UBCP (United Bancorp) Tariff Resilience Score: 10/10 (As of Jul. 02, 2026)


UBCP United Bancorp Inc UBCP
57 GF Score
Price $16.28
GF Value $13.53
Valuation Modestly Overvalued
! 6 Warning Signs
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What is United Bancorp Tariff Resilience Score?

United Bancorp UBCP +1.75% 57 Tariff Resilience Score is 10 as of Jul. 02, 2026. GuruFocus rates UBCP with a GF Score™ of 57/100 and a GF Value™ of $13.53 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,608 Banks companies, United Bancorp ranks better than 99.94% on this metric.

United Bancorp has the Tariff Resilience Score of 10, which implies that the company might have Highly Resilient.

United Bancorp has United Bancorp Inc operates as a regional bank with no direct involvement in international trade. Its revenue is not affected by tariffs, and historical impacts are non-existent. The bank's focus on local markets ensures high tariff resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes United Bancorp might have Highly Resilient.

United Bancorp  (NAS:UBCP) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

United Bancorp Tariff Resilience Score Related Terms

UBCP vs PBKC, CBKM, SSBI: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, United Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

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

* The bar in red indicates where United Bancorp's Tariff Resilience Score falls into.


UBCP
57GF Score
United Bancorp Inc UBCP
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 10 mean?
United Bancorp (UBCP) has a Tariff Resilience Score of 10 as of Jul. 02, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, United Bancorp ranks #1 out of 1608 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is United Bancorp's Tariff Resilience Score too high?
United Bancorp's current Tariff Resilience Score is 10. Based on the distribution chart, United Bancorp ranks #1 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to PBKC and CBKM?
According to the Banks industry distribution chart, United Bancorp ranks #1 out of 1608 companies for Tariff Resilience Score. This places United Bancorp in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. United Bancorp's current Tariff Resilience Score is 10. 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 $13.53, compared to a current price of $16.28 — trading 20.3% above its estimated fair value. The current Tariff Resilience Score is 10. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For United Bancorp (UBCP), the current Tariff Resilience Score is 10 as of Jul. 02, 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 $16.28 is trading 20.3% above its estimated GF Value™ of $13.53. GuruFocus considers United Bancorp to be Modestly Overvalued.

Key valuation signals for UBCP:

  • Tariff Resilience Score: 10
  • GF Value™: $13.53 vs. price of $16.28 (20.3% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.28
Price
$13.53
GF Value