Stock Ratings / Financials / UBCP / dividends

ASRV (63) PBHC (51) SSBI (59) AUBN (56) ⌘ Pro Terminal →

United Bancorp Inc. (UBCP) Dividend Safety Gauge & 10-Year DRIP Compounder

$14.16 -3.02% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $14.06

United Bancorp Inc. (UBCP) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $83.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UBCP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UBCP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, United Bancorp Inc. (NASDAQ: UBCP) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $14.16 (-3.02% 1D, market cap $83.7M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, UBCP ranks #441 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UBCP compare to ASRV and PBHC in the Financials sector?

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Within the Financials sector (Major Banks), UBCP carries a Roarable C- (60/100 RQD), trailing P/E of 10.8x, gross margin of —, and ROIC of 11.0%. By comparison, ASRV (AmeriServ Financial Inc.) holds a C grade (63/100 RQD, P/E 14.9x, ROIC 4.7%, cap $83.7M) and PBHC (Pathfinder Bancorp Inc. (MD)) posts a D grade (51/100 RQD, P/E N/A, ROIC -1.6%, cap $81.9M). Among the 5-stock peer group, UBCP leads on earnings multiple (10.8x) while UBCP leads on capital efficiency (11.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UBCP?

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Per UBCP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000731653), United Bancorp Inc. generated $0 in revenue, $7.8M in net income, and -$1.3M in free cash flow against $857.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $14.06 (-0.73%)🧬 Disciplined Float (-0.32% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UBCP)Realized 20D OHLCV Swing Band: ±8.5%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY UBCP SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+13/20 pts (22% of score)

20D Institutional Volume Accumulation (±8.5% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$14.66-8.6% Next Q

Q2 (-2Q)

Grade C+$13.40+2.5% Next Q

Q3 (-1Q)

Grade C+$13.73+3.1% Next Q

Current

Grade C-$14.16+0.4% Hist 90D α

Trajectory: B- (68) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UBCP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, UBCP faces multiple-compression risk if 10.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.32% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($14.90) or 200D SMA ($15.27) invalidates the momentum regime and cuts Target Base ($14.29) toward Bear Floor ($11.15).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UBCP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UBCP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

7.15% Total Yield

6.55% Cash ($0.93/yr) + 0.6% Buybacks

PAYOUT SAFETY SPEEDOMETER

41/100 • ELEVATED PAYOUT WATCH

FREE CASH FLOW PAYOUT RATIO

96% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (12.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $31,337

Est. Year-10 Shareholder Yield: $2,241/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.2K

Yr 1

$12.6K

Yr 2

$14.1K

Yr 3

$15.8K

Yr 4

$17.7K

Yr 5

$19.8K

Yr 6

$22.2K

Yr 7

$24.9K

Yr 8

$28.0K

Yr 9

$31.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in UBCP & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on UBCP and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UBCP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -13.61%▼ DESCENDING CHANNEL

2026-10-30O $14.44H $14.56L $14.16C $14.16VOL 9.5K

RES: $15.60SUP: $12.97SMA50: $14.90SMA200: $15.27

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UBCP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UBCP Butterfly Map → + Track UBCP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UBCP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UBCP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UBCP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UBCP)

Financials Rank #441 of 1096 ⚔️ ASRV vs UBCP Full Matrix →

1. Head-to-Head Financials Peer Comparison (UBCP vs. ASRV, PBHC, SSBI, AUBN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, United Bancorp Inc. (UBCP) ranks #441 by composite RQD confidence (60/100, grade C-) and #980 by equity capitalization ($83.7M). Within this direct 5-issuer industry benchmark cohort, UBCP leads on earnings valuation at 10.8x trailing P/E, while UBCP leads on capital efficiency and profitability with 11.0% ROIC and — gross margin. ASRV currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with UBCP at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UBCP ACTIVE United Bancorp Inc.	C-	60/100	10.8x	—	11.0%	-3.02%	$83.7M	Benchmark Subject
ASRV AmeriServ Financial Inc.	C	63/100	14.9x	—	4.7%	-0.41%	$83.7M	/asrv-vs-ubcp →
PBHC Pathfinder Bancorp Inc. (MD)	D	51/100	—	—	-1.6%	+1.68%	$81.9M	/pbhc-vs-ubcp →
SSBI Summit State Bank	C-	59/100	—	—	—	-2.97%	$78.6M	/ssbi-vs-ubcp →
AUBN Auburn National Bancorporation Inc.	D+	56/100	—	—	—	0.00%	$89.6M	/aubn-vs-ubcp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000731653

