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Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. As of today (2026-08-12), United Bancorp's Beta is 0.6546.
Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole. We usually compare beta to 1. A beta of 1 indicates that the security's price will move with the market. A beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 indicates that the security's price will be more volatile than the market.
Beta is primarily used in the Capital Asset Pricing Model (CAPM) to calculate the Cost of Equity, which can be used in the calculation of WACC %. The formula of Cost of Equity is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
United Bancorp Beta Related Terms
United Bancorp Beta Historical Data
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The historical data trend for United Bancorp's Beta can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, United Bancorp's Beta, along with its competitors' market caps and Beta data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bancorp Beta vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's Beta distribution charts can be found below:
* The bar in red indicates where United Bancorp's Beta falls into.
Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. A stock's beta can be calculated by dividing the product of the covariance of the individual stock's returns and the market's returns by the variance of the market's returns over a specified period. Basically, GuruFocus uses the returns calculated over three-year period.
United Bancorp (UBCP) has a Beta of 0.6546 as of Aug. 12, 2026. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for United Bancorp and its competitors.
Is United Bancorp's Beta too high?
United Bancorp's current Beta is 0.6546. Overall, United Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp's Beta compare to CBKM and NACB?
United Bancorp's Beta of 0.6546 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beta for a Banks company?
A good Beta depends on the Banks industry context. However, Beta should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beta mean?
A high Beta can signal that a stock is expensive relative to its fundamentals. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for United Bancorp and its competitors. United Bancorp's current Beta is 0.6546. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bancorp stock overvalued right now?
Based on GuruFocus' analysis, United Bancorp (UBCP) is currently considered Fairly Valued. The stock's GF Value™ is $14.54, compared to a current price of $15.65 — trading 7.6% above its estimated fair value. The current Beta is 0.6546. United Bancorp's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beta calculated?
Beta is calculated from a company's financial statements. For United Bancorp (UBCP), the current Beta is 0.6546 as of Aug. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bancorp (UBCP) Overvalued in 2026?
Based on GuruFocus' analysis, United Bancorp stock appears to be overvalued.
The current stock price of $15.65 is trading 7.6% above its estimated GF Value™ of $14.54.
GuruFocus considers United Bancorp to be Fairly Valued.
Key valuation signals for UBCP:
Beta: 0.6546
GF Value™: $14.54 vs. price of $15.65 (7.6% above fair value)
No single metric tells the full story. See the UBCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bancorp Inc operates as a bank holding company that provides commercial and retail banking services. Through its subsidiary (Unified Bank), the company provides a broad range of banking and financial services, which include accepting demand, savings, and time deposits and granting commercial, real estate, and consumer loans. The Company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. The bank also operates in Marshall County, West Virginia.
62GF Score
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Beta is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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