United Bancorp Stock Current Valuation

UBCP Stock

USD 13.36 0.40 2.91%

Valuation analysis of United Bancorp helps investors to measure United Bancorp's intrinsic value by examining its available valuation indicators, including the cash flow records, the balance sheet account changes and income statement patterns. As of 01/12/2025, Enterprise Value is likely to grow to about 124.1 M, while Enterprise Value Over EBITDA is likely to drop 11.18. Fundamental drivers impacting United Bancorp's valuation include:

Price Book

1.1815

Enterprise Value

172.3 M

Price Sales

2.6459

Trailing PE

9.7518

Enterprise Value Revenue

6.12

Undervalued

Today

13.36

Please note that United Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of United Bancorp is based on 3 months time horizon. Increasing United Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.

Buy or Sell Advice Valuation Matrix

United Bancorp's intrinsic value may or may not be the same as its current market price of 13.36, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.

Historical

Market 13.36

Real 15.6

Target 20.0

Hype 13.34

The intrinsic value of United Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence United Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.

12.57

Downside

15.60

Real Value

Target Odds

Above Odds

Below Odds

18.63

Upside

Estimating the potential upside or downside of United Bancorp helps investors to forecast how United stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of United Bancorp more accurately as focusing exclusively on United Bancorp's fundamentals will not take into account other important factors:

Earnings

Estimates (0)

Low	Projected	High
0.38	0.38	0.38

Details

Hype

Prediction

Low	Estimated	High
10.31	13.34	16.37

Details

1 Analysts

Consensus

Low	Target Price	High
18.20	20.00	22.20

Details

United Bancorp Company Current Valuation Analysis

United Bancorp's Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.

Enterprise Value

Market Cap + Debt

-

Cash

More About Current Valuation | All Equity Analysis

Current United Bancorp Current Valuation

172.28 M

Most of United Bancorp's fundamental indicators, such as Current Valuation, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, United Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

