UBCP
United Bancorp, Inc.
UBCP's fundamentals are mixed, but it looks expensive: trading at 11x earnings, above its usual 9.9x.
UBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
UBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UBCP.
UBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $10.22 | -29% |
| Fair | 9.9x | $12.77 | -12% |
| Expensive | 11x | $14.69 | +1.4% |
| Current | 11x | $14.49 | — |
Historical ranges are pointers, not guarantees.
UBCP's PE is in its expensive range at 11x.
UBCP Forward outlook
There aren't enough analyst estimates for UBCP to show an outlook.
UBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.29 | -0.8% |
| Q2 2026 | $1.38 | +8.7% |
| Q1 2026 | $1.35 | +8.9% |
| Q4 2025 | $1.34 | +5.5% |
| Q3 2025 | $1.30 | -5.8% |
| Q2 2025 | $1.27 | -15% |
| Q1 2025 | $1.24 | -22% |
| Q4 2024 | $1.27 | -19% |
UBCP earned $1.29 per share over the past year, about the same as the year before.
UBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7M | +4% |
| Q2 2026 | $7M | +6.2% |
| Q1 2026 | $6.5M | +4.2% |
| Q4 2025 | $8.9M | +18% |
| Q3 2025 | $6.7M | +9.6% |
| Q2 2025 | $6.6M | +6.3% |
| Q1 2025 | $6.2M | +2.2% |
| Q4 2024 | $7.5M | +0.1% |
UBCP's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -13 points |
| Q2 2026 | 29% | +0.1 points |
| Q1 2026 | 27% | -2.7 points |
| Q4 2025 | 22% | -1.4 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 29% | +3.4 points |
| Q1 2025 | 30% | -5.5 points |
| Q4 2024 | 24% | -11 points |
UBCP's operating margin was 15% last quarter, down 13 points from the same quarter a year ago, near the bottom of its range since 2019.
UBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.5M | +$3.9M |
| Q2 2026 | -$140K | -110% |
| Q1 2026 | -$1.8M | -$1.2M |
| Q4 2025 | -$1.8M | -214% |
| Q3 2025 | -$367K | +$1.2M |
| Q2 2025 | $1.5M | +$3M |
| Q1 2025 | -$594K | -366% |
| Q4 2024 | $1.6M | -38% |
UBCP's free cash flow was −$257,000 over the past year, against $2M the year before. Free cash flow isn't a meaningful measure for financial services companies like UBCP.
UBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -26.6K shares |
| 1 year | -0.7% | -39.5K shares |
| 3 years | -0.8% | -42.2K shares |
| 5 years | -0.6% | -31.7K shares |
| Available history | -1.4% | -79.2K shares |
UBCP has 5M diluted shares, down 0.7% from a year ago, with $1M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $340,000 |
| Q2 2026 | $342,000 |
| Q1 2026 | $374,000 |
| Q4 2025 | $188,000 |
| Q3 2025 | — |
| Q2 2025 | $80,000 |
| Q1 2025 | $49,000 |
| Q4 2024 | — |
UBCP spent $1M buying back its own shares over the past year, about 10 times what it spent the year before.
UBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.3x | High |
| Q2 2026 | 7.7x | High |
| Q1 2026 | 7.9x | High |
| Q4 2025 | 5.9x | High |
| Q3 2025 | 6.2x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 7.7x | High |
| Q4 2024 | 9.5x | High |
UBCP's net debt is about 8.3 years of its operating earnings (EBITDA), up from 6.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UBCP.
UBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.5 | Neutral |
| Stochastic | 33.6 | Neutral |
UBCP's weekly RSI is 46 (neutral) and its Stochastic is 34 (neutral).
UBCP PE vs Financial Services Sector
| Metric | UBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 79 | 63 | 16 pts above |
UBCP is trading at 11x earnings, a 14% discount to the Financial Services sector's median of 13x.
UBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.3 | 1.5% above |
| 20 week MA | $15.2 | 4.7% below |
| 50 week MA | $15.2 | 4.4% below |
| 100 week MA | $14.3 | 1.3% above |
| 200 week MA | $13.4 | 8.2% above |
UBCP's trend is mixed: it's above three of its five weekly moving averages, and 8.2% above its 200-week average.
UBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.3 | -9.4% |
| 2021 | $13.3 | $16.2 | +22% |
| 2022 | $16.2 | $15.5 | -4.6% |
| 2023 | $15.5 | $12.8 | -17% |
| 2024 | $12.8 | $13.0 | +1.3% |
| 2025 | $13.0 | $14.8 | +14% |
| 2026 YTD | $14.8 | $14.5 | -2% |
UBCP has finished lower in three of the last six years. It's down 2% so far in 2026.