United Bancorp Stock Performance

UBCP Stock  USD 13.95  0.04  0.29%   
United Bancorp has a performance score of 7 on a scale of 0 to 100. The entity has a beta of 0.25, which indicates not very significant fluctuations relative to the market. As returns on the market increase, United Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding United Bancorp is expected to be smaller as well. United Bancorp right now has a risk of 1.64%. Please validate United Bancorp semi variance, and the relationship between the treynor ratio and daily balance of power , to decide if United Bancorp will be following its existing price patterns.

Risk-Adjusted Performance

Fair

 
Weak
 
Strong
Compared to the overall equity markets, risk-adjusted returns on investments in United Bancorp are ranked lower than 7 (%) of all global equities and portfolios over the last 90 days. Even with relatively abnormal fundamental indicators, United Bancorp may actually be approaching a critical reversion point that can send shares even higher in February 2026. ...more

Actual Historical Performance (%)

One Day Return
0.49
Five Day Return
2.3
Year To Date Return
(2.98)
Ten Year Return
53.56
All Time Return
222.05
Forward Dividend Yield
0.0546
Payout Ratio
0.6899
Last Split Factor
11:10
Forward Dividend Rate
0.76
Dividend Date
2025-12-19
1
Is United Bancorp Inc. stock a top pick in earnings season - July 2025 Setups Risk Managed Investment Signals - newser.com
10/30/2025
2
Is United Bancorp Inc. stock overvalued by current metrics - Quarterly Earnings Summary Community Supported Trade Ideas - newser.com
11/13/2025
3
Acquisition by Hoopingarner John M of 485 shares of United Bancorp at 15.41 subject to Rule 16b-3
11/14/2025
4
United Bancorp raises quarterly dividend by 1.3 percent to 0.19share
11/20/2025
5
What drives United Bancorp Inc. stock price - Price Action Analysis Discover Top Gainers in Every Sector - earlytimes.in
12/08/2025
 
United Bancorp dividend paid on 19th of December 2025
12/19/2025
6
The Technical Signals Behind That Institutions Follow - news.stocktradersdaily.com
12/23/2025
7
OVBC vs. UBCP Which Bank Stock Deserves a Spot in Your Portfolio
12/31/2025
8
United Bancorp Inc Sleepy Bank Stock Or Secret Dividend Cheat Code - AD HOC NEWS
01/05/2026
9
Financial Comparison QCR United Bancorp
01/13/2026
10
United Bancorp Share Price Crosses Above Two Hundred Day Moving Average - Heres What Happened - MarketBeat
01/23/2026
Begin Period Cash Flow40.8 M
Total Cashflows From Investing Activities-19.5 M

United Bancorp Relative Risk vs. Return Landscape

If you would invest  1,281  in United Bancorp on October 28, 2025 and sell it today you would earn a total of  114.00  from holding United Bancorp or generate 8.9% return on investment over 90 days. United Bancorp is currently generating 0.1508% in daily expected returns and assumes 1.6405% risk (volatility on return distribution) over the 90 days horizon. In different words, 14% of stocks are less volatile than United, and 97% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon.
  Expected Return   
       Risk  
Given the investment horizon of 90 days United Bancorp is expected to generate 2.23 times more return on investment than the market. However, the company is 2.23 times more volatile than its market benchmark. It trades about 0.09 of its potential returns per unit of risk. The Dow Jones Industrial is currently generating roughly 0.08 per unit of risk.

United Bancorp Target Price Odds to finish over Current Price

The tendency of United Stock price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
Current PriceHorizonTarget PriceOdds to move above the current price in 90 days
 13.95 90 days 13.95 
about 23.43
Based on a normal probability distribution, the odds of United Bancorp to move above the current price in 90 days from now is about 23.43 (This United Bancorp probability density function shows the probability of United Stock to fall within a particular range of prices over 90 days) .
Given the investment horizon of 90 days United Bancorp has a beta of 0.25. This usually implies as returns on the market go up, United Bancorp average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding United Bancorp will be expected to be much smaller as well. Additionally United Bancorp has an alpha of 0.1173, implying that it can generate a 0.12 percent excess return over Dow Jones Industrial after adjusting for the inherited market risk (beta).
   United Bancorp Price Density   
       Price  

