NASDAQ
UBCP
Last Price
US $15.88
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
United Bancorp, Inc. cash flow to debt ratio of 7.58% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
United Bancorp, Inc.'s free cash flow has decreased 46.19% from $-1.25M last year to $-1.82M, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
United Bancorp, Inc.'s debt to equity ratio is 1.74, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
United Bancorp, Inc.'s debt has decreased relative to shareholder equity from 2.08 last year to 1.74 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
United Bancorp, Inc. has a net debt to EBITDA ratio of 9.15x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
United Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
United Bancorp, Inc.'s profit margin has decreased (-3.19%) in the last year from 16.83% to 16.29%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
United Bancorp, Inc.'s short-term liabilities of $670.77M exceed its short-term assets of $165.31M, signaling financial risk
Decreasing performance - ROA.
United Bancorp, Inc.'s return on assets of 0.91% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
United Bancorp, Inc.'s return on equity of 11.80%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
United Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
United Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Decreasing performance - Free cash flow.
United Bancorp, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
United Bancorp, Inc. has negative free cash flow, indicating cash burn
Increasing performance - Healthy earnings growth.
United Bancorp, Inc.'s yearly earnings has increased 4.74% since last year from $7.40M to $7.75M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
United Bancorp, Inc.'s yearly revenue has decreased -27.57% since last year from $43.98M to $31.85M, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 3.95% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
United Bancorp, Inc.'s 3-year revenue CAGR of 14.38% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
United Bancorp, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
United Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
United Bancorp, Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
United Bancorp, Inc. has an earnings yield of 8.67%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
United Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
United Bancorp, Inc. has an EV/EBITDA ratio of 20.52x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Overvalued - PEG ratio value.
United Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
United Bancorp, Inc. has a price-to-book ratio of 1.33x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
United Bancorp, Inc. has a price-to-sales ratio of 1.98x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
11.80%
Return on equity
ROIC: 3.95%
Valuation History
11.9X
Price to Earnings
EV/EBITDA: 20.5X
Cash flow
Profit margin
-1.31%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Fair Value
Market $15.88
142.32%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.