United Bancorp Inc (UBCP) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of United Bancorp Inc $17.17, price $15.35, upside +11.9%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch United Bancorp Inc for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $8.22 – $16.81 · fair‑value band $12.88 – $21.47 · the $15.35 price screens below the $17.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow United Bancorp in your weekly email
Every Wednesday you see whether United Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show more
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.
Stock analysis
United Bancorp Inc (UBCP) currently trades at $15.35, while our model-based Fair Value estimate is $17.17, implying the stock looks roughly 10.6% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $17.08 per share, and 2 of the 4 models we run sit above the $15.35 price.
Bear case: the Asset-Based group reads lowest at $8.17, and 2 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $12.88 (bear) to $21.47 (bull), the price of $15.35 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
United Bancorp Inc reported revenue of $47.5M in FY2025 versus $30.4M in FY2021, a compound +11.8%/yr. Reported net income was $7.8M in FY2025, compounding −4.8%/yr from FY2021.
Key figures
Market cap $89.2M · P/E ratio 11.4 · P/S ratio 1.86 · EPS (TTM) $1.35 · Dividend yield 4.9% · Net margin 16.3% · Return on equity 12.2% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 12%, UBCP screens cheaper than that median.
Fair Value models
Bear $12.88Fair Value $17.17Bull $21.47
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4352 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+8.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.6%
Start year 2020 (pandemic). Over 10 years: +9.1% a year
Revenue growth 33 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+3.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.8%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2% vs 7%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.25% → 17%
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside+12% · Above median
Profitability
Return on equity (TTM)12% · Above median
Return on assets1% · Below median
Net margin (TTM)24% · Below median
Operating margin (TTM)23% · Bottom 25%
Growth and dividend
Revenue growth6% · Below median
Dividend yield (TTM)4.9% · Top 25%
Balance sheet
Debt / equity1.40× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is United Bancorp Inc (UBCP) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $17.17 versus a price of $15.35, about +12% upside (undervalued).
What is the fair value of UBCP?
Our model-based fair value for United Bancorp Inc is $17.17 (as of Sep 23, 2026), built from audited fundamentals. The current price: $15.35.
What is the quality score of UBCP?
United Bancorp Inc has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for United Bancorp Inc (UBCP)?
Our model-based price target is the fair value of $17.17 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $12.88, optimistic scenario $21.47. It is a calculation from audited fundamentals, not an analyst target.
What is the United Bancorp Inc stock forecast for 2026?
Our models put fair value at $17.17, about +12% upside versus a price of $15.35 (undervalued). Cautious scenario $12.88, optimistic scenario $21.47. The calculation is refreshed regularly with new filings.
What is the revenue of United Bancorp Inc (UBCP)?
United Bancorp Inc reported trailing-twelve-month revenue of about $32.3M (latest available figure, as of Sep 23, 2026).
Does United Bancorp Inc pay a dividend?
United Bancorp Inc currently shows a dividend yield of about 4.92% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of United Bancorp Inc (UBCP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United Bancorp Inc it is $17.17 per share (as of Sep 23, 2026), against a price of $15.35. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is United Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, UBCP trades below its calculated fair value: price $15.35, fair value $17.17, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UBCP?
No. The price is what the market pays today ($15.35); the fair value is what the company's own numbers justify ($17.17). For United Bancorp Inc the two are $1.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is United Bancorp Inc worth?
The market values United Bancorp Inc at about $89.2M (market capitalisation, as of Sep 23, 2026). Per share that is $15.35; our models calculate a fair value of $17.17 per share.
What do the bullish and bearish scenarios say about UBCP?
Our models span a range for United Bancorp Inc: cautious scenario $12.88, base $17.17, optimistic $21.47 per share (as of Sep 23, 2026, price $15.35). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UBCP?
United Bancorp Inc trades at a price-to-earnings ratio of 11.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.17 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.8, EV/EBITDA 15.3.
How solid is the balance sheet of United Bancorp Inc (UBCP)?
Balance-sheet figures for United Bancorp Inc (as of Sep 23, 2026): return on equity 12.2%, debt of 1.40 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is UBCP from its 52-week high?
United Bancorp Inc trades at $15.35, about 9% below its 52-week high of $16.81 and 29% above the low of $11.94 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $17.17 is for.
Which stocks are comparable to United Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is United Bancorp Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $15.35, calculated fair value $17.17 (+12%), Quality Score 38/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UBCP calculated?
We run United Bancorp Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $17.17, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. United Bancorp Inc currently trades 12 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of United Bancorp Inc (UBCP)?
The closing price on Sep 23, 2026 was $15.35. Our model-based fair value is $17.17, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with United Bancorp Inc right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of United Bancorp Inc (UBCP) come from?
Earnings per share at United Bancorp Inc grew +9.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.6 %, EBIT margin −1.7 %, tax rate +3.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of United Bancorp Inc
How large is the market capitalisation of United Bancorp Inc (UBCP)?
The market capitalisation of United Bancorp Inc is $89.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of United Bancorp Inc (UBCP)?
The price-to-sales ratio of United Bancorp Inc is 1.86 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of United Bancorp Inc (UBCP)?
Earnings per share at United Bancorp Inc are $1.35 (price ÷ EPS = P/E 11.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of United Bancorp Inc (UBCP)?
The dividend yield of United Bancorp Inc is 4.9% (payout 55.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of United Bancorp Inc (UBCP)?
The net margin of United Bancorp Inc is 16.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of United Bancorp Inc (UBCP)?
The return on equity (ROE) of United Bancorp Inc is 12.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of United Bancorp Inc (UBCP)?
On an EBIT basis the return on assets of United Bancorp Inc is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of United Bancorp Inc (UBCP)?
The operating margin of United Bancorp Inc is 23.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at United Bancorp Inc (UBCP)?
Revenue at United Bancorp Inc is growing +6.4% versus a year earlier (3y avg +14.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at United Bancorp Inc (UBCP)?
Earnings per share at United Bancorp Inc are growing +2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does United Bancorp Inc (UBCP) generate?
The free cash flow of United Bancorp Inc is −$1.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does United Bancorp Inc (UBCP) carry?
The net debt of United Bancorp Inc is $84.7M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch United Bancorp Inc in the live analysis
One click puts United Bancorp Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Broad data
Sep 23, 2026