Predictive Modules for United Bancorp

There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as United Bancorp. Regardless of method or technology, however, to accurately forecast the stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of United Bancorp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Hype
Prediction
LowEstimatedHigh
12.2713.9215.57
Details
Intrinsic
Valuation
LowRealHigh
12.5216.8818.52
Details
Naive
Forecast
LowNextHigh
12.2113.8715.52
Details
1 Analysts
Consensus
LowTargetHigh
18.2020.0022.20
Details

United Bancorp Risk Indicators

For the most part, the last 10-20 years have been a very volatile time for the stock market. United Bancorp is not an exception. The market had few large corrections towards the United Bancorp's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold United Bancorp, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of United Bancorp within the framework of very fundamental risk indicators.
α
Alpha over Dow Jones
0.12
β
Beta against Dow Jones0.25
σ
Overall volatility
0.69
Ir
Information ratio 0.04

United Bancorp Alerts and Suggestions

In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of United Bancorp for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for United Bancorp can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.
United Bancorp has a poor financial position based on the latest SEC disclosures
About 15.0% of the company outstanding shares are owned by insiders
On 19th of December 2025 United Bancorp paid $ 0.19 per share dividend to its current shareholders
Latest headline from news.google.com: United Bancorp Share Price Crosses Above Two Hundred Day Moving Average - Heres What Happened - MarketBeat

United Bancorp Price Density Drivers

Market volatility will typically increase when nervous long traders begin to feel the short-sellers pressure to drive the market lower. The future price of United Stock often depends not only on the future outlook of the current and potential United Bancorp's investors but also on the ongoing dynamics between investors with different trading styles. Because the market risk indicators may have small false signals, it is better to identify suitable times to hedge a portfolio using different long/short signals. United Bancorp's indicators that are reflective of the short sentiment are summarized in the table below.
Common Stock Shares Outstanding5.5 M
Cash And Short Term Investments138.8 M

United Bancorp Fundamentals Growth

United Stock prices reflect investors' perceptions of the future prospects and financial health of United Bancorp, and United Bancorp fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on United Stock performance.

About United Bancorp Performance

Assessing United Bancorp's fundamental ratios provides investors with valuable insights into United Bancorp's financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the United Bancorp is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.05  0.05 
Return On Assets 0.01  0.01 
Return On Equity 0.13  0.11 

Things to note about United Bancorp performance evaluation

Checking the ongoing alerts about United Bancorp for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for United Bancorp help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.
United Bancorp has a poor financial position based on the latest SEC disclosures
About 15.0% of the company outstanding shares are owned by insiders
On 19th of December 2025 United Bancorp paid $ 0.19 per share dividend to its current shareholders
Latest headline from news.google.com: United Bancorp Share Price Crosses Above Two Hundred Day Moving Average - Heres What Happened - MarketBeat
Evaluating United Bancorp's performance can involve analyzing a variety of financial metrics and factors. Some of the key considerations to evaluate United Bancorp's stock performance include:
  • Analyzing United Bancorp's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
  • Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether United Bancorp's stock is overvalued or undervalued compared to its peers.
  • Examining United Bancorp's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
  • Evaluating United Bancorp's management team can have a significant impact on its success or failure. Reviewing the track record and experience of United Bancorp's management team can help you assess the Company's leadership.
  • Pay attention to analyst opinions and ratings of United Bancorp's stock. These opinions can provide insight into United Bancorp's potential for growth and whether the stock is currently undervalued or overvalued.
It's essential to remember that evaluating United Bancorp's stock performance is not an exact science, and many factors can impact United Bancorp's stock market price. Therefore, it's also important to diversify your portfolio and not rely solely on one company or stock for your investments.

Additional Tools for United Stock Analysis

When running United Bancorp's price analysis, check to measure United Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Bancorp is operating at the current time. Most of United Bancorp's value examination focuses on studying past and present price action to predict the probability of United Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Bancorp's price. Additionally, you may evaluate how the addition of United Bancorp to your portfolios can decrease your overall portfolio volatility.