UBCP (United Bancorp) Quality Rank


UBCP United Bancorp Inc UBCP
58 GF Score
Price $15.85
GF Value $13.46
Valuation Modestly Overvalued
! 6 Warning Signs
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What is United Bancorp Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

United Bancorp Quality Rank Related Terms

UBCP
58GF Score
United Bancorp Inc UBCP
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is United Bancorp (UBCP) Overvalued in 2026?

Based on GuruFocus' analysis, United Bancorp stock appears to be overvalued. The current stock price of $15.85 is trading 17.8% above its estimated GF Value™ of $13.46. GuruFocus considers United Bancorp to be Modestly Overvalued.

Key valuation signals for UBCP:

  • Quality Rank:
  • GF Value™: $13.46 vs. price of $15.85 (17.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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 Business Description

Address 201 South 4th Street, Unified Bank Building, 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. 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.
58GF Score

Get the complete analysis for UBCP

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.85
Price
$13.46
GF Value