Company Analysis United Bancorp, Inc.
1. Summary
Advantages
- Dividends (4.59%) are higher than the sector average (2.18%).
- The stock's return over the last year (1.32%) is higher than the sector average (-41.76%).
- The company's current efficiency (ROE=14.07%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Price (14.96 $) is higher than fair price (13.42 $)
- Current debt level 15.3% has increased over 5 years from 9.23%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| United Bancorp, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 3.8% | 0.8% | 1.9% |
| 90 days | -2.8% | -47.4% | 7.6% |
| 1 year | 1.3% | -41.8% | 28.6% |
UBCP vs Sector: United Bancorp, Inc. has outperformed the "Financials" sector by 43.08% over the past year.
UBCP vs Market: United Bancorp, Inc. has significantly underperformed the market by -27.25% over the past year.
Stable price: UBCP is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: UBCP with weekly volatility of 0.0255% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (14.96 $) is higher than the fair price (13.42 $).
Price is higher than fair: The current price (14.96 $) is 10.3% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (8.56) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (8.56) is lower than that of the market as a whole (49.04).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.2) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (1.2) is lower than that of the market as a whole (3.17).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.87) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (1.87) is lower than that of the market as a whole (10.24).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (207.79) is higher than that of the sector as a whole (40.84).
EV/Ebitda vs Market: The company's EV/Ebitda (207.79) is higher than that of the market as a whole (28.32).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 2.38% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (2.38%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-15.99%).
5.4. ROE
ROE vs Sector: The company's ROE (14.07%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (14.07%) is higher than that of the market as a whole (10.71%).
5.5. ROA
ROA vs Sector: The company's ROA (1.09%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (1.09%) is lower than that of the market as a whole (6.47%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.59% is higher than the average for the sector '2.18%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.59% has been steadily paid over the past 7 years, DSI=0.93.
Weak dividend growth: The company's dividend yield 4.59% has been growing weakly or stagnant over the past 5 years. Growth over only 1 year.
7.3. Payout percentage
Dividend Coverage: Current payments from income (53.51%) are at a comfortable level.
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