What is United Bancorp, Inc.'s Shariah compliance score?

United Bancorp, Inc. (UBCP) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does United Bancorp, Inc. pass AAOIFI screening?

United Bancorp, Inc. (UBCP) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. UBCP's debt-to-market-cap is 132.8%.

How much purification is needed for United Bancorp, Inc.?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for United Bancorp, Inc. (UBCP) using the latest financial data.

Where can I screen United Bancorp, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for United Bancorp, Inc. (UBCP) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

UBCPNot HalalF

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Compliance Status

Not Halal

Screened on Oct 9, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is United Bancorp, Inc. (UBCP) halal? Not Halal. Based on AAOIFI screening, United Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates United Bancorp, Inc. (UBCP) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 9, 2026. Source: https://halalscreener.app/en/stock/UBCP

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

132.8% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding UBCP

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

UBCP: Is United Bancorp, Inc. Halal?

United Bancorp, Inc.

NASDAQFinancial ServicesUS

$14.66

Market Cap: 84.7M

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About United Bancorp, Inc.

United Bancorp, Inc. acts as the parent organization for Unified Bank, which delivers a comprehensive range of commercial and individual banking solutions, with a primary focus on Ohio. The bank facilitates various deposit options, including checking, savings, and certificates of deposit, and extends credit for business ventures, residential and commercial property acquisitions, and personal needs. As of December 31, 2021, its operational reach included a network of branch offices across Ohio's Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties, as well as Marshall and Ohio Counties in West Virginia and adjacent territories. A dedicated loan origination office was also present in Wheeling, West Virginia. Founded in 1902, United Bancorp, Inc. is headquartered in Martins Ferry, Ohio.

Sector: Financial Services · Industry: Banks - Regional

Why this does not pass

Business activity: the company earns from an activity AAOIFI treats as prohibited.
Interest-bearing debt is 132.8% of market cap, over the 30% AAOIFI limit.
Interest-bearing deposits are over the 30% limit.
Income from prohibited sources is over the 5% limit.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 9, 2026

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Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$384.58

SLVA+

iShares Silver Trust

$54.78

PSLVA+

Sprott Physical Silver Trust

$19.89

PHYSA+

Sprott Physical Gold Trust

$31.70

CEFA+

Sprott Physical Gold and Silver Trust

$41.67

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Frequently Asked Questions

Is United Bancorp, Inc. (UBCP) halal to invest in?

United Bancorp, Inc. (UBCP) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did United Bancorp, Inc. get a F compliance rating?

United Bancorp, Inc. (UBCP) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 132.8% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change United Bancorp, Inc.'s Shariah verdict?

United Bancorp, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is United Bancorp, Inc. re-screened for Shariah compliance?

United Bancorp, Inc. (UBCP) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 9, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.