In its most recent audited fiscal period (FY2025, filed 2025-12-31), United Bancorp Inc. (UBCP) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $7.8M, operating cash flow of $10.5M, and free cash flow of -$1.3M (-6.0% YoY). On the balance sheet, UBCP closed FY2025 with $857.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$7.8M	$10.5M	-$1.3M	$857.4M	—
FY2024 (FY)	2024-12-31	$0	$7.4M	$8.4M	-$1.2M	$816.7M	—
FY2023 (FY)	2023-12-31	$0	$8.9M	$9.5M	$9.5M	—	—

3. UBCP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UBCP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does UBCP compare to ASRV and PBHC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for UBCP?

Where is UBCP trading relative to its 50-day, 200-day, and 52-week technical levels?

UBCP last traded at $14.16 (-3.02% on volume of 9,507 shares), positioning the stock -4.97% below its 50-day simple moving average ($14.90) and -7.27% below its 200-day simple moving average ($15.27). Across its 52-week range of $12.55 to $17.34, UBCP sits at the 33.6% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±8.5% ($12.96 to $15.36).

UBCP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does UBCP pay a dividend and is it safe?

United Bancorp Inc. (UBCP) offers a 6.55% cash dividend yield ($0.93 annualized) and 7.15% total shareholder yield including buybacks. Roarable rates its payout coverage as ELEVATED PAYOUT WATCH.

Direct Sub-Reports: UBCP RQD Cockpit UBCP 12M Forecast UBCP Earnings & Move UBCP Dividends & DRIP UBCP Insiders & 13F UBCP Whale Options UBCP Profit Sankey UBCP News & Why

Sector Peer Dials

Compare →

ASRV C

AmeriServ Financial Inc.

63 /100

PBHC D

Pathfinder Bancorp Inc. (MD)

Auburn National Bancorporation Inc.

56 /100

FUSB C+

First US Bancshares Inc.

66 /100

PNBK D-

Patriot National Bancorp Inc.

36 /100

UBCP Core Snapshot

Market Cap $83.7M

Trailing / Fwd P/E 10.8x / 10.0x

Gross Profit Margin —

Return on Capital (ROIC) 11.0%

Free Cash Flow Yield -1.58%

12M Base Price Target $14.29

FREE TRADER TOOLS

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Drop 3–5 tickers into our live Portfolio X-Ray to spot hidden accounting time-bombs and see your composite RQD dial.

⚡ X-Ray My Portfolio With UBCP → 🏆 Trade UBCP in $100K Prop Arena →

UBCP Wire

Why It Moved →

Peer / Ecosystem Wire Yahoo Finance UK • 6h ago

Ohio Valley Banc Corp. (OVBC) Seasonal returns chart

Peer / Ecosystem Wire ad-hoc-news.de • 9h ago

United Bancorp stock: Weiss cuts United Bancorp stock rating to Hold

Direct Company Event https://www.siam.in/ • 12h ago

United Bancorp (UBCP) Ticks Higher: Shares at $13.73, Up 1.55% - Day Trade Opportunities

Peer / Ecosystem Wire TradingView • 15h ago

FSMK Stock Price and Chart — OTC:FSMK

Direct Company Event Stock Traders Daily • 18h ago

Technical Reactions to UBCP Trends in Macro Strategies

ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

UBCP — United Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:44:45Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, UBCP scores 60 out of 100, a letter grade of C-, with the verdict "Roarable Hold — Cautious Neutral." The five pillars are: Fundamental Cash Engine at 9/20 (ROIC 11%; FCF yield -1.58%), Whale 13F Flow at 13/20 (institutional accumulation and options positioning), Insider Conviction at 13/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 12/20 (beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5). For a prospective investor, the weakest pillar is the cash engine: the rating's own inputs show a negative FCF yield even while ROIC is 11%, so reported earnings are not translating into free cash flow on the figures provided. The forensic and insider/institutional pillars are mid-range rather than strong, and the macro pillar reflects a beta of 1.0. Upside drivers cited in the data are the 11% ROIC and the 6.55% dividend yield; the valuation tradeoff is a forward P/E of 10 set against a negative FCF yield. The rating is a cautious neutral, not a directional call.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$7.8M	N/A	$-1.3M	$46.5M	N/A
FY 2024	$0.0M	$0.0M	$7.4M	N/A	$-1.2M	$19.6M	N/A
FY 2023	$0.0M	$0.0M	$8.9M	N/A	$9.5M	N/A	N/A

