UBCP
BULLISHAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Trading at a steep discount to defensive fair value ($19.22) and growth-based intrinsic value ($37.32).
- Price < Graham Number
- Price << Intrinsic Value
- Low Forward P/E (9.94)
- P/B of 1.30 is slightly above book
Strong YoY growth trends offset recent quarterly volatility.
- 17.4% Revenue Growth
- 13.9% Earnings Growth
- Recent Q/Q EPS growth decline (-18.0%)
Recent performance is strong, though long-term historical data shows inconsistency.
- Strong 1Y return (+27.9%)
- Recent earnings surprise average of 44.59%
- Historical earnings volatility in early 2000s data
Financial health is stable but lacks the strength of a high-scoring Piotroski profile.
- Piotroski F-Score of 4/9 indicates stability
- F-Score is not in the 'Strong' range (7-9)
- Altman Z-Score unavailable
Strong dividend profile providing a reliable income floor for investors.
- High yield (4.88%)
- Healthy payout ratio (55.6%)
- No 5-year average yield provided for stability check
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for UBCP and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
UBCP
United Bancorp, Inc.
Primary
|
+45.2% | +55.0% | +27.9% | +28.6% | -4.0% | -2.2% |
|
AUBN
Auburn National Bancorporation, Inc.
Peer
|
-20.2% | +29.4% | +20.2% | -5.4% | -0.9% | +8.0% |
|
SSBI
Summit State Bank
Peer
|
+2.3% | +7.4% | +62.1% | +15.6% | +4.2% | +0.3% |
|
FUSB
First US Bancshares, Inc.
Peer
|
+75.7% | +111.4% | +23.6% | +28.1% | +5.5% | +1.6% |
|
BMHL
Bluemount Holdings Limited
Peer
|
-7.6% | -7.6% | -7.6% | -11.6% | +2.1% | -0.9% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
UBCP
United Bancorp, Inc.
|
BULLISH | $91.81M | 11.87 | 11.6% | 24.4% | $15.9 | |
|
AUBN
Auburn National...
|
NEUTRAL | $91.69M | 12.62 | 8.2% | 22.1% | $26.25 | Compare |
|
SSBI
Summit State Bank
|
NEUTRAL | $92.97M | 13.59 | 7.0% | 20.7% | $13.73 | Compare |
|
FUSB
First US Bancshares, Inc.
|
NEUTRAL | $90.25M | 15.65 | 5.9% | 16.2% | $15.65 | Compare |
|
BMHL
Bluemount Holdings Limited
|
BEARISH | $94.3M | 73.9 | 30.3% | 18.9% | $3.69 | Compare |
SEC Filings
Recent regulatory filings from the SEC EDGAR database
United Bancorp, Inc. operates as a bank holding company providing commercial and retail banking services across Ohio and West Virginia through its subsidiary, Unified Bank. While specific financial results are incorporated by reference, the company highlights that its allowance for credit losses is a subjective estimate based on historical loss experience and forecasted economic conditions. As a Smaller Reporting Company, the firm did not provide separate risk factor disclosures in this filing.
Past News Coverage
Recent headlines mentioning UBCP from our newsroom.