Terence Channon
Special situations, contrarian, hedge fund manager

United Bancorp, Inc.: Compelling Buying Opportunity For Investors Seeking Generous Long Term Dividend Growth & Appreciation

United Bancorp, Inc. (NASDAQ:UBCP) is the bank holding company for The Citizens Savings Bank. UBCP provides traditional banking services (mortgages, loans, demand deposit accounts) to residential and commercial customers. Through roughly 20 branches and operating centers, UBCP services the central and eastern regions of Ohio. UBCP as a holding company is celebrating its 40th anniversary this year and some its banking assets have been servicing this predominantly Pittsburgh Steelers fan base area (vs. Browns or Bengals) for over 100 years.

As a bank, UBCP should receive an award for its performance during the 2007-2009 real estate and financial crisis that drove many banks to FDIC extinction and far more to the brink. In the case of the latter,...

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