UBCP
United Bancorp, Inc.
Financial Services · Banks - Regional · NCM
$14.57
Close 2026-05-23
✗ ETHICAL FAIL
MODERATE MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$84.2M
Trailing P/E
10.79
Forward P/E
9.11
Rev Growth
+6.4%
Profit Margin
24.1%
ROE
12.1%
Analyst Target
$20.00
Recommendation
NONE
Ethical Screen
| Business Activity | FAIL |
| Debt Ratio (0.00%) | PASS |
| Cash Ratio (0.00%) | PASS |
| Receivables Ratio (0.00%) | PASS |
| Revenue Ratio (0.00%) | PASS |
| Overall | FAIL |
Score Valuation: 95.0
Score Quality: 67.2
Score Combined: 61.1
Fair Value Est: $24.00 · Margin of Safety: +64.7%
Opportunity Scores
Valuation100.0
Quality70.8
Cash Flow50.0
Moat50.0
Balance Sheet100.0
Debt Purity100.0
Liquid Purity100.0
Rev Purity100.0
Compliance100.0
Tier: PLATINUM · Score: 88.8 · Rank: #13
Earnings History (Last 8 Quarters)
| Date | EPS Est. | Reported EPS | Surprise % |
|---|---|---|---|
| 2026-02-05 | — | Pending | -- |
| 2022-02-03 | 0.35 | 0.41 | +17.1% |
| 2021-10-27 | 0.26 | 0.50 | +92.3% |
| 2021-01-22 | 0.37 | 0.46 | +24.3% |
| 2020-10-20 | 0.29 | 0.36 | +24.1% |
| 2020-07-30 | 0.31 | 0.29 | -6.5% |
| 2020-05-01 | 0.30 | 0.28 | -6.7% |
| 2020-01-23 | 0.32 | 0.31 | -3.1% |
Quarterly Financials
| Period | Revenue | Net Income | EBITDA | Gross Profit | Op. Income | EPS |
|---|---|---|---|---|---|---|
| 2026-03-31 | $7.9M | $1.9M | — | — | — | 0.33 |
| 2025-12-31 | $8.9M | $2.0M | — | — | — | 0.35 |
| 2025-09-30 | $8.1M | $1.9M | — | — | — | 0.34 |
| 2025-06-30 | $8.0M | $1.9M | — | — | — | 0.33 |
| 2025-03-31 | $7.5M | $1.9M | — | — | — | 0.32 |
Insider Transactions
| Date | Name | Role | Shares | Value |
|---|---|---|---|---|
| 2025-05-22 | EVERSON SCOTT A | Chief Executive Officer | 2,197 | $29.9K |
| 2025-05-22 | GLESSNER GARY W | Director | 3,497 | $47.6K |
| 2025-05-22 | BRANSTETTER MATTHEW FREDRICK | Chief Operating Officer | 339 | $4.6K |
| 2025-05-22 | SCHUNN BETHANY E. | Director | 836 | $11.4K |
| 2025-05-22 | HENDERSHOT BRIAN M. | Director | 2,207 | $30.1K |
| 2025-05-22 | HOOPINGARNER JOHN M | Director | 927 | $12.6K |
| 2025-05-22 | GREENWOOD RANDALL M | Chief Financial Officer | 1,006 | $13.7K |
| 2024-06-21 | EVERSON SCOTT A | Chief Executive Officer | 2,092 | $25.8K |
| 2024-06-21 | GLESSNER GARY W | Director | 580 | $7.1K |
| 2024-06-21 | BRANSTETTER MATTHEW FREDRICK | Chief Operating Officer | 588 | $7.2K |
Top Institutional Holders
| Holder | Shares | Value | % Held |
|---|---|---|---|
| Vanguard Capital Management LLC | 90.9K | $1.3M | 0.0% |
| Commonwealth Financial Services, LLC | 87.4K | $1.3M | 0.0% |
| Geode Capital Management, LLC | 49.7K | $723.7K | 0.0% |
| Dimensional Fund Advisors LP | 45.2K | $657.9K | 0.0% |
| Post Resch Tallon Group Inc. | 43.2K | $629.1K | 0.0% |
| Bahl & Gaynor, Inc. | 40.0K | $583.5K | 0.0% |
| Vawter Financial, Ltd. | 36.3K | $529.3K | 0.0% |
| Appalachian Capital Management Ltd | 33.4K | $486.2K | 0.0% |
| Vanguard Fiduciary Trust Co | 32.1K | $467.7K | 0.0% |
| Wesbanco Bank Inc. | 31.4K | $456.9K | 0.0% |
Analyst Recommendations
Current
1 analysts
Strong Buy
Buy
Hold
Sell
Strong Sell
Additional Fundamentals
Enterprise Value
$147.7M
$147.7M
Price/Book
1.19
1.19
Analysts
1
1
Total Revenue (TTM)
$32.3M
$32.3M
Total Debt
$90.6M
$90.6M
Earnings Growth
+3.8%
+3.8%
Dividend Yield
533.0%
533.0%
Trade Consideration
The Opportunity
Score 61.1 (P96 — top 3.7% of scored tickers). Moderate Moat. Ethical FAIL. 1 analysts at None.
