FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Bancorp FCF Yield % Related Terms
United Bancorp FCF Yield % Historical Data
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The historical data trend for United Bancorp's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where United Bancorp's FCF Yield % 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.
United Bancorp (UBCP) has a FCF Yield % of -2.71 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United Bancorp and its competitors. According to the industry distribution chart, United Bancorp ranks #1162 out of 1505 companies in the Banks industry, placing it in the top 77.2%.
Is United Bancorp's FCF Yield % too high?
United Bancorp's current FCF Yield % is -2.71. Based on the distribution chart, United Bancorp ranks #1162 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 FCF Yield % compare to BYFC and FUSB?
According to the Banks industry distribution chart, United Bancorp ranks #1162 out of 1505 companies for FCF Yield %. This places United Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on United Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp's current FCF Yield % is -2.71. 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 $13.58, compared to a current price of $16.00 — trading 17.8% above its estimated fair value. The current FCF Yield % is -2.71. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For United Bancorp (UBCP), the current FCF Yield % is -2.71 as of Jun. 27, 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 $16.00 is trading 17.8% above its estimated GF Value™ of $13.58.
GuruFocus considers United Bancorp to be Modestly Overvalued.
Key valuation signals for UBCP:
FCF Yield %: -2.71
GF Value™: $13.58 vs. price of $16.00 (17.8% 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.
57GF Score
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