southern, citing a consensus price target of $74.00.FinancialContent Business PageUnited Bancorp, Inc. Increases its Third Quarter Cash Dividend Payment to $0.1975 per Share, Which Produces a Forward Yield of 5.0%United Bancorp, Inc. declared a third-quarter cash dividend of $0.1975 per share, representing a 5.3% increase over the previous year's rate and yielding a forward return of 5.0%. The company, which operates Unified Bank across Ohio and West Virginia, has increased its year-to-date total cash dividends by 4.1% compared to the same period last year.Stock TitanUnited Bancorp Raises Q3 Dividend to $0.1975United Bancorp, Inc. announced that its Board of Directors has declared a third-quarter cash dividend of $0.1975 per share, representing a 5.3% increase over the previous year's rate. This adjustment results in a forward yield of 5.0% based on the company's recent market value and contributes to a year-to-date total dividend payout that is up 4.1% compared to the same period last year.Markets DailyUnited Bancorp (NASDAQ:UBCP) Shares Cross Above Two Hundred Day Moving Average – Here’s WhyUnited Bancorp shares crossed above their 200-day moving average during Thursday trading, accompanied by Weiss Ratings upgrading the company's rating to "buy (b+)". The financial services provider recently reported quarterly earnings of $0.36 per share with revenue of $8.62 million, while institutional investors including BlackRock and Raffles Associates increased their stakes in the second quarter.Quiver QuantitativeUnited Bancorp Q2 Earnings Rise | Quiver QuantitativeUnited Bancorp, Inc. reported Q2 2026 net income of $2.1 million ($0.36 diluted EPS), representing a 9.41% increase from the prior-year quarter. For the first half of 2026, net income reached $4.0 million, up 5.79% year-over-year, with total assets of $878.0 million and deposits of $686.9 million. The company attributed the growth to increased deposits, higher net interest income, and infrastructure investments including banking center expansion and technology initiatives.FinancialContent Business PageUnited Bancorp, Inc. Reports Increases For 2026 Second Quarter and Six-Month Earnings PerformanceUnited Bancorp, Inc. reported increased second quarter and six-month earnings for 2026, with Q2 net income of $2,095,000 (up 9.4% year-over-year) and H1 net income of $4,006,000 (up 5.8% year-over-year), driven by growth in total assets to $878.0 million, an expanding net interest margin of 3.82%, and increased deposit levels of $686.9 million. The company noted some credit quality concerns with nonaccrual loans rising to $6.9 million due to one commercial loan relationship, but emphasized its strong capital position and continued investment in infrastructure, technology, and a new banking center in Wheeling, West Virginia.Stock TitanUnited Bancorp Q2 Earnings: EPS Rises 9.1% to $0.36United Bancorp, Inc. reported Q2 2026 diluted earnings per share of $0.36, a 9.1% increase year-over-year, with net income of $2,095,000; for the first six months of 2026, the company generated net income of $4,006,000, up 5.8% from the prior year. The company grew total assets by $30.1 million (3.6%) to $878 million and deposits by $44 million (6.8%) to $686.9 million, while net interest margin expanded 17 basis points to 3.82%. Non-accrual loans increased significantly to $6.4 million, driven by one commercial loan relationship classified as non-accrual in Q1 2026, though the company noted this does not indicate broader credit deterioration.Investing.comUnited Bancorp director Clark buys $22,559 in common stock By Investing.comUnited Bancorp Inc. director Jonathan C. Clark purchased 1,511 shares of common stock at $14.93 per share on May 27, 2026, totaling $22,559, bringing his direct holdings to 55,638 shares. The stock has delivered a 20.56% return over the past year and currently trades at $15.65 with a 7.4% dividend yield. Separately, United Bancorp held its annual shareholder meeting where five directors were elected and an auditor was approved.Investing.comUnited Bancorp director Erin S. Ball buys $9,435 in stock By Investing.comUnited Bancorp Inc director Erin S. Ball purchased 632 shares of the company's common stock on May 27, 2026, for a total of $9,435 at $14.93 per share. The stock has risen to $15.65, representing a 20.6% gain year-to-date, with the company maintaining a 7.4% dividend yield after paying dividends for 34 consecutive years. Following this transaction, Ms. Ball directly owns 17,812 shares of United Bancorp Inc common stock.Investing.comUnited Bancorp COO Branstetter buys $5,673 in company stock By Investing.comMatthew Fredrick Branstetter, Chief Operating Officer of United Bancorp Inc., purchased 380 shares of the company's common stock for $5,673 on May 27, 2026, bringing his total direct ownership to 60,128 shares. The $89.81 million market cap bank has delivered strong returns, gaining over 20% in the past year while trading at $15.84 per share. United Bancorp offers investors a 7.4% dividend yield and has maintained consecutive dividend payments for 34 years, with shareholders recently electing five directors and approving the company's auditor at its annual meeting.