UBCP Valuation

United Bancorp Inc

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13.075

-0.025(-0.191%)1D

UBCP Relative Valuation

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. If the market price exceeds this fair value range, UBCP is overvalued; if below, it's undervalued.

Historical Valuation

United Bancorp Inc (UBCP) is now in the Fair zone, suggesting that its current forward PE ratio of 9.51 is considered Fairly compared with the five-year average of 8.09. The fair price of United Bancorp Inc (UBCP) is between 5.64 to 13.36 according to relative valuation methord.

Relative Value

Fair Zone

5.64-13.36

Current Price：13.07

Fair

9.51

Trailing

Forward

0.00

EV/EBITDA

United Bancorp Inc. (UBCP) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

United Bancorp Inc. (UBCP) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

13.10

United Bancorp Inc. (UBCP) has a current PS of 13.10. The 5-year average PS is 2.95. The thresholds are as follows: Strongly Undervalued below 0.09, Undervalued between 0.09 and 1.52, Fairly Valued between 4.38 and 1.52, Overvalued between 4.38 and 5.81, and Strongly Overvalued above 5.81. The current Forward PS of 13.10 falls within the Strongly Overvalued range.

0.00

P/OCF

United Bancorp Inc. (UBCP) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

United Bancorp Inc. (UBCP) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

United Bancorp Inc (UBCP) has a current Price-to-Book (P/B) ratio of 1.27. Compared to its 3-year average P/B ratio of 1.23 , the current P/B ratio is approximately 2.77% higher. Relative to its 5-year average P/B ratio of 1.28, the current P/B ratio is about -0.65% higher. United Bancorp Inc (UBCP) has a Forward Free Cash Flow (FCF) yield of approximately 1.21%. Compared to its 3-year average FCF yield of 6.40%, the current FCF yield is approximately -81.08% lower. Relative to its 5-year average FCF yield of 7.40% , the current FCF yield is about -83.63% lower.

1.27

P/B

Median3y

1.23

Median5y

1.28

1.21

FCF Yield

Median3y

6.40

Median5y

7.40

Competitors Valuation Multiple

The average P/S ratio for UBCP's competitors is 15.59, providing a benchmark for relative valuation. United Bancorp Inc Corp (UBCP) exhibits a P/S ratio of 13.10, which is -15.95% above the industry average. Given its robust revenue growth of 5.93%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

First US Bancshares Inc

Winchester Bancorp Inc

Auburn National Bancorporation Inc

25.94

22.00%

90.63M

Performance Decomposition

Market capitalization of UBCP decreased by 0.70% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 7.12M to 7.54M.

The secondary factor is the Margin Expansion, contributed 3.89%to the performance.

Overall, the performance of UBCP in the past 1 year is driven by Revenue Growth. Which is more sustainable.

5.93%

7.12M → 7.54M

Revenue Growth

3.89%

24.44 → 25.39

Margin Expansion

-10.52%

11.40 → 10.20

P/E Change

-0.70%