Per the SEC financials, net income was $8.9M in FY 2023, $7.4M in FY 2024, and $7.8M in FY 2025, while free cash flow was $9.5M, $-1.2M, and $-1.3M over the same years. Per the market data, gross, operating, and net margins are each reported as 0%, so margin trends cannot be assessed from the source. ROIC is 11% and the FCF yield is -1.58%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5. Reported cash rose from $19.6M to $46.5M between FY 2024 and FY 2025.

Recent Catalysts & News Wire Analysis

The news feed contains six items, all tagged to UBCP. Two items are flagged RED/RISK WATCH or YELLOW, as follows: an ad-hoc-news.de item headlined that Weiss cut the rating to Hold (RED, RISK WATCH), a second ad-hoc-news.de item headlined that Weiss lowered the rating to Hold (YELLOW), and four further items are YELLOW market-wire notices from Yahoo Finance UK, a siam.in price-move item, TradingView, and Stock Traders Daily. The price-move item cites shares at $13.73, up 1.55%. The summaries are generic and do not contain substantive fundamental detail. The Butterfly Supply-Chain Graph lists no supply chain (supply_chain: NONE), no butterfly links, and no proprietary signals.

Analyst View & Smart Money Ownership

Analyst data is NONE; no consensus rating or price targets are provided. Holders data is NONE; no SEC Form 4 insider, 13F whale, or Congressional trades are provided. The news feed references a rating change to Hold attributed to Weiss but does not provide a consensus or target.

Open Questions

What are the revenue and operating income figures, which are reported as $0.0M in every period?
Why does FCF turn negative in FY 2024 and FY 2025 when net income is positive?
What drives the EV/EBITDA and debt figures, which are not available or N/A in the source?
What is the basis for the Weiss rating change to Hold referenced in the news feed?
What are the company's products, customers, and revenue model?

UBCP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for United Bancorp Inc. (UBCP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UBCP Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance UK • 6h ago

Ohio Valley Banc Corp. (OVBC) Seasonal returns chart

Yahoo Finance UK report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH ad-hoc-news.de • 9h ago

United Bancorp stock: Weiss cuts United Bancorp stock rating to Hold

ad-hoc-news.de report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 12h ago

United Bancorp (UBCP) Ticks Higher: Shares at $13.73, Up 1.55% - Day Trade Opportunities

https://www.siam.in/ report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 15h ago

FSMK Stock Price and Chart — OTC:FSMK

TradingView report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 18h ago

Technical Reactions to UBCP Trends in Macro Strategies

Stock Traders Daily report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE ad-hoc-news.de • 21h ago

UBCP stock: Weiss lowered rating for United Bancorp stock to Hold

ad-hoc-news.de report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST TradingKey • 1d ago

Top U.S. Stock Gainers: Biggest Price Increases

TradingKey report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST https://www.dars.gov.et/ • 1d ago

United (UBCP) Surged +1.10%: Here's What Analysts Are Saying 2026-10-10 - Bear Flag

https://www.dars.gov.et/ report covering United Bancorp Inc. (UBCP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UBCP Bull vs. Bear Conversation Board — What's Your Call at $14.16?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UBCP 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $15.29 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is UBCP (C- • RQD 60/100) a Buy at $14.16?

Welcome to the UBCP (United Bancorp Inc.) Roar Pit. Current RQD Composite is 60/100 (Roarable Hold — Cautious Neutral) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $11.75 (-17.0%)

Spot @ $14.16

Pump the brakes on UBCP — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on UBCP, but look at what you are paying: 10.8x trailing P/E with tightening sector spreads. Unless United Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $16.99 (+20.0%)

Spot @ $14.16

UBCP cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on UBCP, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $14.16 (52-wk range $12.55 - $17.34), any beat on forward guidance forces shorts and underweight funds to chase.