Intrinsic Value of S&P & Nasdaq Contact Us

United Bancorp, Inc. UBCP NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
60/100
3/6 Pass
SharesGrow Intrinsic Value
$40.42
+148.1%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

United Bancorp, Inc. (UBCP) trades at a trailing P/E of 11.8, forward P/E of 12.1. Trailing earnings yield is 8.46%, forward earnings yield 8.29%. PEG 1.64. Graham Number is $19.07.

Criteria proven by this page:

  • VALUE (76/100, Pass) — P/E is below market average (11.8); earnings yield beats bond yields (8.46%).
  • PEG Ratio 1.64 — between 1.0–2.0 indicates moderate valuation relative to growth.
  • Trailing Earnings Yield 8.46% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 59/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score
60/100
SG Score
View full scorecard →
VALUE
76/100
Price-to-Earnings & upside
Proven by this page
FUTURE
N/A
No coverage
PAST
100/100
→ Income
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
MOAT
35/100
→ Income
~
GROWTH
48/100
→ Income
INCOME
70/100
→ Income

Valuation Snapshot — UBCP

Valuation Multiples
P/E (TTM)11.8
Forward P/E12.1
PEG Ratio1.64
Forward PEG17.24
P/B Ratio1.30
P/S Ratio1.92
EV/EBITDA23.7
Per Share Data
EPS (TTM)$1.33
Forward EPS (Est.)$1.35
Book Value / Share$12.13
Revenue / Share$8.17
FCF / Share$1.04
Yields & Fair Value
Earnings Yield8.46%
Forward Earnings Yield8.29%
Dividend Yield5.90%
Graham Number$19.07
SharesGrow IV$40.42 (+148.1%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 18.5 1.72 1.55 3.26 3.83%
2017 18.6 -13.40 1.50 3.13 4.19%
2018 13.2 0.85 1.12 2.27 5.69%
2019 11.6 0.26 1.32 2.56 4.08%
2020 9.0 0.57 1.05 2.08 4.67%
2021 9.7 0.56 1.27 3.00 4.49%
2022 9.3 -1.37 1.35 2.54 5.65%
2023 7.9 1.98 1.11 1.72 6.79%
2024 9.7 -0.51 1.13 1.64 7.10%
2025 10.2 0.92 1.12 1.66 6.96%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $0.71 $20.32M $3.58M 17.6%
2017 $0.71 $21.1M $3.55M 16.8%
2018 $0.82 $24.95M $4.28M 17.2%
2019 $1.19 $30.92M $6.81M 22%
2020 $1.38 $34.54M $7.95M 23%
2021 $1.62 $30.41M $9.45M 31.1%
2022 $1.51 $31.74M $8.66M 27.3%
2023 $1.57 $40.9M $8.95M 21.9%
2024 $1.25 $43.98M $7.4M 16.8%
2025 $1.34 $47.5M $7.75M 16.3%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $1.35 $1.35 – $1.35 $26.59M $26.59M – $26.59M 1
2027 $1.60 $1.60 – $1.60 $28.38M $28.38M – $28.38M 1
2028 $1.79 $1.79 – $1.79 $45.86M $45.86M – $45.86M 1
2029 $1.98 $1.98 – $1.98 $51.45M $51.45M – $51.45M 1
2030 $2.12 $2.12 – $2.12 $57.72M $57.72M – $57.72M 1
Contact Us
🎓
SharesGrow Academy
Learn how to calculate Intrinsic Value and find undervalued stocks.
Weekly live sessions
Send us a message