UBCP (United Bancorp) Cyclically Adjusted Revenue per Share: $5.84 (As of Mar. 2026)


UBCP United Bancorp Inc UBCP
57 GF Score
Price $15.85
GF Value $13.45
Valuation Modestly Overvalued
! 6 Warning Signs
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What is United Bancorp Cyclically Adjusted Revenue per Share?

United Bancorp UBCP +2.19% 57 Cyclically Adjusted Revenue per Share is $5.84 as of Mar. 2026. GuruFocus rates UBCP with a GF Score™ of 57/100 and a GF Value™ of $13.45 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

United Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was $1.444. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $5.84 for the trailing ten years ended in Mar. 2026.

During the past 12 months, United Bancorp's average Cyclically Adjusted Revenue Growth Rate was 5.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.30% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.50% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 4.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of United Bancorp was 6.80% per year. The lowest was -0.30% per year. And the median was 2.95% per year.

As of today (2026-07-12), United Bancorp's current stock price is $15.85. United Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $5.84. United Bancorp's Cyclically Adjusted PS Ratio of today is 2.71.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Bancorp was 3.94. The lowest was 1.91. And the median was 2.83.


United Bancorp  (NAS:UBCP) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=15.85/5.84
=2.71

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Bancorp was 3.94. The lowest was 1.91. And the median was 2.83.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


United Bancorp Cyclically Adjusted Revenue per Share Related Terms


United Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for United Bancorp's Cyclically Adjusted Revenue per Share 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.

United Bancorp Cyclically Adjusted Revenue per Share Chart

United Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.67 5.03 5.25 5.46 5.71

United Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.55 5.62 5.68 5.71 5.84

UBCP vs PBKC, CBKM, SSBI: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, United Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Bancorp's Cyclically Adjusted PS Ratio falls into.


UBCP
57GF Score
United Bancorp Inc UBCP
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, United Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.444/330.2130*330.2130
=1.444

Current CPI (Mar. 2026) = 330.2130.

United Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.929 241.018 1.273
201609 0.945 241.428 1.293
201612 0.930 241.432 1.272
201703 0.906 243.801 1.227
201706 0.951 244.955 1.282
201709 1.027 246.819 1.374
201712 0.937 246.524 1.255
201803 1.019 249.554 1.348
201806 1.083 251.989 1.419
201809 1.124 252.439 1.470
201812 1.181 251.233 1.552
201903 1.097 254.202 1.425
201906 1.110 256.143 1.431
201909 1.123 256.759 1.444
201912 1.158 256.974 1.488
202003 1.222 258.115 1.563
202006 1.405 257.797 1.800
202009 1.478 260.280 1.875
202012 1.337 260.474 1.695
202103 1.140 264.877 1.421
202106 1.223 271.696 1.486
202109 1.441 274.310 1.735
202112 1.275 278.802 1.510
202203 1.191 287.504 1.368
202206 1.268 296.311 1.413
202209 1.351 296.808 1.503
202212 1.387 296.797 1.543
202303 1.356 301.836 1.483
202306 1.345 305.109 1.456
202309 1.372 307.789 1.472
202312 1.371 306.746 1.476
202403 1.269 312.332 1.342
202406 1.312 314.175 1.379
202409 1.308 315.301 1.370
202412 1.395 315.605 1.460
202503 1.352 319.799 1.396
202506 1.454 322.561 1.488
202509 1.472 324.800 1.497
202512 1.620 324.054 1.651
202603 1.444 330.213 1.444

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $5.84 mean?
United Bancorp (UBCP) has a Cyclically Adjusted Revenue per Share of $5.84 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Bancorp and its competitors.
Is United Bancorp's Cyclically Adjusted Revenue per Share too high?
United Bancorp's current Cyclically Adjusted Revenue per Share is $5.84. Overall, United Bancorp has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp's Cyclically Adjusted Revenue per Share compare to PBKC and CBKM?
United Bancorp's Cyclically Adjusted Revenue per Share of $5.84 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Bancorp and its competitors. United Bancorp's current Cyclically Adjusted Revenue per Share is $5.84. 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 Modestly Overvalued. The stock's GF Value™ is $13.45, compared to a current price of $15.85 — trading 17.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $5.84. United Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For United Bancorp (UBCP), the current Cyclically Adjusted Revenue per Share is $5.84 as of Mar. 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 $15.85 is trading 17.8% above its estimated GF Value™ of $13.45. GuruFocus considers United Bancorp to be Modestly Overvalued.

Key valuation signals for UBCP:

  • Cyclically Adjusted Revenue per Share: $5.84
  • GF Value™: $13.45 vs. price of $15.85 (17.8% above fair value)
  • GF Score™: 57/100 with 6 warning signs

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 Business Description

Address 201 South 4th Street, Unified Bank Building, P.O. Box 10, Martins Ferry, OH, USA, 43935
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.
57GF Score

Get the complete analysis for UBCP

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.85
Price
$13.45
GF Value