United Bancorp (UBCP) AI Stock Analysis

• Market Cap: $82.22M
• Dividend Yield: 6.34%
• Average Volume (3M): 1.74K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.15
• Revenue Growth: 5.73%
• EPS Growth: -12.88%
• Country: US
• Employees: 115
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 5,794,011
• 10 Day Avg. Volume: 1,345
• 30 Day Avg. Volume: 1,738
• PEG Ratio: -0.51
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 1.64
• P/FCF Ratio: -57.75
• Enterprise Value/Market Cap: 2.54
• Enterprise Value/Revenue: 4.69
• Enterprise Value/Gross Profit: 7.11
• Enterprise Value/Ebitda: 25.34
• 1Y Price Target: $16.00
• Price Target Upside: 12.68% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: $16.00 ▲(12.68% Upside)

United Bancorp's strong technical momentum and attractive valuation are significant positives. While financial performance is solid, some concerns about leverage and cash flow liquidity exist, suggesting areas for improvement.

United Bancorp Business Overview & Revenue Model

Company Description

United Bancorp (UBCP) is a financial institution primarily engaged in providing a wide range of banking and financial services to individuals, businesses, and communities. Headquartered in the United States, the company operates through various segments including commercial banking, retail banking, and investment services. Its core products and services encompass checking and savings accounts, loans (including mortgages, personal loans, and business loans), wealth management, and treasury management services, aiming to meet the diverse financial needs of its customers.

How the Company Makes Money

United Bancorp generates revenue primarily through interest income from loans, which constitutes a significant portion of its earnings. The company lends money to individuals and businesses, charging interest on these loans, which is often higher than the interest paid on customer deposits. Additionally, UBCP earns fee income from various services, including account maintenance fees, transaction fees, and service charges. Investment services also contribute to revenue, as the company may earn commissions and management fees from wealth management and investment advisory services. Furthermore, strategic partnerships with other financial institutions and service providers enhance UBCP's ability to offer comprehensive financial solutions, thereby boosting its revenue streams.

United Bancorp Financial Statement Overview

Summary

United Bancorp shows a solid income statement with strong profitability margins and revenue growth. However, the balance sheet reflects moderate leverage and low equity ratios, while cash flow performance indicates potential liquidity challenges.

Income Statement

United Bancorp shows a solid income statement with stable revenue growth and strong profitability margins. The TTM gross profit margin is at 65.9%, and net profit margin stands at 16.3%, reflecting effective cost management. However, there is a slight decline in EBIT and EBITDA margins in the recent TTM period, indicating some pressure on operational efficiency.

Balance Sheet

The balance sheet reflects moderate leverage, with a debt-to-equity ratio of approximately 2.29 in the TTM period. The equity ratio is relatively low at 7.3%, indicating potential risk in terms of financial stability. Return on equity is solid at 11.98%, showcasing the company's ability to generate returns from its equity base.

Cash Flow

Cash flow performance is mixed, with negative free cash flow growth and a declining operating cash flow to net income ratio at 0.81 in the TTM period. The free cash flow to net income ratio is negative, highlighting challenges in converting income into free cash flow, which could impact future liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.62M	43.98M	40.90M	31.74M	30.41M	34.54M
Gross Profit	29.41M	28.96M	30.34M	29.43M	29.07M	26.47M
EBITDA	8.25M	8.52M	10.64M	10.70M	11.97M	9.89M
Net Income	7.28M	7.40M	8.95M	8.66M	9.45M	7.95M
Balance Sheet
Total Assets	830.68M	816.66M	819.45M	757.40M	724.46M	693.40M
Cash, Cash Equivalents and Short-Term Investments	266.25M	138.84M	210.73M	247.70M	229.31M	209.66M
Total Debt	139.32M	132.21M	128.33M	41.83M	39.37M	36.31M
Total Liabilities	769.88M	753.20M	755.86M	697.66M	652.75M	625.07M
Stockholders Equity	60.80M	63.46M	63.59M	59.74M	71.70M	68.33M
Cash Flow
Free Cash Flow	-2.06M	-1.25M	8.38M	7.97M	7.42M	6.85M
Operating Cash Flow	5.90M	8.45M	9.46M	8.48M	8.19M	9.37M
Investing Cash Flow	-8.98M	-19.46M	-48.47M	-103.26M	-1.21M	33.67M
Financing Cash Flow	-7.39M	-10.14M	49.70M	41.86M	24.42M	-6.43M

United Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBCP, the sentiment is Positive. The current price of 14.2 is above the 20-day moving average (MA) of 14.12, above the 50-day MA of 14.03, and above the 200-day MA of 13.02, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 54.32 is Neutral, neither overbought nor oversold. The STOCH value of 72.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBCP.

United Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	75 Outperform	$64.45M	9.01	10.73%	2.82%	9.06%	-16.04%
LSBK	73 Outperform	$98.11M	16.92	6.43%	2.81%	1.49%	33.52%
UBCP	73 Outperform	$82.22M	11.02	11.79%	6.34%	5.73%	-12.88%
AUBN	70 Neutral	$90.77M	13.64	8.25%	4.17%	27.65%	996.66%
FUSB	69 Neutral	$67.68M	12.13	5.99%	2.17%	2.84%	-31.20%
IROQ	69 Neutral	$84.46M	24.67	4.35%	1.59%	11.65%	67.39%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%