UBCP – Dividend Returns, History & Calculator

Dividend Contender 12 Years

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers a range of banking and financial services, including accepting demand, savings, and time deposits, as we

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Company Info

Symbol UBCP
Company United Bancorp, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $77.1M

Price Data

Price $13.35
Price Change +0.26
Price Change % +1.97%
Next Earnings Nov 6, 2025
Low (52W) $12.03
High (52W) $15.64

Dividend Data

Div Yield 563.30%
5Y Avg Yield 642.26%
Current Div $0.188
Payouts/Year 4
Annualized $0.752
Previous Div $0.185
Ex-Date Sep 10, 2025

Growth Rates

Chowder Number 15.5
DGR 1Y 7.7%
DGR 3Y 5.9%
DGR 5Y 9.9%
DGR 10Y 9.7%

Total Returns

TTR 1Y - With Specials 23.0%
TTR 3Y - With Specials 4.0%
TTR 1Y - No Specials 20.0%
TTR 3Y - No Specials 3.2%

Fair Value

Fair Value (P/E 10) $12.82
FV (P/E 10) % 4.0%
Fair Value (Peter Lynch) $6.35
FV (Peter Lynch) % 110.0%
Fair Value (Blended) $14.23
FV (Blended) % -6.0%

Financial Metrics

Revenue 1Y -5.7%
NPM 59.1%
CF/Share $1.81
ROE 12.4%
Debt/Capital 63.0%
ROTC 6.2%
P/E 10.5x
P/BV 1.3x
PEG 0.60
📊 Financial data last updated: October 16, 2025 10:53 am

Calculate your UBCP Dividend Returns

Quickly and easily calculate UBCP dividend yield using our UBCP calculator. Adjust the fields below to see how your UBCP investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: October 17, 2025 3:30 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000752$13.30$0.195.65%5.65%$621$621889$11,821
2$12,241889$13.77$0.195.58%5.78%$741$1,3611,030$14,182
3$14,6861,030$14.26$0.205.52%5.92%$869$2,2301,175$16,755
4$17,3511,175$14.77$0.205.45%6.05%$1,006$3,2361,324$19,557
5$20,2531,324$15.30$0.215.38%6.19%$1,153$4,3891,478$22,606
6$23,4111,478$15.84$0.215.31%6.33%$1,310$5,6991,636$25,920
7$26,8421,636$16.40$0.225.25%6.47%$1,477$7,1761,800$29,519
8$30,5701,800$16.99$0.225.18%6.62%$1,655$8,8311,968$33,425
9$34,6141,968$17.59$0.235.12%6.77%$1,846$10,6772,141$37,660
10$39,0002,141$18.22$0.235.06%6.93%$2,049$12,7262,319$42,249

UBCP Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/10/202509/10/2025$0.1886.20%5.12%$14.69
06/10/202506/10/2025$0.1856.75%5.54%$13.35
03/10/202503/10/2025$0.3586.93%11.14%$12.86
12/10/202412/10/2024$0.1806.02%5.07%$14.21
09/10/202409/10/2024$0.1786.99%5.88%$12.11
06/10/202406/10/2024$0.1757.27%6.09%$11.50
03/07/202403/07/2024$0.3236.87%10.75%$12.02
12/07/202312/07/2023$0.1707.41%6.18%$11.01
09/07/202309/07/2023$0.1686.87%5.72%$11.74
06/08/202306/08/2023$0.1656.79%5.63%$11.73
03/09/202303/09/2023$0.3135.36%8.53%$14.67
12/08/202212/08/2022$0.1605.14%4.24%$15.09
09/08/202209/08/2022$0.1584.85%4.00%$15.80
06/09/202206/09/2022$0.1554.55%3.73%$16.60
03/09/202203/09/2022$0.3034.44%7.21%$16.82
12/09/202112/09/2021$0.1504.36%3.81%$15.74
09/09/202109/09/2021$0.1484.46%3.89%$15.23
06/09/202106/09/2021$0.1454.37%3.76%$15.44
03/09/202103/09/2021$0.2434.51%6.52%$14.91
12/09/202012/09/2020$0.1434.38%4.38%$13.05
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UBCP 10-yr Total Return ($10,000 invested)

This analysis of UBCP demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 10.4% CAGR, representing strong long-term performance. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (UBCP)

Over the selected period, investing $10,000 in UBCP would grow to $50,149 with DRIP (401.5%), and $37,405 without DRIP (274.1%).

UBCP Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in UBCP with historic price growth (3.59%) and dividend growth (2.28%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $115,504

Annual Dividend: $5,047

Yield on Cost: 14.84%

Total Dividends: $46,537

No DRIP

Portfolio: $83,870

Total Dividends: $28,688

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $263,984

Annual Dividend: $10,157

Yield on Cost: 22.08%

Total Dividends: $119,126

No DRIP

Portfolio: $151,139

Total Dividends: $58,185

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $19,866 against a total investment of $25,600. At this point, your portfolio is throwing off $2,839 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $3,990, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $46,537 versus $34,000 invested, nearly a 137% recovery of capital purely from income. Yield on cost reaches 14.84%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $7,258 is greater than total contributions to date ($40,000), and cumulative dividends exceed $76,575.

