Switch to:

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 : 5/10

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 : 3/10

» UBMI's 10-Y 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 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!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )



Valuation & Return


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


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 

More From Other Websites
City approves $10 million funding for A. G. Gaston Motel redevelopment Jan 27 2015
TechFlash: Here are five things you need to know this week Jan 26 2015
Valley National Bancorp and 1st United Bancorp, Inc. Announce Closing Date for the Acquisition of... Oct 22 2014
UNITED BANCORP INC /MI/ Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Aug 01 2014
UNITED BANCORP INC /MI/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 26 2014
UNITED BANCORP INC /MI/ Files SEC form 8-K, Regulation FD Disclosure Jun 10 2014
United Bancorp, Inc.: Compelling Buying Opportunity For Investors Seeking Generous Long Term... May 23 2014
UNITED BANCORP INC /MI/ Files SEC form 8-K, Other Events May 15 2014
Valley National Bancorp (VLY) CEO Gerald Lipkin Discuses Merger (Transcript) May 11 2014
Why 1st United Bancorp (FUBC) Stock Is UpToday May 08 2014
UNITED BANCORP INC /MI/ Financials May 02 2014
UNITED BANCORP INC /MI/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 25 2014
UNITED BANCORP INC /MI/ Files SEC form 10-Q, Quarterly Report Apr 25 2014
UNITED BANCORP INC /MI/ Files SEC form 10-K, Annual Report Feb 28 2014
UNITED BANCORP INC /MI/ Files SEC form 8-K, Results of Operations and Financial Condition Jan 24 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial