United Bancorp, Inc.

Stage 3 · Topping · week 4

As of Oct 22, 2026, United Bancorp is in Stage 3, the topping phase, now in week 4 (since Oct 1, 2026). It closed at $13.60, 18.1% below its 52-week high and below its 200-day average, which is rising.

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. More about the company

$13.60

-0.95% today

$78.0M · Micro cap

Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S4 14w

S2 20w

S2 18w

S2 23w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 4w → S4 14w → S1 3w → S2 9w → S3 2w → S2 10w → S3 9w → S2 5w → S3 3w → S2 20w → S3 4w → S2 7w → S3 3w → S2 18w → S3 7w → S4 4w → S1 1w → S2 23w → S3 3w → S2 12w → S3 3w current

Total tracked: 166 weeks across 21 stage runs.

UBCP among Banks - Regional272nd of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…272	UBCPUnited Bancorp, Inc.	Stage 3 · wk 4	64	−11.4%

vs 52W High

-18.1%

$11.80 lo$16.60 hi

18.1% below 52W high, weakening from peak

The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.

Stage Maturity

Week 4

1w13w26w

Week 4, early distribution

How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.

vs 200 DMA

-9.0%

200 DMA: $14.95 · rising

Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.

Rel Volume

0.92x

vs 50-day avg

Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

-11.4%

-13.2%

-14.2%

YTD

-0.5%

+12.7%

Scan Membership

Breakout Watch

Latest: 2025-06-06

10 appearances in last 60 days. First seen: 2019-07-25.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S3

Wk 4 · Vol 0.92x

2026-10-21S3

Wk 3 · Vol 2.32x

2026-10-20S3

Wk 3 · Vol 0.92x

2026-10-19S3

Wk 3 · Vol 0.34x

2026-10-16S3

Wk 3 · Vol 1.03x

2026-10-15S3

Wk 3 · Vol 3.23x

2026-10-14S3

Wk 2 · Vol 2.89x

2026-10-13S3

Wk 2 · Vol 1.94x

2026-10-12S3

Wk 2 · Vol 2.27x

2026-10-09S3

Wk 2 · Vol 0.71x

2026-10-08S3

Wk 2 · Vol 3.42x

2026-10-07S3

Wk 1 · Vol 1.36x

Moving averages & range

50 DMA

$15.00

200 DMA

$14.95

52W High

$16.60

52W Low

$11.80

5D Low

$13.40

Resistance levels (recent highs)

20d High

$14.82

60d High

$16.00

120d High

$16.41

250d High

$16.60

Next resistance

+9.0%

to 20d High

P/E (TTM)

9.8

Forward 8.3

Earnings Growth (YoY)

+9.1%

Revenue +9.2%

ROE

+12.1%

Profit margin +24.2%

Dividend Yield

5.75%

P/B 1.1

United Bancorp: quick answers

What stage is United Bancorp in?

As of Oct 22, 2026, United Bancorp (UBCP) is in Stage 3, the topping phase. It entered Stage 3 on Oct 1, 2026 and is in week 4. What the four stages mean

Is United Bancorp in an uptrend?

Its uptrend has stalled. United Bancorp is in Stage 3, the topping phase that follows an advance. It trades 9.0% below its 200-day average, which is rising.

How far is United Bancorp from its 52-week high?

United Bancorp closed at $13.60 on Oct 22, 2026, 18.1% below its 52-week high of $16.60. Its 52-week low is $11.80.

How has United Bancorp performed over the past year?

As of Oct 22, 2026, United Bancorp is up 12.7% over the past year and down 0.5% so far in 2026.

Which sector and industry is United Bancorp in?

United Bancorp is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.