By year 30, the DRIP snowball is in full force. Yearly income reaches $10,157, cumulative dividends total $119,126, and the DRIP portfolio value stands at $263,984, compared with $151,139 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for UBCP, price $13.35, dividend per period $0.19 (4×/year), along with historic growth assumptions: price growth 3.59% and dividend growth 2.28% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for UBCP

Based on past 10-year performance, here are UBCP growth metrics:

Share price CAGR of +6.16%
Dividend CAGR of +9.73%

Using UBCP CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

UBCP (DRIP)UBCP (No DRIP)
Current Price$13.35$13.35
Start Shares749.06749.06
Start Value$10,000$10,000
After 10 years:
Final Share Count1,444.92749.34
Dividends Payment$1.90$1.90
Annual Dividends$2,550$1,426
Yield on cost25.50%14.26%
Share Price$24.27$24.27
Total Dividends$13,716$9,727
Final Value$35,067$27,913

Estimated Future Value + Dividends – UBCP

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

UBCP Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/10/202509/10/2025$0.1886.20%5.12%$14.69
06/10/202506/10/2025$0.1856.75%5.54%$13.35
03/10/202503/10/2025$0.3586.93%11.14%$12.86
12/10/202412/10/2024$0.1806.02%5.07%$14.21
09/10/202409/10/2024$0.1786.99%5.88%$12.11
06/10/202406/10/2024$0.1757.27%6.09%$11.50
03/07/202403/07/2024$0.3236.87%10.75%$12.02
12/07/202312/07/2023$0.1707.41%6.18%$11.01
09/07/202309/07/2023$0.1686.87%5.72%$11.74
06/08/202306/08/2023$0.1656.79%5.63%$11.73
03/09/202303/09/2023$0.3135.36%8.53%$14.67
12/08/202212/08/2022$0.1605.14%4.24%$15.09
09/08/202209/08/2022$0.1584.85%4.00%$15.80
06/09/202206/09/2022$0.1554.55%3.73%$16.60
03/09/202203/09/2022$0.3034.44%7.21%$16.82
12/09/202112/09/2021$0.1504.36%3.81%$15.74
09/09/202109/09/2021$0.1484.46%3.89%$15.23
06/09/202106/09/2021$0.1454.37%3.76%$15.44
03/09/202103/09/2021$0.2434.51%6.52%$14.91
12/09/202012/09/2020$0.1434.38%4.38%$13.05
09/09/202009/09/2020$0.1434.49%4.51%$12.67
06/09/202006/09/2020$0.1434.41%4.47%$12.79
03/09/202003/09/2020$0.1434.41%4.54%$12.60
12/09/201912/09/2019$0.1404.10%4.20%$13.32
09/09/201909/09/2019$0.1385.16%4.86%$11.36
06/07/201906/07/2019$0.1355.06%4.73%$11.42
03/07/201903/07/2019$0.1335.33%4.94%$10.76
12/07/201812/07/2018$0.1804.79%6.05%$11.91
09/07/201809/07/2018$0.1304.17%3.87%$13.44
06/07/201806/07/2018$0.1303.93%3.71%$14.00
03/08/201803/08/2018$0.1304.40%4.32%$12.05
12/07/201712/07/2017$0.1704.20%5.60%$12.15
09/07/201709/07/2017$0.1204.13%3.97%$12.10
06/07/201706/07/2017$0.1104.22%3.79%$11.60
03/08/201703/08/2017$0.1103.79%3.48%$12.65
12/07/201612/07/2016$0.1603.53%4.81%$13.30
09/07/201609/07/2016$0.1104.38%4.19%$10.50
06/08/201606/08/2016$0.1004.44%4.04%$9.91
03/04/201603/04/2016$0.1004.69%4.37%$9.16
12/04/201512/04/2015$0.1504.47%6.38%$9.40
09/03/201509/03/2015$0.0904.33%4.33%$8.31
06/08/201506/08/2015$0.0904.12%4.24%$8.50
03/06/201503/06/2015$0.0904.23%4.48%$8.04
12/05/201412/05/2014$0.0904.01%4.37%$8.23
09/05/201409/05/2014$0.0803.91%3.91%$8.18
06/06/201406/06/2014$0.0803.93%4.06%$7.88
03/06/201403/06/2014$0.0803.60%3.84%$8.34
11/25/201311/25/2013$0.0803.93%4.34%$7.37
09/06/201309/06/2013$0.0704.06%4.06%$6.90
06/06/201306/06/2013$0.0703.99%3.99%$7.02
03/06/201303/06/2013$0.0705.19%4.15%$6.75
11/21/201211/21/2012$0.0706.66%4.44%$6.31
08/30/201208/30/2012$0.0706.46%3.69%$7.58
05/17/201205/17/2012$0.1405.96%5.96%$9.39
03/01/201203/01/2012$0.1406.19%6.19%$9.05
11/22/201111/22/2011$0.1406.76%6.76%$8.29
08/31/201108/31/2011$0.1406.41%6.41%$8.74
05/18/201105/18/2011$0.1406.39%6.39%$8.76
03/02/201103/02/2011$0.1406.43%6.43%$8.71
11/23/201011/23/2010$0.1406.81%6.81%$8.22
09/01/201009/01/2010$0.1407.00%7.00%$8.00
05/19/201005/19/2010$0.1406.59%6.59%$8.50
03/03/201003/03/2010$0.1406.70%6.70%$8.36
11/24/200911/24/2009$0.1407.00%7.00%$8.00
09/02/200909/02/2009$0.1406.59%6.59%$8.50
05/20/200905/20/2009$0.1406.47%6.47%$8.66
03/04/200903/04/2009$0.1407.34%7.48%$7.49
11/25/200811/25/2008$0.1406.16%6.39%$8.77
09/03/200809/03/2008$0.1405.48%5.79%$9.67
05/21/200805/21/2008$0.1304.95%4.95%$10.50
03/05/200803/05/2008$0.1305.39%5.39%$9.64
11/28/200711/28/2007$0.1304.91%4.91%$10.59
09/05/200709/05/2007$0.1304.48%4.59%$11.34
05/23/200705/23/2007$0.1304.78%5.00%$10.39
03/07/200703/07/2007$0.1304.67%5.01%$10.37
11/29/200611/29/2006$0.1184.18%4.18%$11.30
09/06/200609/06/2006$0.1184.73%4.84%$9.76
05/24/200605/24/2006$0.1184.52%4.62%$10.23
03/08/200603/08/2006$0.1184.69%4.80%$9.85
11/30/200511/30/2005$0.1074.03%3.74%$11.46
09/06/200509/06/2005$0.1184.08%4.08%$11.59
05/25/200505/25/2005$0.1183.90%3.99%$11.85
03/04/200503/04/2005$0.1183.42%3.59%$13.18
12/01/200412/01/2004$0.1182.89%3.10%$15.23
09/03/200409/03/2004$0.1073.61%3.61%$11.91
05/26/200405/26/2004$0.1073.42%3.50%$12.26
03/05/200403/05/2004$0.1073.10%3.25%$13.22
11/28/200311/28/2003$0.1072.97%3.19%$13.47
09/04/200309/04/2003$0.0983.77%3.77%$10.36
05/28/200305/28/2003$0.0983.83%3.88%$10.07
03/06/200303/06/2003$0.0983.79%3.88%$10.08
11/27/200211/27/2002$0.0983.81%3.95%$9.88
08/28/200208/28/2002$0.0934.03%4.03%$9.23
05/29/200205/29/2002$0.0933.96%4.01%$9.29
03/04/200203/04/2002$0.0933.94%4.04%$9.21
11/29/200111/29/2001$0.0933.87%4.01%$9.28
08/29/200108/29/2001$0.0894.00%4.00%$8.86
05/30/200105/30/2001$0.0894.73%4.78%$7.41
03/05/200103/05/2001$0.0894.95%5.07%$6.99
11/29/200011/29/2000$0.0894.86%5.04%$7.03
08/30/200008/30/2000$0.0845.33%5.33%$6.33
05/30/200005/30/2000$0.0843.95%4.00%$8.44
02/29/200002/29/2000$0.0844.13%4.27%$7.91
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

