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UB Bancorp UBNC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

UB Bancorp (UBNC) is a Banks - Regional company in the Financial Services sector, currently trading at $21.05. It has a SharesGrow Score of 80/100, indicating a strong investment profile with 4 out of 7 criteria passed.

Financials: revenue is $37M, +8.5%/yr average growth. Net income is $13M, growing at +44.9%/yr. Net profit margin is 35.6% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $51M against $100M equity (Debt-to-Equity (D/E) ratio 0.51, moderate). Current ratio is 2188.26 (strong liquidity). Debt-to-assets is 4.4%. Total assets: $1.2B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 46/100 (Partial), Future ?/100 (Fail), Income 100/100 (Pass).

UBNC SharesGrow Score Overview

83/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 83/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 67/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 100/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — UBNC

UBNC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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UBNC: +8.5%/yr revenue is, +44.9%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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UBNC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet UBNC: Debt-to-Equity (D/E) ratio 0.51 (moderate), Current ratio is 2188.26 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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UBNC: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

UBNC: Net profit margin is 35.6%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range16.91-23.5

Volume4

Avg Volume (30D)2.05K

Beta (1Y)0.56

Dividend Yield$5.1374

Share Statistics

EPS (TTM)2.18

Shares Outstanding$5.99M

IPO Date1998-11-11

CEOVincent Robert Jones

Financial Highlights & Ratios

Revenue (TTM)$36.65M

Gross Profit$36.65M

EBITDA$22.87M

Net Income$13.04M

Operating Income$19.68M

Total Cash$299.59M

Total Debt$51.18M

Net Debt$27.09M

Total Assets$1.16B

Price / Earnings (P/E)9.7

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS9034501042

Price Chart

UBNC

UB Bancorp ↗ · Other OTC

Financial Services • Banks - Regional

16.91 52WK RANGE 23.50

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