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United Bancorp (NAS:UBCP) PB Ratio

: 1.19 (As of Today)
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The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-13), United Bancorp's share price is $13.25. United Bancorp's Book Value per Share for the quarter that ended in Dec. 2023 was $11.15. Hence, United Bancorp's PB Ratio of today is 1.19.

The historical rank and industry rank for United Bancorp's PB Ratio or its related term are showing as below:

UBCP' s PB Ratio Range Over the Past 10 Years
Min: 0.85   Med: 1.23   Max: 1.83
Current: 1.19

During the past 13 years, United Bancorp's highest PB Ratio was 1.83. The lowest was 0.85. And the median was 1.23.

UBCP's PB Ratio is ranked worse than
74.51% of 1467 companies
in the Banks industry
Industry Median: 0.86 vs UBCP: 1.19

During the past 12 months, United Bancorp's average Book Value Per Share Growth Rate was 7.10% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -0.90% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 4.30% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 5.40% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Bancorp was 17.90% per year. The lowest was -2.20% per year. And the median was 3.50% per year.

Back to Basics: PB Ratio


United Bancorp PB Ratio Historical Data

The historical data trend for United Bancorp's PB Ratio 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.

* Premium members only.

United Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.41 1.15 1.35 1.41 1.15

United Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio 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 Premium Member Only Premium Member Only Premium Member Only 1.41 1.40 1.17 1.26 1.15

Competitive Comparison

For the Banks - Regional subindustry, United Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio Distribution

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

* The bar in red indicates where United Bancorp's PB Ratio falls into.



United Bancorp PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

United Bancorp's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=13.25/11.151
=1.19

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


United Bancorp  (NAS:UBCP) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


United Bancorp PB Ratio Related Terms

Thank you for viewing the detailed overview of United Bancorp's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


United Bancorp (NAS:UBCP) Business Description

Traded in Other Exchanges
N/A
Address
201 South Fourth Street, 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. The company's primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential mortgages, commercial and installment loans. The company serves customers mainly located in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas Counties in Ohio and Marshall and Ohio Counties in West Virginia and the surrounding localities in northeastern, east-central and southeastern Ohio and include a wide range of individuals, businesses and other organizations.
Executives
Randall M Greenwood officer: Senior Vice President CFO
Scott A Everson officer: Sr Vo COO 67295 COUNTRYSIDE, SAINT CLAIRSVILLE OH 43950
Richard L Riesbeck director PO BOX 459, ST CLAIRSVILLE OH 43950
John M Hoopingarner director 320 EAST 14TH STREET, DOVER OH 44622
Matthew Fredrick Branstetter officer: SVP and COO 135 EDGWOOD STREET, WHEELING WV 26003
Gary W Glessner director C/O UNITED BANCORP, INC., PO BOX 10, MARTINS FERRY OH 43935
Lisa Ann Basinger officer: Corporate Secretary 100 STONE CHRUCH RD., APT. T, WHEELING WV 26003
Terry A Mcghee director
Elmer Kinsey Leeper officer: VP Chief Retail Officer 3262 STATE ROUTE NORTH WEST, DOVER OH 44622
Michael A Lloyd officer: VP Information Systems
Matthew C Thomas director
Seth Robert Abraham officer: Vice President Chief Human Res 26 OAK PARK, WHEELING WV 26003
James W Everson officer: Chairman, President and CEO 5893 ROLLING PINES DRIVE, NAPLES FL 34110-3304
James A Lodes officer: VP Lending
Michael J Arciello director 1654 COVENTRY ROAD NE, MASSILION OH 44646

United Bancorp (NAS:UBCP) Headlines

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