United Bancorp Valuation
| UBCP Stock | USD 13.36 0.40 2.91% |
At this time, the company appears to be undervalued. United Bancorp has a current Real Value of $15.6 per share. The regular price of the company is $13.36. Our model measures the value of United Bancorp from inspecting the company fundamentals such as Return On Equity of 0.13, operating margin of 0.24 %, and Shares Outstanding of 5.79 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting United Bancorp's valuation include:
Price Book 1.1815 | Enterprise Value | Price Sales 2.6459 | Trailing PE 9.7518 | Enterprise Value Revenue 6.12 |
Undervalued
Today
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.
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 | Naive 14.25 |
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.
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: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use United Bancorp's intrinsic value based on its ongoing forecasts of United Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against United Bancorp's closest peers.
United Bancorp Cash |
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United Valuation Trend
United Bancorp's real value is important for investors to make better decisions and a more accurate overall view of United Bancorp's financial worth over time. Using both United Bancorp's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
United Bancorp Total Value Analysis
United Bancorp is at this time forecasted to have valuation of 172.28 M with market capitalization of 77.34 M, debt of 101.55 M, and cash on hands of 16.79 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the United Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
172.28 M | 77.34 M | 101.55 M | 16.79 M |
United Bancorp Investor Information
About 13.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.18. 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. Based on the analysis of United Bancorp's profitability, liquidity, and operating efficiency, United Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.37 | 0.59 |
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| Total Cash From Operating Activities | 11.4 M | 10.9 M |
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| Operating Income | 18.6 M | 17.8 M |
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United Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of United connotes not a very effective usage of assets in January.United Bancorp Ownership Allocation
The market capitalization of United Bancorp is $77.34 Million. United Bancorp has 13.45 % of its outstanding shares held by insiders and 9.8 % owned by institutional holders. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.United Bancorp Profitability Analysis
The company reported the previous year's revenue of 29.89 M. Net Income was 8.59 M with profit before overhead, payroll, taxes, and interest of 29.43 M.United Bancorp Past Distributions to stockholders
About United Bancorp Valuation
The stock valuation mechanism determines United Bancorp's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of United Bancorp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of United Bancorp. We calculate exposure to United Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of United Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 47 M | 49.4 M | |
| Pretax Profit Margin | 0.37 | 0.30 | |
| Operating Profit Margin | 0.59 | 0.37 | |
| Net Profit Margin | 0.34 | 0.24 | |
| Gross Profit Margin | 1.23 | 1.10 |
United Bancorp Quarterly Retained Earnings |
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A single share of United Bancorp represents a small ownership stake in the entity. As a stockholder of United, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
United Bancorp Dividends Analysis For Valuation
At this time, United Bancorp's Dividends Paid is relatively stable compared to the past year. As of 01/12/2025, Dividend Payout Ratio is likely to grow to 0.50, while Dividend Yield is likely to drop 0.03. . At this time, United Bancorp's Retained Earnings are relatively stable compared to the past year. As of 01/12/2025, Earning Assets is likely to grow to about 244 M, while Retained Earnings Total Equity is likely to drop slightly above 26.2 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 5.5 M | 5.8 M | |
| Dividend Yield | 0.06 | 0.03 | |
| Dividend Payout Ratio | 0.48 | 0.50 | |
| Dividend Paid And Capex Coverage Ratio | 1.85 | 1.91 |
There are various types of dividends United Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of United shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from United Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When United pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of United Bancorp by the value of the dividends paid out.
United Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as United Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 5.5 M | |
| Quarterly Earnings Growth Y O Y | -0.26 |
United Bancorp Current Valuation Indicators
United Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final United Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as United Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use United Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes United Bancorp's worth.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.