United Current Valuation Driver Correlations

Understanding the fundamental principles of building solid financial models for United Bancorp is extremely important. It helps to project a fair market value of United Stock properly, considering its historical fundamentals such as Current Valuation. Since United Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of United Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of United Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Long Term Debt	Treasury Stock	Intangible Assets	Property Plant Equipment	Short Term Investments	Good Will	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Current Deferred Revenue	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.76	0.45	0.98	-0.18	0.89	0.99	-0.28	0.34	0.75	0.83	-0.86	0.25	0.71	0.6	0.75	0.82	0.91	0.85	0.04	-0.78	0.77	0.94	0.79	0.73
Total Stockholder Equity	0.76		0.09	0.72	-0.19	0.55	0.78	-0.09	0.34	0.88	0.43	-0.67	0.31	0.91	0.73	0.78	0.92	0.74	0.89	-0.11	-0.7	0.74	0.77	0.69	0.4
Net Debt	0.45	0.09		0.47	0.14	0.52	0.45	-0.46	0.38	0.26	0.68	-0.26	0.01	0.1	-0.05	0.1	0.09	0.35	0.19	0.34	-0.11	0.21	0.31	0.58	0.56
Retained Earnings	0.98	0.72	0.47		-0.2	0.89	0.96	-0.4	0.4	0.7	0.87	-0.9	0.07	0.65	0.5	0.65	0.78	0.89	0.81	-0.05	-0.71	0.71	0.89	0.78	0.77
Accounts Payable	-0.18	-0.19	0.14	-0.2		-0.14	-0.15	0.24	-0.12	-0.05	-0.15	0.19	-0.03	-0.33	0.0	0.04	-0.29	-0.21	-0.25	-0.1	0.24	-0.32	-0.24	-0.17	-0.12
Net Receivables	0.89	0.55	0.52	0.89	-0.14		0.83	-0.45	0.24	0.44	0.91	-0.91	0.12	0.55	0.5	0.71	0.72	0.91	0.8	0.0	-0.71	0.63	0.91	0.84	0.79
Total Liab	0.99	0.78	0.45	0.96	-0.15	0.83		-0.22	0.35	0.82	0.79	-0.81	0.26	0.7	0.59	0.73	0.8	0.86	0.81	0.05	-0.75	0.75	0.9	0.75	0.7
Total Current Assets	-0.28	-0.09	-0.46	-0.4	0.24	-0.45	-0.22		-0.49	0.08	-0.46	0.45	0.34	-0.2	-0.06	0.08	-0.25	-0.41	-0.25	-0.05	0.18	-0.33	-0.3	-0.4	-0.37
Short Term Debt	0.34	0.34	0.38	0.4	-0.12	0.24	0.35	-0.49		0.36	0.35	-0.28	0.01	0.47	0.03	0.05	0.27	0.22	0.28	-0.09	-0.01	0.48	0.2	0.36	0.33
Common Stock	0.75	0.88	0.26	0.7	-0.05	0.44	0.82	0.08	0.36		0.43	-0.49	0.29	0.76	0.56	0.65	0.69	0.56	0.71	0.04	-0.55	0.6	0.61	0.58	0.45
Long Term Debt	0.83	0.43	0.68	0.87	-0.15	0.91	0.79	-0.46	0.35	0.43		-0.79	-0.07	0.42	0.16	0.49	0.55	0.77	0.64	-0.1	-0.53	0.48	0.75	0.85	0.86
Treasury Stock	-0.86	-0.67	-0.26	-0.9	0.19	-0.91	-0.81	0.45	-0.28	-0.49	-0.79		0.03	-0.63	-0.54	-0.69	-0.83	-0.93	-0.83	0.28	0.69	-0.63	-0.9	-0.74	-0.69
Intangible Assets	0.25	0.31	0.01	0.07	-0.03	0.12	0.26	0.34	0.01	0.29	-0.07	0.03		0.4	0.57	0.51	0.33	0.18	0.31	0.48	-0.32	0.51	0.36	0.07	-0.09
Property Plant Equipment	0.71	0.91	0.1	0.65	-0.33	0.55	0.7	-0.2	0.47	0.76	0.42	-0.63	0.4		0.67	0.7	0.89	0.69	0.87	-0.07	-0.7	0.84	0.75	0.65	0.46
Short Term Investments	0.6	0.73	-0.05	0.5	0.0	0.5	0.59	-0.06	0.03	0.56	0.16	-0.54	0.57	0.67		0.82	0.76	0.68	0.74	0.28	-0.71	0.69	0.74	0.4	0.13
Good Will	0.75	0.78	0.1	0.65	0.04	0.71	0.73	0.08	0.05	0.65	0.49	-0.69	0.51	0.7	0.82		0.81	0.76	0.88	0.0	-0.75	0.64	0.84	0.67	0.42
Net Tangible Assets	0.82	0.92	0.09	0.78	-0.29	0.72	0.8	-0.25	0.27	0.69	0.55	-0.83	0.33	0.89	0.76	0.81		0.89	0.95	-0.12	-0.81	0.82	0.91	0.73	0.51
Long Term Debt Total	0.91	0.74	0.35	0.89	-0.21	0.91	0.86	-0.41	0.22	0.56	0.77	-0.93	0.18	0.69	0.68	0.76	0.89		0.86	-0.01	-0.76	0.71	0.96	0.81	0.65
Capital Surpluse	0.85	0.89	0.19	0.81	-0.25	0.8	0.81	-0.25	0.28	0.71	0.64	-0.83	0.31	0.87	0.74	0.88	0.95	0.86		-0.08	-0.79	0.76	0.91	0.82	0.61
Long Term Investments	0.04	-0.11	0.34	-0.05	-0.1	0.0	0.05	-0.05	-0.09	0.04	-0.1	0.28	0.48	-0.07	0.28	0.0	-0.12	-0.01	-0.08		-0.1	0.17	0.05	-0.04	-0.11
Short Long Term Debt	-0.78	-0.7	-0.11	-0.71	0.24	-0.71	-0.75	0.18	-0.01	-0.55	-0.53	0.69	-0.32	-0.7	-0.71	-0.75	-0.81	-0.76	-0.79	-0.1		-0.82	-0.85	-0.6	-0.43
Current Deferred Revenue	0.77	0.74	0.21	0.71	-0.32	0.63	0.75	-0.33	0.48	0.6	0.48	-0.63	0.51	0.84	0.69	0.64	0.82	0.71	0.76	0.17	-0.82		0.81	0.56	0.38
Earning Assets	0.94	0.77	0.31	0.89	-0.24	0.91	0.9	-0.3	0.2	0.61	0.75	-0.9	0.36	0.75	0.74	0.84	0.91	0.96	0.91	0.05	-0.85	0.81		0.78	0.64
Net Invested Capital	0.79	0.69	0.58	0.78	-0.17	0.84	0.75	-0.4	0.36	0.58	0.85	-0.74	0.07	0.65	0.4	0.67	0.73	0.81	0.82	-0.04	-0.6	0.56	0.78		0.73
Capital Stock	0.73	0.4	0.56	0.77	-0.12	0.79	0.7	-0.37	0.33	0.45	0.86	-0.69	-0.09	0.46	0.13	0.42	0.51	0.65	0.61	-0.11	-0.43	0.38	0.64	0.73

