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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.91
OTCBB:UBMI's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 2.91 )
OTCBB:UBMI' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: 2.91

Equity to Asset 0.09
OTCBB:UBMI's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 0.09 )
OTCBB:UBMI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.09

0.08
0.11
Interest Coverage 4.23
OTCBB:UBMI's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 4.23 )
OTCBB:UBMI' s 10-Year Interest Coverage Range
Min: 0.08   Max: 4.23
Current: 4.23

0.08
4.23
F-Score: 5
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 24.83
OTCBB:UBMI's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 24.83 )
OTCBB:UBMI' s 10-Year Operating margin (%) Range
Min: -29.89   Max: 30.94
Current: 24.83

-29.89
30.94
Net-margin (%) 16.98
OTCBB:UBMI's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 16.98 )
OTCBB:UBMI' s 10-Year Net-margin (%) Range
Min: -18.24   Max: 27.31
Current: 16.98

-18.24
27.31
ROE (%) 9.74
OTCBB:UBMI's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 9.74 )
OTCBB:UBMI' s 10-Year ROE (%) Range
Min: -11.75   Max: 15.6
Current: 9.74

-11.75
15.6
ROA (%) 0.97
OTCBB:UBMI's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 0.97 )
OTCBB:UBMI' s 10-Year ROA (%) Range
Min: -1.01   Max: 1.4
Current: 0.97

-1.01
1.4
ROC (Joel Greenblatt) (%) 125.97
OTCBB:UBMI's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: 125.97 )
OTCBB:UBMI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -113.34   Max: 120.82
Current: 125.97

-113.34
120.82
Revenue Growth (%) -22.20
OTCBB:UBMI's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. OTCBB:UBMI: -22.20 )
OTCBB:UBMI' s 10-Year Revenue Growth (%) Range
Min: -24.7   Max: 10
Current: -22.2

-24.7
10
» OTCBB:UBMI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

UBMI Guru Trades in Q4 2013

Arnold Schneider 100,000 sh (-16.67%)
» More
Q1 2014

UBMI Guru Trades in Q1 2014

Arnold Schneider 100,000 sh (unchged)
» More
Q2 2014

UBMI Guru Trades in Q2 2014

Arnold Schneider 100,000 sh (unchged)
» More
Q3 2014

UBMI Guru Trades in Q3 2014

Arnold Schneider Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with OTCBB:UBMI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-09-30 Sold Out 0.14%$12.1 - $12.69 $ 12.1-2%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 19.50
UBMI's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 19.50 )
UBMI' s 10-Year P/E(ttm) Range
Min: 10.96   Max: 2437.5
Current: 19.5

10.96
2437.5
P/B 1.82
UBMI's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 1.82 )
UBMI' s 10-Year P/B Range
Min: 0.31   Max: 2.65
Current: 1.82

0.31
2.65
P/S 3.00
UBMI's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 3.00 )
UBMI' s 10-Year P/S Range
Min: 0.33   Max: 18.53
Current: 3

0.33
18.53
PFCF 8.07
UBMI's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 8.07 )
UBMI' s 10-Year PFCF Range
Min: 0.63   Max: 8.48
Current: 8.07

0.63
8.48
EV-to-EBIT 8.96
UBMI's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 8.96 )
UBMI' s 10-Year EV-to-EBIT Range
Min: -68.9   Max: 79.2
Current: 8.96

-68.9
79.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
UBMI's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 1.80 )
UBMI' s 10-Year Price/Tangible Book Range
Min: 0.32   Max: 2.82
Current: 1.8

0.32
2.82
Price/DCF (Projected) 0.70
UBMI's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 0.70 )
UBMI' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 2.31
Current: 0.7

0.17
2.31
Price/Median PS Value 2.00
UBMI's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 2.00 )
UBMI' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 11.15
Current: 2

0.26
11.15
Price/Graham Number 1.20
UBMI's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 1.20 )
UBMI' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.64
Current: 1.2

0.5
1.64
Earnings Yield (Greenblatt) 11.20
UBMI's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: 11.20 )
UBMI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 44.9
Current: 11.2

1.3
44.9
Forward Rate of Return (Yacktman) -17.88
UBMI's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. UBMI: -17.88 )
UBMI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17.4   Max: 75.5
Current: -17.88

-17.4
75.5

Business Description

Industry: »
Compare: » details
United Bancorp MI was incorporated on May 31, 1985, as a business corporation. The Company is a financial holding company registered with the Board of Governors of the Federal Reserve System. Its subsidiary banks offer a range of services to individuals, corporations, fiduciaries and other institutions. Banking services include checking, NOW accounts, savings, time deposit accounts, money market deposit accounts, safe deposit facilities and money transfers. Lending operations provide real estate loans, secured and unsecured business and personal loans, consumer installment loans, credit card and check-credit loans, home equity loans, accounts receivable and inventory financing, equipment lease financing and construction financing. They face competition from credit unions, savings associations, finance companies, loan production offices and other financial services companies. At December 31, 2011, the Company had total assets of approximately $885.0 million, total deposits of approximately $764.9 million, and total shareholders' equity of approximately $93.8 million. The Company has four primary lines of business under one operating segment of commercial banking: banking services, residential mortgage, wealth management and structured finance. During the year ended December 31, 2011, its net interest income accounted for approximately 63.6% of its operating revenues and its noninterest income accounted for approximately 36.4% of its operating revenues. The Company and the Bank are extensively regulated and are subject to a comprehensive regulatory framework that imposes restrictions on their activities, minimum capital requirements, lending and deposit restrictions, and numerous other requirements.
» More Articles for UBMI

Headlines

Articles On GuruFocus.com
Comment for 10 Year Financials of United Bancorp Inc (UBMI) - GuruFocus.com Oct 01 2012 
(UBMI) CEO Robert K Chapman buys 40,000 Shares Dec 21 2010 

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