Is United Bancorp Stock a Good Investment?
United Bancorp Investment Advice | UBCP |
- Examine United Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research United Bancorp's leadership team and their track record. Good management can help United Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact United Bancorp's business and its evolving consumer preferences.
- Compare United Bancorp's performance and market position to its competitors. Analyze how United Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if United Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about United Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in United Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if United Bancorp is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost neglects market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine United Bancorp Stock
Researching United Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 13.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.14. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. United Bancorp last dividend was issued on the 10th of December 2024. The entity had 11:10 split on the 29th of November 2006.
To determine if United Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding United Bancorp's research are outlined below:
| United Bancorp had very high historical volatility over the last 90 days | |
| About 13.0% of the company outstanding shares are owned by insiders | |
| Latest headline from news.google.com: United Bancorp, Inc. Short Interest Up 23.8 percent in December - MarketBeat |
United Bancorp Quarterly Liabilities And Stockholders Equity |
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United Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in United Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to United Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 1st of February 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Earnings surprises can significantly impact United Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises United Bancorp's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2005-10-26 | 2005-09-30 | 0.2 | 0.18 | -0.02 | 10 | ||
2004-04-21 | 2004-03-31 | 0.2 | 0.18 | -0.02 | 10 | ||
2005-01-25 | 2004-12-31 | 0.18 | 0.13 | -0.05 | 27 | ||
2004-01-26 | 2003-12-31 | 0.19 | 0.24 | 0.05 | 26 | ||
2022-02-02 | 2021-12-31 | 0.35 | 0.41 | 0.06 | 17 | ||
2020-10-20 | 2020-09-30 | 0.29 | 0.36 | 0.07 | 24 | ||
2021-01-21 | 2020-12-31 | 0.37 | 0.46 | 0.09 | 24 | ||
2021-10-28 | 2021-09-30 | 0.26 | 0.5 | 0.24 | 92 |
Know United Bancorp's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as United Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading United Bancorp backward and forwards among themselves. United Bancorp's institutional investor refers to the entity that pools money to purchase United Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-09-30 | 18.1 K | Raffles Associates Lp | 2024-09-30 | 15.3 K | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 10.3 K | State Street Corp | 2024-09-30 | 10.1 K | Bbr Partners, Llc | 2024-09-30 | 10 K | Loring Wolcott & Coolidge Fid Adv Llp | 2024-09-30 | 6.9 K | Ubs Group Ag | 2024-09-30 | 5.4 K | Advisor Group Holdings, Inc. | 2024-09-30 | 3 K | Bank Of America Corp | 2024-09-30 | 1.3 K | Commonwealth Financial Services, Llc | 2024-09-30 | 90.2 K | Vanguard Group Inc | 2024-09-30 | 69.4 K |
United Bancorp's market capitalization trends
The company currently falls under 'Micro-Cap' category with a current market capitalization of 74.79 M.Market Cap |
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United Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.16 | 0.11 |
Determining United Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if United Bancorp is a good buy. For example, gross profit margin measures United Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of United Bancorp's profitability and make more informed investment decisions.
Evaluate United Bancorp's management efficiency
As of 01/27/2025, Return On Tangible Assets is likely to drop to 0.01. In addition to that, Return On Capital Employed is likely to drop to 0.02. At this time, United Bancorp's Liabilities And Stockholders Equity is relatively stable compared to the past year. As of 01/27/2025, Non Current Liabilities Total is likely to grow to about 912 M, while Total Current Liabilities is likely to drop slightly above 495 K. United Bancorp's management efficiency ratios could be used to measure how well United Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 13.32 | 11.83 | |
| Tangible Book Value Per Share | 13.12 | 10.70 | |
| Enterprise Value Over EBITDA | 14.19 | 11.18 | |
| Price Book Value Ratio | 1.27 | 1.68 | |
| Enterprise Value Multiple | 14.19 | 11.18 | |
| Price Fair Value | 1.27 | 1.68 | |
| Enterprise Value | 118.2 M | 124.1 M |
United Bancorp showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Basic technical analysis of United Stock
As of the 27th of January, United Bancorp has the Coefficient Of Variation of 2163.83, risk adjusted performance of 0.0463, and Semi Deviation of 3.23. 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's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific United Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on United Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases United Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
United Bancorp's Outstanding Corporate Bonds
United Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. United Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most United bonds can be classified according to their maturity, which is the date when United Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand United Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing United Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0463 | |||
| Market Risk Adjusted Performance | (0.41) | |||
| Mean Deviation | 2.35 | |||
| Semi Deviation | 3.23 | |||
| Downside Deviation | 3.31 | |||
| Coefficient Of Variation | 2163.83 | |||
| Standard Deviation | 3.1 | |||
| Variance | 9.6 | |||
| Information Ratio | 0.0284 | |||
| Jensen Alpha | 0.1475 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | 0.0265 | |||
| Treynor Ratio | (0.42) | |||
| Maximum Drawdown | 15.21 | |||
| Value At Risk | (5.54) | |||
| Potential Upside | 5.1 | |||
| Downside Variance | 10.97 | |||
| Semi Variance | 10.46 | |||
| Expected Short fall | (2.36) | |||
| Skewness | (0.28) | |||
| Kurtosis | 0.5633 |
| Risk Adjusted Performance | 0.0463 | |||
| Market Risk Adjusted Performance | (0.41) | |||
| Mean Deviation | 2.35 | |||
| Semi Deviation | 3.23 | |||
| Downside Deviation | 3.31 | |||
| Coefficient Of Variation | 2163.83 | |||
| Standard Deviation | 3.1 | |||
| Variance | 9.6 | |||
| Information Ratio | 0.0284 | |||
| Jensen Alpha | 0.1475 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | 0.0265 | |||
| Treynor Ratio | (0.42) | |||
| Maximum Drawdown | 15.21 | |||
| Value At Risk | (5.54) | |||
| Potential Upside | 5.1 | |||
| Downside Variance | 10.97 | |||
| Semi Variance | 10.46 | |||
| Expected Short fall | (2.36) | |||
| Skewness | (0.28) | |||
| Kurtosis | 0.5633 |
Consider United Bancorp's intraday indicators
United Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of United Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
United Bancorp Corporate Filings
8K | 22nd of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 13th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
F4 | 24th of June 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
United Stock media impact
Far too much social signal, news, headlines, and media speculation about United Bancorp that are available to investors today. That information is available publicly through United media outlets and privately through word of mouth or via United internal channels. However, regardless of the origin, that massive amount of United data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of United Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of United Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to United Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive United Bancorp alpha.
United Bancorp Corporate Executives
Elected by the shareholders, the United Bancorp's board of directors comprises two types of representatives: United Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of United. The board's role is to monitor United Bancorp's management team and ensure that shareholders' interests are well served. United Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, United Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Randall Greenwood | CFO, Sr. VP, Treasurer and Secretary | Profile | |
| Matthew Branstetter | COO, Sr. VP, COO of The Citizens Savings Bank and Chief Lending Officer of of The Citizens Savings Bank | Profile |
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.