Should I Buy UBCP? UBCP 2026 Analysis

Should You Buy United Bancorp Inc (UBCP) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

14.230

1 Day change

0.64%

52 Week Range

15.630

Analysis Updated At

2026/01/26

United Bancorp Inc (UBCP) is not a strong buy at this time for a beginner investor with a long-term strategy. The stock lacks significant positive trading signals, has neutral technical indicators, and no recent news or catalysts to drive price momentum. While the financial performance in Q3 2025 shows growth, the lack of strong trading trends and the absence of influential buying activity make it less compelling for immediate investment.

Technical Analysis

The MACD is negative and contracting (-0.0854), RSI is neutral at 51.329, and moving averages are converging, indicating no strong trend. The stock is trading near its pivot level of 14.018, with support at 13.495 and resistance at 14.542. Overall, the technical indicators suggest a neutral outlook.

Options Data

Positive Catalysts

The company's Q3 2025 financials show revenue growth of 8.91% YoY, net income growth of 6.29% YoY, and EPS growth of 9.68% YoY, indicating solid financial performance.

Neutral/Negative Catalysts

No recent news, no significant hedge fund or insider trading activity, and no recent congress trading data. The stock has a 60% chance of declining slightly (-0.73%) in the next day and -3.64% in the next month.

Financial Performance

In Q3 2025, United Bancorp Inc reported revenue of $7,704,000 (up 8.91% YoY), net income of $1,842,000 (up 6.29% YoY), and EPS of 0.34 (up 9.68% YoY). While these are positive growth trends, gross margin remained flat at 0.00% YoY.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No recent analyst ratings or price target changes are available for evaluation.

Analyst Rating

Wall Street analysts forecast UBCP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UBCP is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

Buy

Hold

Sell

Current: 14.140

Low

Averages

High