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United Bancorp, Inc (UBCP) Fair Value & Analysis

Financial Services · US · Market cap $92.5M

Price$15.77
Fair Value$17.43
Upside+10.5%
Quality95/100
Evidence: Medium Range $13.08 – $21.79

Fair value as of: Jun 26, 2026

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Analysis

United Bancorp, Inc (UBCP) currently trades at $15.77, while our model-based Fair Value estimate is $17.43 — implying the stock looks roughly 10.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

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.

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Frequently asked questions

Is United Bancorp, Inc (UBCP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $17.43 versus a price of $15.77 — about +11% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UBCP?
Our 21-model fair value for United Bancorp, Inc is $17.43 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.77.
What is the quality score of UBCP?
United Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.