United BancorpUBCP +3.22%57 OCF Yield % is 10.44 as of Jun. 27, 2026, which is 4% below its 10-year median of 10.83. 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 1,502 Banks companies, United Bancorp ranks better than 55.53% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
United Bancorp OCF Yield % Historical Data
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The historical data trend for United Bancorp's OCF 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United Bancorp's OCF 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 OCF Yield % of 10.44 as of Jun. 27, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bancorp and its competitors. This is near median its historical median of 10.83. Over the past decade, United Bancorp's OCF Yield % has ranged from 5.23 to 19.14. According to the industry distribution chart, United Bancorp ranks #668 out of 1502 companies in the Banks industry, placing it in the top 44.5%.
Is United Bancorp's OCF Yield % too high?
United Bancorp's current OCF Yield % of 10.44 is near median its 10-year median of 10.83. Over the past 10 years, this metric has ranged from a low of 5.23 to a high of 19.14. The Banks industry median OCF Yield % is 9.24. United Bancorp's value of 10.44 is 13% above this industry median. Based on the distribution chart, United Bancorp ranks #668 out of 1502 companies in the Banks industry, which is above 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 OCF Yield % compare to BYFC and FUSB?
According to the Banks industry distribution chart, United Bancorp ranks #668 out of 1502 companies for OCF Yield %. This puts United Bancorp in the upper half of its industry. The industry median OCF Yield % is 9.24. United Bancorp's value of 10.44 is 13% above this benchmark. Historically, United Bancorp's own OCF Yield % has ranged from 5.23 to 19.14 over the past decade. While the company's 10-year median is 10.83 vs. the industry median of 9.24, United Bancorp has consistently been above 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp's current OCF Yield % of 10.44 is 13% above 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp's current OCF Yield % is 10.44, which is near median its own 10-year median of 10.83. 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 OCF Yield % is 10.44, which is near median its 10-year median of 10.83 and 13% above the Banks industry median of 9.24. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Bancorp (UBCP), the current OCF Yield % is 10.44 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:
OCF Yield %: 10.44 (near median its 10-year median of 10.83)
GF Value™: $13.58 vs. price of $16.00 (17.8% above fair value)
Industry Position: 13% above the Banks median (#668 of 1502)
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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