United BancorpUBCP 57 PEG Ratio is 120.44 as of Jun. 30, 2026, which is 4156% above its 10-year median of 2.83. 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 1,231 Banks companies, United Bancorp ranks worse than 99.76% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for United Bancorp's PEG Ratio or its related term are showing as below:
UBCP'
s PEG Ratio Range Over the Past 10 Years
Min: 0.88 Med: 2.83 Max: 605.5
Current: 120.4
During the past 13 years, United Bancorp's highest PEG Ratio was 605.50. The lowest was 0.88. And the median was 2.83.
UBCP's PEG Ratio is ranked worse than 99.76% of 1231
companies
in the Banks industry
Industry Median: 1.52
vs UBCP: 120.40
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
United Bancorp (NAS:UBCP) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
United Bancorp PEG Ratio Related Terms
United Bancorp PEG Ratio Historical Data
* Premium members only.
The historical data trend for United Bancorp's PEG 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.
For the Banks - Regional subindustry, United Bancorp's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where United Bancorp's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
United Bancorp (UBCP) has a PEG Ratio of 120.44 as of Jun. 30, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bancorp and its competitors. This is 4156% above median its historical median of 2.83. Over the past decade, United Bancorp's PEG Ratio has ranged from 0.88 to 605.50. According to the industry distribution chart, United Bancorp ranks #1228 out of 1231 companies in the Banks industry, placing it in the top 99.8%.
Is United Bancorp's PEG Ratio too high?
United Bancorp's current PEG Ratio of 120.44 is 4156% above median its 10-year median of 2.83. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 605.50. The Banks industry median PEG Ratio is 1.52. United Bancorp's value of 120.44 is 7823.7% above this industry median. Based on the distribution chart, United Bancorp ranks #1228 out of 1231 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 PEG Ratio compare to PBKC and CBKM?
According to the Banks industry distribution chart, United Bancorp ranks #1228 out of 1231 companies for PEG Ratio. This places United Bancorp in the lower half of its industry. The industry median PEG Ratio is 1.52. United Bancorp's value of 120.44 is 7823.7% above this benchmark. Historically, United Bancorp's own PEG Ratio has ranged from 0.88 to 605.50 over the past decade. While the company's 10-year median is 2.83 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp's current PEG Ratio of 120.44 is 7823.7% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp's current PEG Ratio is 120.44, which is 4156% above median its own 10-year median of 2.83. 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 $16.26 — trading 19.7% above its estimated fair value. The current PEG Ratio is 120.44, which is 4156% above median its 10-year median of 2.83 and 7823.7% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For United Bancorp (UBCP), the current PEG Ratio is 120.44 as of Jun. 30, 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 $16.26 is trading 19.7% above its estimated GF Value™ of $13.58.
GuruFocus considers United Bancorp to be Modestly Overvalued.
Key valuation signals for UBCP:
PEG Ratio: 120.44 (4156% above median its 10-year median of 2.83)
GF Value™: $13.58 vs. price of $16.26 (19.7% above fair value)
Industry Position: 7823.7% above the Banks median (#1228 of 1231)
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
Get the complete analysis for UBCP
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UBCP has been successfully added to your 
