Zacks Investment ResearchT3·2mo ago
UBCP United Bancorp Inc/OH
XNASStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
UBCP
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What changed
Recent filings, trades and moves- Nov 6 8-K: Earnings results
Key stats
Related
About
- Industry (SIC)
- STATE COMMERCIAL BANKS (6022) · industry map
- Exchange
- XNAS
- Market Cap
- $0.1B
- Employees
- 133
- List Date
- 1993-03-01
- CIK
- 0000731653
- Last Earnings
- Jul 24
- Headquarters
- Martins Ferry, OH
- Homepage
- https://www.unitedbancorp.com
United Bancorp Inc operates as a bank holding company that provides commercial and retail banking services. Through its subsidiary (Unified Bank), the company provides a broad range of banking and financial services, which include accepting demand, savings, and time deposits and granting commercial, real estate, and consumer loans. The Company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. The bank also operates in Marshall County, West Virginia.
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 0.62% | 1.48% | -2.18% | -9.68% | -5.58% | -3.07% | -3.07% |
| Feb | 7.97% | -0.55% | 3.46% | -2.02% | 12.24% | 6.43% | 4.59% |
| Mar | -1.24% | 6.43% | -3.14% | 18.12% | -1.90% | 1.13% | 3.23% |
| Apr | 3.52% | -6.55% | -9.46% | -16.34% | -2.81% | 4.73% | -4.49% |
| May | 0.30% | -12.55% | -9.57% | -3.22% | 11.03% | -3.81% | -2.97% |
| Jun | -6.12% | 2.44% | 6.68% | 2.20% | 5.24% | 0.00% | 1.74% |
| Jul | -9.03% | -4.90% | -0.82% | -2.68% | -3.63% | -4.69% | -4.29% |
| Aug | 16.54% | 0.90% | -1.35% | 2.21% | 3.24% | -1.40% | 3.36% |
| Sep | -7.08% | 5.79% | -1.70% | 9.92% | -1.62% | -5.86% | -0.09% |
| Oct | 0.60% | -1.38% | -13.88% | 0.00% | -7.44% | -0.98% | -3.85% |
| Nov | 1.99% | -2.51% | 10.33% | 3.42% | 2.29% | 0.83%* | 2.73% |
| Dec | 8.18% | 0.62% | 15.99% | -4.69% | 7.25% | -- | 5.47% |
| Total | 14.35% | -11.70% | -9.24% | -6.78% | 17.35% | -7.17% | -0.53% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $14.01
SMA 50: $14.72
SMA 200: $15.24
Current: $14.55
EMA 12: $14.24
EMA 26: $14.29
MACD: -0.0488 | Signal: 0.1131
BEARISH
ADX (14): 20.98
WEAK TREND
+DI: 22.07
−DI: 12.15
Momentum Oscillators
RSI (14): 53.52
NEUTRAL
Stoch %K: 75.06
Stoch %D: 70.79
Williams %R: -16.33
Volume & Volatility
BB Upper: $14.82
BB Lower: $13.20
NEUTRAL
OBV: 546,883
Vol SMA 20: 8,186
Vol ROC: 245.69%
ATR: $0.51
True Range: $0.51
HV 20: 36.4%
HV 30: 37.4%
HV 60: 34.2%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-10-24T00:00:00 – 2026-11-09T00:00:00
AI Analysis
Click Frenzy-Pro™ for an AI analysis of this ticker.
Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.
News
All UBCP news →
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UBCP Options Activity & IV Rank
Loading options activity...
Spread Scanner
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
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pts
EXTREME
ATM — / Wing —
30 DTE / 10d
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pts
EXTREME
ATM — / Wing —
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Loading the implied volatility surface…
Volatility Smile
Loading the implied volatility smile…
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
Risk Metrics
Beta: -0.0896
Alpha: 21.78%
Correlation: -0.0348
R-Squared: 0.1%
Stock Volatility: 35.7%
Market Volatility: 13.9%
Analysis Details
Benchmark: SPY
Data Points: 245
Period: 252 trading days
Data Points: 245
Period: 252 trading days
Interpretation:
Negative beta - stock moves opposite to market
Negative beta - stock moves opposite to market
Beta & Alpha Over Time
UBCP Institutional Ownership (13F)
Filings for 2026-06-30 · 12 already for 2026-09-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
UBCP Insider Trading (Form 4)
Latest: 2026-05-28Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-05-28 | Randall M Greenwood | SR VP CFO and Treasurer | Buy (P) | +1,034 | $14.93 | $15.4K | EDGAR |
| 2026-05-28 | Bethany E Schunn | Director | Buy (P) | +1,175 | $14.93 | $17.5K | EDGAR |
| 2026-05-28 | Jonathan CHASE Clark | Director | Buy (P) | +1,511 | $14.93 | $22.6K | EDGAR |
| 2026-05-28 | Erin S Ball | Director | Buy (P) | +632 | $14.93 | $9.4K | EDGAR |
| 2026-05-28 | Gary W Glessner | Director | Buy (P) | +3,527 | $14.93 | $52.7K | EDGAR |
| 2026-05-28 | Scott A Everson | Chairman Pres and CEO | Buy (P) | +2,213 | $14.93 | $33.0K | EDGAR |
| 2026-05-28 | John M Hoopingarner | Director | Buy (P) | +931 | $14.93 | $13.9K | EDGAR |
| 2026-05-28 | Matthew Fredrick Branstetter | Chief Operating Officer | Buy (P) | +380 | $14.93 | $5.7K | EDGAR |
| 2025-05-23 | Gary W Glessner | Director | Buy (P) | +3,497 | $13.62 | $47.6K | EDGAR |
