United BancorpUBCP +3.22%57 Net Margin % is 24.08% as of Mar. 2026, which is 7% below its 10-year median of 25.99. GuruFocus rates UBCP with a GF Score™ of 57/100 and a GF Value™ of $13.58 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, United Bancorp ranks worse than 60.84% on this metric.
Net margin is calculated as Net Income divided by its Revenue. United Bancorp's Net Income for the
three
months ended in Mar. 2026 was $1.91 Mil. United Bancorp's Revenue for the
three
months ended in Mar. 2026 was $7.94 Mil. Therefore, United Bancorp's net margin for the quarter that ended in Mar. 2026 was 24.08%.
The historical rank and industry rank for United Bancorp's Net Margin % or its related term are showing as below:
UBCP'
s Net Margin % Range Over the Past 10 Years
Min: 18.34 Med: 25.99 Max: 33.97
Current: 23.69
UBCP's Net Margin % is ranked worse than 60.84% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs UBCP: 23.69
United Bancorp (NAS:UBCP) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Bancorp Net Margin % Related Terms
United Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for United Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Bancorp's Net Margin % 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 Net Margin % of 24.08% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Bancorp and its competitors. This is near median its historical median of 25.99. Over the past decade, United Bancorp's Net Margin % has ranged from 18.34 to 33.97. According to the industry distribution chart, United Bancorp ranks #929 out of 1527 companies in the Banks industry, placing it in the top 60.8%.
Is United Bancorp's Net Margin % too high?
United Bancorp's current Net Margin % of 24.08% is near median its 10-year median of 25.99. Over the past 10 years, this metric has ranged from a low of 18.34 to a high of 33.97. The Banks industry median Net Margin % is 26.95. United Bancorp's value of 24.08% is 10.6% below this industry median. Based on the distribution chart, United Bancorp ranks #929 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to BYFC and FUSB?
According to the Banks industry distribution chart, United Bancorp ranks #929 out of 1527 companies for Net Margin %. This places United Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. United Bancorp's value of 24.08% is 10.6% below this benchmark. Historically, United Bancorp's own Net Margin % has ranged from 18.34 to 33.97 over the past decade. While the company's 10-year median is 25.99 vs. the industry median of 26.95, United Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp's current Net Margin % of 24.08% is 10.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp's current Net Margin % is 24.08%, which is near median its own 10-year median of 25.99. 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 Net Margin % is 24.08%, which is near median its 10-year median of 25.99 and 10.6% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Bancorp (UBCP), the current Net Margin % is 24.08% 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 $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:
Net Margin %: 24.08% (near median its 10-year median of 25.99)
GF Value™: $13.58 vs. price of $16.00 (17.8% above fair value)
Industry Position: 10.6% below the Banks median (#929 of 1527)
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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