UBCP (United Bancorp) ROC %: % (As of Mar. 2026)


UBCP United Bancorp Inc UBCP
57 GF Score
Price $16.00
GF Value $13.58
Valuation Modestly Overvalued
! 6 Warning Signs
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What is United Bancorp ROC %?

United Bancorp UBCP +3.22% 57 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

UBCP
57GF Score
United Bancorp Inc UBCP
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
United Bancorp (UBCP) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Bancorp and its competitors.
Is United Bancorp's ROC % too high?
United Bancorp's current ROC % is %. 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 ROC % compare to BYFC and FUSB?
United Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Bancorp and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For United Bancorp (UBCP), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $13.58 vs. price of $16.00 (17.8% above fair value)
  • GF Score™: 57/100 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.
57GF Score

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

$16.00
Price
$13.58
GF Value