| 2025-05-23 | Brian M Hendershot | Director | Buy (P) | +2,207 | $13.62 | $30.1K | EDGAR |
| 2025-05-23 | Scott A Everson | Chairman, President and CEO | Buy (P) | +2,197 | $13.62 | $29.9K | EDGAR |
| 2025-05-23 | Bethany E Schunn | Director | Buy (P) | +836 | $13.62 | $11.4K | EDGAR |
| 2025-05-23 | John M Hoopingarner | Director | Buy (P) | +927 | $13.62 | $12.6K | EDGAR |
| 2025-05-23 | Randall M Greenwood | SVP CFO | Buy (P) | +1,006 | $13.62 | $13.7K | EDGAR |
| 2025-05-23 | Matthew Fredrick Branstetter | SVP COO | Buy (P) | +339 | $13.62 | $4.6K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
UBCP Insider Holdings
9 insiders · @ $14.55
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Scott A Everson | Chairman Pres and CEO | 143,162 | $2.08M | $1.27M | 48 | 2026-05-28 |
| 2 | Gary W Glessner | Director | 108,002 | $1.57M | $568.6K | 41 | 2026-05-28 |
| 3 | Randall M Greenwood | SR VP CFO and Treasurer | 85,214 | $1.24M | $163.5K | 30 | 2026-05-28 |
| 4 | Matthew Fredrick Branstetter | Chief Operating Officer | 60,128 | $874.9K | $37.3K | 20 | 2026-05-28 |
| 5 | Jonathan CHASE Clark | Director | 55,638 | $809.5K | $22.6K | 1 | 2026-05-28 |
| 6 | John M Hoopingarner | Director | 52,609 | $765.5K | $152.4K | 36 | 2026-05-28 |
| 7 | Brian M Hendershot | Director | 31,204 | $454.0K | $65.9K | 3 | 2025-05-23 |
| 8 | Bethany E Schunn | Director | 20,457 | $297.6K | $62.9K | 4 | 2026-05-28 |
| 9 | Erin S Ball | Director | 17,812 | $259.2K | $9.4K | 1 | 2026-05-28 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
UBCP Board & Officers
As of SEC filings through May 28, 2026Directors 6
- John M Hoopingarner · on file since 2006
- Gary W Glessner · since Dec 13, 2013
- Bethany E Schunn · since Nov 22, 2023
- Brian M Hendershot · since Nov 22, 2023
- Erin S Ball · since Apr 22, 2026
- Jonathan CHASE Clark · since Apr 22, 2026
Officers 3
- Scott A Everson · President and CEO · listed since May 2014
- Randall M Greenwood · SVP CFO · listed since Aug 2011
- Matthew Fredrick Branstetter · SVP COO · since May 8, 2014
Changes in the last 10 years (5)
| Apr 22, 2026 | Jonathan CHASE Clark became a director |
| Apr 22, 2026 | Erin S Ball became a director |
| Nov 22, 2023 | The company announced the departure of Richard L Riesbeck from the board in an SEC filing |
| Nov 22, 2023 | Brian M Hendershot became a director |
| Nov 22, 2023 | Bethany E Schunn became a director |
Not reported recently (2)
- Lisa Ann Basinger · Last reported as Corporate Secretary in an SEC filing dated Mar 11, 2019
- Terry A McGhee · Last reported as a director in an SEC filing dated Dec 2, 2016
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
Recent SEC Filings
Latest: 2026-11-06
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
| Filing Date | Accession | Link |
|---|---|---|
| 2026-08-12 | 0001104659-26-094756 | EDGAR |
ETF Holders
11 ETFs hold UBCP
11 shown · $2.47M total exposure · 0.00% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VXF Vanguard Extended Market ETF | Vanguard | 0.00% | $922,009 | — | 2026-09-30 |
| 2 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $762,691 | — | 2026-09-30 |
| 3 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.02% | $229,047 | $1.2B | 2026-11-06 |
| 4 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.00% | $218,599 | — | 2026-11-05 |
| 5 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.00% | $117,176 | — | 2026-11-05 |
| 6 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.00% | $93,944 | — | 2026-11-05 |
| 7 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.00% | $43,429 | — | 2026-11-05 |
| 8 | DXUV Dimensional US Vector Equity ETF | Dimensional | 0.00% | $32,815 | — | 2026-11-05 |
| 9 | BSVO EA Bridgeway Omni Small-Cap Value ETF | Nport | 0.00% | $23,963 | — | 2026-06-30 |
| 10 | DFSU Dimensional US Sustainability Core 1 ETF | Dimensional | 0.00% | $11,732 | $2.3B | 2026-11-05 |
| 11 | DFUS Dimensional US Equity Market ETF | Dimensional | 0.00% | $11,660 | $20.9B | 2026-11-05 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
UBCP vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| BNS Bank of Nova Scotia | $111.6B | — | — | +25.2% | 77 |
| BNY Bank of New York Mellon Corporation | $99.4B | — | — | +1391.4% | 33 |
| ITUB Itau Unibanco Holding S.A. American Depo | $81.5B | — | — | +4.6% | 20 |
| DB Deutsche Bank Aktiengesellschaft | $64.6B | — | — | −7.6% | 52 |
| FITB Fifth Third Bancorp | $47.9B | 18.6 | +24.5% | +13.9% | 47 |
| STT State Street Corporation | $45.0B | 13.9 | +2.8% | +32.4% | 19 |
| NTRS Northern Trust Corp | $31.3B | 18.6 | −7.9% | +27.5% | 35 |
| UBCP United Bancorp Inc/OH | $81M | — | — | +1.5% | — |
| Peer median | $64.6B | 18.6 | +2.8% | +25.2% | 35 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.