UBCP PE Ratio & Valuation, Is UBCP Overvalued

Historical Valuation

United Bancorp Inc (UBCP) is now in the Overvalued zone, suggesting that its current forward PE ratio of 10.41 is considered Overvalued compared with the five-year average of 8.09. The fair price of United Bancorp Inc (UBCP) is between 5.91 to 14.14 according to relative valuation method. Compared to the current price of 15.01 USD , United Bancorp Inc By Overvalued By 6.13%.

Relative Value

Fair Zone

5.91-14.14

Current Price：15.01

6.13%

Overvalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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United Bancorp Inc (UBCP) has a current Price-to-Book (P/B) ratio of 1.25. Compared to its 3-year average P/B ratio of 1.20, the current P/B ratio is approximately 4.17% higher. Relative to its 5-year average P/B ratio of 1.28, the current P/B ratio is about -2.85% higher. United Bancorp Inc (UBCP) has a Forward Free Cash Flow (FCF) yield of approximately 2.69%. Compared to its 3-year average FCF yield of 5.92%, the current FCF yield is approximately -54.49% lower. Relative to its 5-year average FCF yield of 7.12%, the current FCF yield is about -62.18% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for UBCP competitors is 0.63, providing a benchmark for relative valuation. United Bancorp Inc Corp (UBCP.O) exhibits a P/S ratio of 3.14, which is 400% above the industry average. Given its robust revenue growth of 8.91%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of UBCP increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of UBCP in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is UBCP currently overvalued or undervalued?

What is United Bancorp Inc (UBCP) fair value?

UBCP's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of United Bancorp Inc (UBCP) is between 5.91 to 14.14 according to relative valuation method.

How does UBCP's valuation metrics compare to the industry average?

The average P/S ratio for UBCP's competitors is 0.63, providing a benchmark for relative valuation. United Bancorp Inc Corp (UBCP) exhibits a P/S ratio of 3.14, which is 400.00% above the industry average. Given its robust revenue growth of 8.91%, this premium appears unsustainable.

What is the current P/B ratio for United Bancorp Inc (UBCP) as of Mar 12 2026?

As of Mar 12 2026, United Bancorp Inc (UBCP) has a P/B ratio of 1.25. This indicates that the market values UBCP at 1.25 times its book value.

What is the current FCF Yield for United Bancorp Inc (UBCP) as of Mar 12 2026?

As of Mar 12 2026, United Bancorp Inc (UBCP) has a FCF Yield of 2.69%. This means that for every dollar of United Bancorp Inc's market capitalization, the company generates 2.69 cents in free cash flow.

What is the current Forward P/E ratio for United Bancorp Inc (UBCP) as of Mar 12 2026?

As of Mar 12 2026, United Bancorp Inc (UBCP) has a Forward P/E ratio of 10.41. This means the market is willing to pay $10.41 for every dollar of United Bancorp Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for United Bancorp Inc (UBCP) as of Mar 12 2026?

As of Mar 12 2026, United Bancorp Inc (UBCP) has a Forward P/S ratio of 3.14. This means the market is valuing UBCP at $3.14 for every dollar of expected revenue over the next 12 months.

UBCP Valuation