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UBCP
$16.02-0.37 (-2.26%)
Market ClosedLast close May 1
United Bancorp, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
United Bancorp, Inc. in the Financial Services sector is trading at $16.02. The stock is currently 8% below its 52-week high of $17.34, remaining 15.3% above its 200-day moving average. Technical signals show neutral RSI of 52 and bearish MACD signal, explaining why UBCP maintains its current momentum and trend strength. The Whystock Score of 85/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 52) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$16.02
Potential Upside
67.8%
Whystock Fair Value$26.87
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers banking and financial services, including accepting demand, savings, and time deposits, as wel...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$93.16M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
12.04
Beta
Defensive asset. Lower volatility than the S&P 500.
0.36
Div Yield
Strong income play. Yield provides a meaningful total return floor.
474.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
10.99%
Volume
Today's trading volume
1,377
Recent News
United Bancorp Rallies 27% in a Year: Should You Buy the Stock?
Strong balance sheet growth, relationship-driven lending and tech investments fuel UBCP's outlook, supported by solid capital strength and consistent dividends for investors.
The Zacks Analyst Blog Palantir, Linde, Arista Networks, Comstock and United Bancorp
Palantir, Linde and Arista stand out with strong growth, innovation, and strategic execution, despite industry challenges and market pressures.
Top Research Reports for Palantir, Linde and Arista Networks
Today's Research Daily features new research reports on 16 major stocks, including Palantir Technologies Inc. (PLTR), Linde plc (LIN) and Arista Networks, Inc. (ANET), as well as two micro-cap stocks, Comstock Holding Companies, Inc. (CHCI) and United Bancorp, Inc. (UBCP).
United Bancorp's Q4 Earnings Rise Y/Y on Loan Demand
UBCP reports 13% year-over-year EPS growth in Q4 2025, driven by loan gains, margin expansion and strategic investments despite macroeconomic headwinds.
United Bancorp (NASDAQ:UBCP) shareholders have earned a 18% return over the last year
We believe investing is smart because history shows that stock markets go higher in the long term. But if when you...