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Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. United Bancorp's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $14.01 Mil. United Bancorp's average total debt for the quarter that ended in Mar. 2026 was $91.87 Mil. Therefore, United Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 15.25%.
United Bancorp (NAS:UBCP) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
United Bancorp Effective Interest Rate on Debt % Related Terms
United Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for United Bancorp's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
UBCP vs PBKC, CBKM, SSBI: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, United Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where United Bancorp's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 15.25% mean?
United Bancorp (UBCP) has a Effective Interest Rate on Debt % of 15.25% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Bancorp and its competitors.
Is United Bancorp's Effective Interest Rate on Debt % too high?
United Bancorp's current Effective Interest Rate on Debt % is 15.25%. Overall, United Bancorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp's Effective Interest Rate on Debt % compare to PBKC and CBKM?
United Bancorp's Effective Interest Rate on Debt % of 15.25% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Bancorp and its competitors. United Bancorp's current Effective Interest Rate on Debt % is 15.25%. 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 $13.43, compared to a current price of $15.32 — trading 14.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 15.25%. United Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For United Bancorp (UBCP), the current Effective Interest Rate on Debt % is 15.25% 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 $15.32 is trading 14.1% above its estimated GF Value™ of $13.43.
GuruFocus considers United Bancorp to be Modestly Overvalued.
Key valuation signals for UBCP:
Effective Interest Rate on Debt %: 15.25%
GF Value™: $13.43 vs. price of $15.32 (14.1% 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.
58GF Score
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