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United BancorpUBCP -2.02%58 5-Year Yield-on-Cost % is 6.76 as of Jul. 15, 2026, which is 15% above its 10-year median of 5.87. GuruFocus rates UBCP with a GF Score™ of 58/100 and a GF Value™ of $13.43 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,256 Banks companies, United Bancorp ranks better than 76.11% on this metric.
United Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 6.76.
The historical rank and industry rank for United Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
UBCP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.03 Med: 5.87 Max: 8.68
Current: 6.76
During the past 13 years, United Bancorp's highest Yield on Cost was 8.68. The lowest was 4.03. And the median was 5.87.
UBCP's 5-Year Yield-on-Cost % is ranked better than 76.11% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs UBCP: 6.76
United Bancorp (NAS:UBCP) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Bancorp 5-Year Yield-on-Cost % Related Terms
UBCP vs PBKC, CBKM, SSBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, United Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of United Bancorp is calculated as
United Bancorp (UBCP) has a 5-Year Yield-on-Cost % of 6.76 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Bancorp and its competitors. This is 15% above median its historical median of 5.87. Over the past decade, United Bancorp's 5-Year Yield-on-Cost % has ranged from 4.03 to 8.68. According to the industry distribution chart, United Bancorp ranks #300 out of 1256 companies in the Banks industry, placing it in the top 23.9%.
Is United Bancorp's 5-Year Yield-on-Cost % too high?
United Bancorp's current 5-Year Yield-on-Cost % of 6.76 is 15% above median its 10-year median of 5.87. Over the past 10 years, this metric has ranged from a low of 4.03 to a high of 8.68. The Banks industry median 5-Year Yield-on-Cost % is 3.89. United Bancorp's value of 6.76 is 74% above this industry median. Based on the distribution chart, United Bancorp ranks #300 out of 1256 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 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp's 5-Year Yield-on-Cost % compare to PBKC and CBKM?
According to the Banks industry distribution chart, United Bancorp ranks #300 out of 1256 companies for 5-Year Yield-on-Cost %. This places United Bancorp in the top 24% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. United Bancorp's value of 6.76 is 74% above this benchmark. Historically, United Bancorp's own 5-Year Yield-on-Cost % has ranged from 4.03 to 8.68 over the past decade. While the company's 10-year median is 5.87 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp's current 5-Year Yield-on-Cost % of 6.76 is 74% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp's current 5-Year Yield-on-Cost % is 6.76, which is 15% above median its own 10-year median of 5.87. 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 $13.43, compared to a current price of $15.01 — trading 11.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.76, which is 15% above median its 10-year median of 5.87 and 74% above the Banks industry median of 3.89. United Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Bancorp (UBCP), the current 5-Year Yield-on-Cost % is 6.76 as of Jul. 15, 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 $15.01 is trading 11.8% above its estimated GF Value™ of $13.43.
GuruFocus considers United Bancorp to be Modestly Overvalued.
Key valuation signals for UBCP:
5-Year Yield-on-Cost %: 6.76 (15% above median its 10-year median of 5.87)
GF Value™: $13.43 vs. price of $15.01 (11.8% above fair value)
Industry Position: 74% above the Banks median (#300 of 1256)
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.
58GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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