Price: $14.57 | Target: $20.00 (+37%) | Fair Value: $24.00 (+65%)
Score
61
Moat
MODERATE
Conviction
Standard
Upside
+37%
The Fundamentals
Revenue Growth+6.4%
Profit Margin24.1%
ROE12.1%
Forward P/E9.1
Market Cap$84.2M
Earnings Track Record
| Date | Estimate | Reported | Surprise |
|---|---|---|---|
| 2026-02-05 | $— | Pending | — |
| 2022-02-03 | $0.35 | $0.41 | +17.1% |
| 2021-10-27 | $0.26 | $0.50 | +92.3% |
| 2021-01-22 | $0.37 | $0.46 | +24.3% |
| 2020-10-20 | $0.29 | $0.36 | +24.1% |
| 2020-07-30 | $0.31 | $0.29 | -6.5% |
Position Sizing Scenarios
Stop: $12.38 (-15%) | Entry: $14.57
| Shares | Cost | Profit to Target | R:R |
|---|---|---|---|
| To Consensus ($20.00, 1 analysts) | |||
| 10 | $145.70 | +$54.30 (37%) | 2.5R |
| 50 | $728.50 | +$271.50 (37%) | 2.5R |
| 100 | $1,457.00 | +$543.00 (37%) | 2.5R |
| To Fair Value ($24.00) | |||
| 10 | $145.70 | +$94.30 (65%) | 4.3R |
| 50 | $728.50 | +$471.50 (65%) | 4.3R |
| 100 | $1,457.00 | +$943.00 (65%) | 4.3R |
Risk Factors
- No elevated risk flags in current data
The Verdict
United Bancorp, Inc. holds a moderate competitive moat and trades at a 64.7% discount to fair value.
Quantitative Grade
A single score combining all analytical layers below. A is strongest, D is weakest.
D
Quant Score
39.4
Risk Grade
LOW_RISK
Layers
8
Risk Profile
How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.
VaR 95%
-3.9%
worst expected daily loss, 19 in 20 days
CVaR 95%
-5.3%
avg loss on the worst 5% of days
Annual Volatility
—
Sortino Ratio
0.62
above 1.0 is good
Max Drawdown
-16.2%
Worst Day
—
Forward Outlook
Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.
30d Prob Up
—
90d Prob Up
—
Median Return 30d
—
Liquidity Score
42
Liquidity Grade
MODERATE
Trend & Momentum
What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?
Kalman Trend
—
Trend Strength
—
Momentum Signal
—
HMM Regime
—
RSI Signal
—
Technical Signals
Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.
MA Crossover
ABOVE_200
Bollinger Position
NEAR_LOWER
Beta
—
Relative Volume
0.1x
Short Interest
—
Financial Health
Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.
Altman Z-Score
—
—
below 1.81 = distress zone
Piotroski F-Score
—
Earnings Beat Rate
50.0%
Earnings Consistency
—
Correlations
These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.
Most Correlated
| Ticker | Correlation |
|---|---|
| MUNTAZAHAT.KW | 0.211 |
| 3861.T | 0.195 |
| ALSALAMSUDAN.AE | 0.185 |
| ENGRO.KA | 0.162 |
| HACBY | 0.162 |
Inverse Correlated
| Ticker | Correlation |
|---|---|
| NAVN | -0.167 |
| 9557.SR | -0.154 |
| MFAN | -0.144 |
| ZAINBH.BH | -0.141 |
| VOYG | -0.137 |
Seasonality
Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.
Best Day
Friday
Worst Day
Tuesday
Best Month
Feb
Worst Month
Jan
Fri-Mon Effect
0.4807782897645453
Earnings Drift
After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.
Avg Drift After Beat
—
Beat Drift Positive %
—
Consistency
—
Momentum Rankings
How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.
1M Return
-10.4%
3M Return
+2.0%
6M Return
+17.8%
12M Return
+14.8%
Momentum Rank
#2506
Momentum Signal
FLAT