UBCP (United Bancorp) Scaled Net Operating Assets: 0.00 (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 Scaled Net Operating Assets?

United Bancorp UBCP +3.22% 57 Scaled Net Operating Assets is 0.00 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Bancorp's operating assets for the quarter that ended in Mar. 2026 was $713.34 Mil. United Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $709.12 Mil. United Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $857.45 Mil. Therefore, United Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.00.

UBCP
57GF Score
United Bancorp Inc UBCP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(810.917-685.063)/816.656
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=857.445 - 46.528
=810.917

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=786.93 - 101.867 - 0
=685.063

United Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(713.342-709.12)/857.445
=0.00

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=858.499 - 145.157
=713.342

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=791 - 81.88 - 0
=709.12

* 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.

What does a Scaled Net Operating Assets of 0.00 mean?
United Bancorp (UBCP) has a Scaled Net Operating Assets of 0.00 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Bancorp and its competitors.
Is United Bancorp's Scaled Net Operating Assets too high?
United Bancorp's current Scaled Net Operating Assets is 0.00. 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 Scaled Net Operating Assets compare to BYFC and FUSB?
United Bancorp's Scaled Net Operating Assets of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Bancorp and its competitors. United Bancorp's current Scaled Net Operating Assets is 0.00. 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 Scaled Net Operating Assets is 0.00. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For United Bancorp (UBCP), the current Scaled Net Operating Assets is 0.00 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:

  • Scaled Net Operating Assets: 0.00
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.00
Price
$13.58
GF Value