Click cells to compare fundamentals

Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.

Competition

Predict United Bancorp

Enterprise Value Over Time

In accordance with the recently published financial statements, United Bancorp has a Current Valuation of 172.28 M. This is 99.48% lower than that of the Banks sector and significantly higher than that of the Financials industry. The current valuation for all United States stocks is 98.96% higher than that of the company.

United Current Valuation Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses United Bancorp's direct or indirect competition against its Current Valuation to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of United Bancorp could also be used in its relative valuation, which is a method of valuing United Bancorp by comparing valuation metrics of similar companies.

United Bancorp is currently under evaluation in current valuation category among its peers.

United Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of United Bancorp from analyzing United Bancorp's financial statements. These drivers represent accounts that assess United Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of United Bancorp's important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	71.9M	91.3M	80.7M	70.5M	63.4M	41.3M
Enterprise Value	44.0M	31.9M	74.4M	131.3M	118.2M	124.1M

United Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, United Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to United Bancorp's managers, analysts, and investors.

Environmental

Governance

Social

United Fundamentals

	Return On Equity	0.13
	Return On Asset	0.0097
	Profit Margin	0.27 %
	Operating Margin	0.24 %
	Current Valuation	172.28 M
	Shares Outstanding	5.79 M
	Shares Owned By Insiders	13.45 %
	Shares Owned By Institutions	9.80 %
	Number Of Shares Shorted	7.8 K
	Price To Earning	10.83 X
	Price To Book	1.18 X
	Price To Sales	2.65 X
	Revenue	29.89 M
	Gross Profit	29.43 M
	EBITDA	10.64 M
	Net Income	8.59 M
	Cash And Equivalents	16.79 M
	Cash Per Share	2.92 X
	Total Debt	101.55 M
	Debt To Equity	8.76 %
	Book Value Per Share	11.64 X
	Cash Flow From Operations	9.46 M
	Short Ratio	0.68 X
	Earnings Per Share	1.37 X
	Target Price	20.0
	Number Of Employees	115
	Beta	0.42
	Market Capitalization	77.34 M
	Total Asset	819.45 M
	Retained Earnings	44.02 M
	Annual Yield	0.05 %
	Five Year Return	4.14 %
	Net Asset	819.45 M
	Last Dividend Paid	0.7

About United Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze United Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of United Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of United Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with United Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if United Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in United Bancorp will appreciate offsetting losses from the drop in the long position's value.

Moving against United Stock

0.42	KB	KB Financial Group	Pair Corr
0.4	NU	Nu Holdings Aggressive Push	Pair Corr
0.38	TFC-PO	Truist Financial Earnings Call This Week	Pair Corr
0.36	TFC-PR	Truist Financial Earnings Call This Week	Pair Corr
0.34	WF	Woori Financial Group	Pair Corr

The ability to find closely correlated positions to United Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace United Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back United Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling United Bancorp to buy it.

The correlation of United Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as United Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if United Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for United Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

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.

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United Bancorp Stock Current Valuation

United Bancorp Company Current Valuation Analysis

Enterprise Value

Market Cap + Debt

-

Cash

Current United Bancorp Current Valuation

United Current Valuation Driver Correlations

United Current Valuation Peer Comparison

United Bancorp Current Valuation Drivers

United Bancorp ESG Sustainability

United Fundamentals

About United Bancorp Fundamental Analysis

Pair Trading with United Bancorp

Moving against United Stock

Additional Tools for United Stock Analysis

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