UBCP
United Bancorp Inc
NASDAQ: UBCP · FINANCIAL SERVICES · BANKS - REGIONAL
$16.39
+2.63% today
Updated 2026-04-30
Market cap
$94.17M
P/E ratio
12.17
P/S ratio
2.96x
EPS (TTM)
$1.34
Dividend yield
4.57%
52W range
$11 – $17
Volume
0.0M
WallStSmart proprietary scores
58
out of 100
Grade: C+
Hold
Investment rating
7.3
Growth
B+4.8
Quality
C7.0
Profitability
B+6.0
Valuation
B3/9
Piotroski F-Score
Weak
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$20.00
+22.02%
12-Month target
$17.03
+3.90%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
X-Ray snapshot
Strengths
+ Profit margin 24.40% — above average
+ Revenue growth 17.40% QoQ
Risks
- Piotroski 3/9 — weak financial health
- Negative free cash flow $-1.98M
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $31.74M | $40.90M | $43.98M | $47.50M | $31.80M |
| Net income | $8.66M | $8.95M | $7.40M | $7.75M | $2.04M |
| EPS | — | — | — | — | $1.34 |
| Free cash flow | $7.97M | $8.38M | $-1.25M | $-1.82M | $-1.98M |
| Profit margin | 27.27% | 21.88% | 16.83% | 16.32% | 24.40% |
Peer comparison
Smart narrative
United Bancorp Inc trades at $16.39. representing a P/E of 12.17x trailing earnings. Our Smart Value Score of 58/100 indicates the stock is fair. The company scores 3/9 on the Piotroski F-Score. TTM revenue stands at $31.80M. with profit margins at 24.40%.
Frequently asked questions
What is United Bancorp Inc's stock price?
United Bancorp Inc (UBCP) trades at $16.39.
Is United Bancorp Inc overvalued?
Smart Value Score 58/100 (Grade C+, Hold).
What is the price target of United Bancorp Inc (UBCP)?
The analyst target price is $20.00, representing +22.0% upside from the current price of $16.39.
What is United Bancorp Inc's revenue?
TTM revenue is $31.80M.
Piotroski F-Score?
3/9 — weak financial health.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.96x
ROE11.60%
Beta0.36
50D MA$15.55
200D MA$14.26
Shares out0.01B
Float0.00B
Short ratio—
Avg volume0.0M
Performance
1 week—
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YTD—
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