United Bancorp Inc (UBCP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
United Bancorp Inc stock (UBCP) is currently trading at $16.48. United Bancorp Inc PE ratio is 12.69. United Bancorp Inc PS ratio (Price-to-Sales) is 3.08. Analyst consensus price target for UBCP is $20.00. WallStSmart rates UBCP as Hold.
- UBCP PE ratio analysis and historical PE chart
- UBCP PS ratio (Price-to-Sales) history and trend
- UBCP intrinsic value — DCF, Graham Number, EPV models
- UBCP stock price prediction 2025 2026 2027 2028 2029 2030
- UBCP fair value vs current price
- UBCP insider transactions and insider buying
- Is UBCP undervalued or overvalued?
- United Bancorp Inc financial analysis — revenue, earnings, cash flow
- UBCP Piotroski F-Score and Altman Z-Score
- UBCP analyst price target and Smart Rating
United Bancorp Inc
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UBCP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · United Bancorp Inc (UBCP)
UBCP trades at a significant discount to its Graham intrinsic value of $38.91, offering a 64% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
United Bancorp Inc (UBCP) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and institutional own.. Fundamentals are solid but monitor weak areas for improvement.
United Bancorp Inc (UBCP) Key Strengths (3)
Keeps $24 of every $100 in revenue as net profit
Strong operational efficiency: $23 kept per $100 revenue
Trading at 1.39x book value, attractively priced
Supporting Valuation Data
United Bancorp Inc (UBCP) Areas to Watch (6)
Very low institutional interest at 13.14%
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 3.08x sales
Solid revenue growth at 17.40% per year
Solid earnings growth at 13.90%
United Bancorp Inc (UBCP) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.7/10) while 6 fall into concern territory (avg 4.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Profit Margin, Operating Margin, Price/Book. Valuation metrics including Price/Book (1.39) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 22.70%, Profit Margin at 24.30%.
The Bear Case
The primary concerns are Institutional Own., Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.08) suggest expensive pricing. Growth concerns include Revenue Growth at 17.40%, EPS Growth at 13.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 17.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Profit Margin, Operating Margin) and negatives (Institutional Own., Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UBCP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UBCP's Price-to-Sales ratio of 3.08x sits near its historical average of 2.82x (86th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 3.08x set in Mar 2026, and 14% above its historical low of 2.7x in Mar 2026. Over the past 12 months, the PS ratio has expanded from ~2.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for United Bancorp Inc (UBCP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
United Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 32M with 17% growth year-over-year. Profit margins are strong at 24.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1190.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 24.3% and operating margin of 22.7% demonstrate strong pricing power and operational efficiency.
Free cash flow is -2M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Dividend sustainability with a current yield of 4.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact United Bancorp Inc.
Bottom Line
United Bancorp Inc offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:25:08 AM
About United Bancorp Inc(UBCP)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.