UB Bancorp UBNC OTC

UB Bancorp (UBNC) has shown moderate revenue growth over the past 3 years, expanding from $29M to $37M (average +8.5%/yr). Net income reached $13M, reflecting exceptional earnings expansion at +44.9%/yr on average. The net profit margin is 35.6%, which is exceptional. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 100% (high), with a +0pp trend over the period. With a market cap data available and MOAT composite score of 46/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (83/100, Pass) — proving strong growth momentum
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 14-year history, the company was profitable in 14 of 14 years — a perfect long-term track record
• INCOME (100/100, Pass) — proves strong profitability and pricing power
• MOAT (46/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 83/100 with 4/6 criteria passed.