NASDAQ: UBCPUnited Bancorp Inc Stock
$12.96+0.01 (+0.08%)
Updated Apr 24, 2024
UBCP Price
$12.96
Fair Value Price
N/A
Market Cap
$73.91M
52 Week Low
$9.70
52 Week High
$15.50
P/E
8.25x
P/B
1.16x
P/S
2.42x
PEG
0.82x
Dividend Yield
6.37%
Revenue
$30.34M
Earnings
$8.95M
Gross Margin
100%
Operating Margin
31.28%
Profit Margin
29.5%
Debt to Equity
11.89
Operating Cash Flow
$9M
Beta
0.12
Next Earnings
May 2, 2024
Ex-Dividend
Jun 10, 2024
Next Dividend
Jun 20, 2024
UBCP Overview
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
UBCP ($12.96) is trading below its intrinsic value of $14.17, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UBCP is good value based on its earnings relative to its share price (8.25x), compared to the US market average (41.27x)
P/E vs Market Valuation
UBCP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more UBCP due diligence checks available for Premium users.
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Valuation
UBCP fair value
Fair Value of UBCP stock based on Discounted Cash Flow (DCF)
Price
$12.96
Fair Value
$31.95
Undervalued by
59.44%
UBCP ($12.96) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
UBCP price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.25x
Industry
-10.44x
Market
41.27x
UBCP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UBCP is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
UBCP price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.16x
Industry
0.99x
UBCP is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UBCP price to earnings growth (PEG)
For valuing profitable companies with growth potential
UBCP is good value based... subscribe to Premium to read more.
PEG Value Valuation
UBCP's financial health
Profit margin
Revenue
$7.7M
Net Income
$2.4M
Profit Margin
31.1%
UBCP's Earnings (EBIT) of $9.49M... subscribe to Premium to read more.
Interest Coverage Financials
UBCP's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$819.4M
Liabilities
$755.9M
Debt to equity
11.89
UBCP's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UBCP's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.7M
Investing
-$23.5M
Financing
-$9.4M
UBCP's operating cash flow ($9.46M)... subscribe to Premium to read more.
Debt Coverage Financials
UBCP vs Bank Stocks
United Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.