United Bancorp Net Income
| UBCP Stock | USD 14.81 0.61 4.30% |
As of the 15th of February 2026, United Bancorp has the Semi Deviation of 1.27, coefficient of variation of 597.79, and Risk Adjusted Performance of 0.14. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Bancorp, as well as the relationship between them.
United Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 2.6309 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 7.8 M | 4.3 M | |
| Net Income Applicable To Common Shares | 10 M | 10.5 M | |
| Net Income From Continuing Ops | 8.5 M | 5.9 M | |
| Net Income Per Share | 1.33 | 1.40 | |
| Net Income Per E B T | 0.94 | 0.65 |
United | Net Income | Build AI portfolio with United Stock |
Evaluating United Bancorp's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into United Bancorp's fundamental strength.
Latest United Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of United Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in United Bancorp financial statement analysis. It represents the amount of money remaining after all of United Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is United Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in United Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 7.75 M | 10 Years Trend |
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Net Income |
| Timeline |
United Net Income Regression Statistics
| Arithmetic Mean | 5,194,291 | |
| Geometric Mean | 4,529,642 | |
| Coefficient Of Variation | 51.59 | |
| Mean Deviation | 2,425,350 | |
| Median | 4,282,000 | |
| Standard Deviation | 2,679,953 | |
| Sample Variance | 7.2T | |
| Range | 7.9M | |
| R-Value | 0.79 | |
| Mean Square Error | 2.9T | |
| R-Squared | 0.62 | |
| Significance | 0.0002 | |
| Slope | 419,135 | |
| Total Sum of Squares | 114.9T |
United Net Income History
Other Fundumenentals of United Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
United Bancorp Net Income component correlations
United Net Income 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 Net Income. 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.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does United have expansion opportunities? Factors like these will boost the valuation of United Bancorp. If investors know United will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating United Bancorp demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.139 | Dividend Share 0.745 | Earnings Share 1.34 | Revenue Per Share | Quarterly Revenue Growth 0.174 |
Understanding United Bancorp requires distinguishing between market price and book value, where the latter reflects United's accounting equity. The concept of intrinsic value - what United Bancorp's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Market sentiment, economic cycles, and investor behavior can push United Bancorp's price substantially above or below its fundamental value.
Please note, there is a significant difference between United Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if United Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, United Bancorp's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
United Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to United Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of United Bancorp.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in United Bancorp on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding United Bancorp or generate 0.0% return on investment in United Bancorp over 90 days. United Bancorp is related to or competes with Bank of the, First Bancshares, Fifth District, IF Bancorp, First Northwest, Summit State, and Auburn National. United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking s... More
United Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure United Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess United Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.52 | |||
| Information Ratio | 0.1242 | |||
| Maximum Drawdown | 8.48 | |||
| Value At Risk | (1.94) | |||
| Potential Upside | 3.15 |
United Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for United Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as United Bancorp's standard deviation. In reality, there are many statistical measures that can use United Bancorp historical prices to predict the future United Bancorp's volatility.| Risk Adjusted Performance | 0.14 | |||
| Jensen Alpha | 0.2386 | |||
| Total Risk Alpha | 0.1409 | |||
| Sortino Ratio | 0.1324 | |||
| Treynor Ratio | 0.6887 |
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.
United Bancorp February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.14 | |||
| Market Risk Adjusted Performance | 0.6987 | |||
| Mean Deviation | 1.23 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.52 | |||
| Coefficient Of Variation | 597.79 | |||
| Standard Deviation | 1.62 | |||
| Variance | 2.63 | |||
| Information Ratio | 0.1242 | |||
| Jensen Alpha | 0.2386 | |||
| Total Risk Alpha | 0.1409 | |||
| Sortino Ratio | 0.1324 | |||
| Treynor Ratio | 0.6887 | |||
| Maximum Drawdown | 8.48 | |||
| Value At Risk | (1.94) | |||
| Potential Upside | 3.15 | |||
| Downside Variance | 2.32 | |||
| Semi Variance | 1.6 | |||
| Expected Short fall | (1.39) | |||
| Skewness | 0.2245 | |||
| Kurtosis | 0.6842 |
United Bancorp Backtested Returns
United Bancorp appears to be very steady, given 3 months investment horizon. United Bancorp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.17, which indicates the firm had a 0.17 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for United Bancorp, which you can use to evaluate the volatility of the company. Please review United Bancorp's Semi Deviation of 1.27, coefficient of variation of 597.79, and Risk Adjusted Performance of 0.14 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, United Bancorp holds a performance score of 13. The entity has a beta of 0.38, which indicates possible diversification benefits within a given portfolio. 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. Please check United Bancorp's semi variance, and the relationship between the treynor ratio and daily balance of power , to make a quick decision on whether United Bancorp's existing price patterns will revert.
