United Bancorp, Inc. (UBCP) is a Banks - Regional company in the Financial Services sector, currently trading at $16.29. It has a SharesGrow Score of 59/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of UBCP = $40.42 (+148.1% from the current price, the stock appears undervalued).
Valuation: UBCP trades at a trailing Price-to-Earnings (P/E) of 11.8 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.64.
Financials: revenue is $47M, +14.8%/yr average growth. Net income is $8M, growing at -3.1%/yr. Net profit margin is 16.3% (healthy). Gross margin is 67.4% (-25.3 pp trend).
Balance sheet: total debt is $131M against $71M equity (Debt-to-Equity (D/E) ratio 1.86, leveraged). Current ratio is 1.58 (strong liquidity). Debt-to-assets is 15.3%. Total assets: $857M.
SharesGrow 7-Criteria breakdown: Value 76/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).
