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United Bancorp, Inc.

UBCP • Banks - Regional
$15.88
▲ +0.12 (+0.73%)
Current price
EarningsLatest report: Jun 30, 2026
BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.
Market Cap
$86.92M
Growth
3.4%
Cash Flow
3/5
Trend
Mostly stable
Evidence
Stable or improving margins · 16.3%Positive revenue growth · 11.7%Reasonable earnings multiple · 10.17Weak liquidity · 0.25
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 14, 2026, 12:26 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$15.88
Change0.73%
Shares Out5.47M
Market Cap$86.92M
Enterprise Value$149.26M
52W Range12.47 - 17.34
Beta0.35
P/E10.90
P/S1.80
P/B1.29
P/FCF104.59
EV/Sales3.10

Investment DNA

How strong this company looks for long-term investors

65
out of 100
Business Quality
Margins, moat, returns
69/100
Financial Strength
Debt, cash, stability
22/100
Growth Potential
Revenue and expansion
85/100
Price Attractiveness
Cheap or expensive today
83/100
Why this score▼
Stable or improving margins · 16.3%Positive revenue growth · 11.7%Reasonable earnings multiple · 10.17Weak liquidity · 0.25
Analyst view
No analyst data available now.

Company Overview

IPO: 3/2/1993
Industry: Banks - Regional
P/B i: 1.29
Debt / Equity i: 1.86
Operating Margin: 17.41%
Net Margin: 16.32%
ROE i: -
ROIC: -

Financial Health

Score4 / 20
Debt / Equity: 1.86
Current Ratio: 0.25
Quick Ratio: 0.25
Status: HighRisk

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Schunn Bethany E
Transaction: 05/28/2026
BUY
Change
+1,175
Price
$14.93
Filing
05/28/2026
Type
BUY
Glessner Gary W
Transaction: 05/27/2026
BUY
Change
+3,527
Price
$14.93
Filing
05/28/2026
Type
BUY
EVERSON SCOTT A
Transaction: 05/27/2026
BUY
Change
+2,213
Price
$14.93
Filing
05/28/2026
Type
BUY