Auto-correlation | 0.13 |
Insignificant predictability
United Bancorp has insignificant predictability. Overlapping area represents the amount of predictability between United Bancorp time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of United Bancorp price movement. The serial correlation of 0.13 indicates that less than 13.0% of current United Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.13 | |
| Spearman Rank Test | 0.11 | |
| Residual Average | 0.0 | |
| Price Variance | 0.13 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
United Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, United Bancorp reported net income of 7.75 M. This is 99.39% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 98.64% higher than that of the company.
United Net Income 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 Net Income 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 net income 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.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 91.3M | 80.7M | 70.5M | 83.4M | 75.1M | 42.2M | |
| Enterprise Value | 56.7M | 47.6M | 92.5M | 158.1M | 142.3M | 149.4M |
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 Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in United Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of United Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing United Bancorp's value.| Shares | Koss-olinger Consulting, Llc | 2025-06-30 | 23.3 K | Raffles Associates Lp | 2025-06-30 | 17.7 K | Lpl Financial Corp | 2025-06-30 | 15.2 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 8.7 K | Loring Wolcott & Coolidge Fid Adv Llp | 2025-06-30 | 6.9 K | Ubs Group Ag | 2025-06-30 | 5.4 K | Advisor Group Holdings, Inc. | 2025-06-30 | 3 K | Acadian Asset Management Llc | 2025-06-30 | 3 K | Beacon Capital Management, Llc | 2025-06-30 | 535 | Vanguard Group Inc | 2025-06-30 | 87.7 K | Commonwealth Financial Services, Llc | 2025-06-30 | 84.4 K |
United Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0089 | ||||
| Profit Margin | 0.24 % | ||||
| Operating Margin | 0.23 % | ||||
| Current Valuation | 68.32 M | ||||
| Shares Outstanding | 5.77 M | ||||
| Shares Owned By Insiders | 14.43 % | ||||
| Shares Owned By Institutions | 12.00 % | ||||
| Number Of Shares Shorted | 5.23 K | ||||
| Price To Earning | 10.83 X | ||||
| Price To Book | 1.76 X | ||||
| Price To Sales | 2.68 X | ||||
| Revenue | 47.5 M | ||||
| Gross Profit | 31.85 M | ||||
| EBITDA | 9.26 M | ||||
| Net Income | 7.75 M | ||||
| Cash And Equivalents | 16.79 M | ||||
| Cash Per Share | 2.92 X | ||||
| Total Debt | 786.93 M | ||||
| Debt To Equity | 8.76 % | ||||
| Book Value Per Share | 11.51 X | ||||
| Cash Flow From Operations | 8.45 M | ||||
| Short Ratio | 1.42 X | ||||
| Earnings Per Share | 1.34 X | ||||
| Target Price | 20.0 | ||||
| Number Of Employees | 115 | ||||
| Beta | 0.39 | ||||
| Market Capitalization | 85.51 M | ||||
| Total Asset | 857.44 M | ||||
| Retained Earnings | 48.58 M | ||||
| Annual Yield | 0.05 % | ||||
| Five Year Return | 4.14 % | ||||
| Net Asset | 857.44 M | ||||
| Last Dividend Paid | 0.75 |
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 together with United Stock
| 0.77 | BNPH | BNP PARIBAS ADR | PairCorr |
| 0.69 | BIRG | Bank of Ireland | PairCorr |
| 0.63 | AON0 | AOZORA BANK LTD | PairCorr |
| 0.7 | AX | Axos Financial | PairCorr |
| 0.64 | BY | Byline Bancorp | PairCorr |
Moving against United Stock
| 0.63 | D7C | China CITIC Bank | PairCorr |
| 0.62 | 3YB | Postal Savings Bank | PairCorr |
| 0.46 | C3B | Chongqing Rural Comm | PairCorr |
| 0.38 | ICBA | ICICI Bank Limited | PairCorr |
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.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.