UBCP Price

Price to Earnings

UBCP trades at a 41.0x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

UBCP trades at a 12.2x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

UBCP generated $0.0B in revenue.

Net Income

UBCP reported $0.0B in net income. Net income has declined by 30% over the period.

Revenue vs Net Income

UBCP generated $0.0B in revenue with net income of $0.0B, representing a 29.8% net profit margin.

Gross Profit

UBCP achieved $0.0B in gross profit, showing revenue after direct production costs.

Operating Income

UBCP generated $0.0B in operating income, representing profit from core business operations.

EBITDA

UBCP generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

UBCP generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

UBCP generated $0.0B in free cash flow. Free cash flow has decreased by 32% over the period.

Free Cash Flow / Share

UBCP generates $0.33 in free cash flow per share. FCF per share has declined by 32% over the period.

Earnings Per Share (EPS)

UBCP reported $0.32 in earnings per share. EPS has declined by 30% over the period.

Return on Equity (ROE)

UBCP delivered a 24.9% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

UBCP achieved a 14.9% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

UBCP maintains a 29.8% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

UBCP operates with a 78.2% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

UBCP holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

UBCP has 0.0B shares outstanding.

Stock-Based Comp

UBCP reported $0.0B in stock-based compensation.

FCF vs Stock Based Comp

UBCP generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 8% of FCF.

FCF vs FCF / Share

UBCP reported $0.0B in free cash flow, translating to $0.33 per share.

Revenue: Actual + Estimates

This chart tracks UBCP revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks UBCP eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks UBCP net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks UBCP ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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