UBCP Stock Analysis: Buy, Sell, or Hold?
UBCP - United Bancorp Inc/OH
$16.00
0.00 (0.00%)
▲
5d:
+5.68%
30d:
+10.92%
90d:
-2.32%
BUY
HIGH Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 30, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: UBCP shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: UBCP shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.49
Based on 11.3% avg growth
INTRINSIC VALUE TODAY
$15.83
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBCP is currently trading at $16.00, which is considered slightly high relative to its 30-day fair value range of $14.92 to $16.14. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.4). At these levels, the market is pricing in 1.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UBCP is in a strong uptrend. The price is approaching resistance at $16.34. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: UBCP has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $20.00 (+25.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UBCP is in a strong uptrend. The price is approaching resistance at $16.34. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: UBCP has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $20.00 (+25.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$14.92 -
$16.14
Company Quality Score
65/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 25.0% below Wall St target ($20.00)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$14.92 -
$16.14
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$14.70
Resistance Level
$16.34
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.00
Wall Street Target
$20.00
(+25.0%)
Revenue Growth (YoY)
6.4%
Earnings Growth (YoY)
3.4%
Profit Margin
24.1%
Valuation Premium vs History
+1.9% premium
PE vs Historical
10.0 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$16.30
(+2%)
2-Year Target
$16.61
(+4%)
3-Year Target
$16.93
(+6%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$15.91
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 18.5%)
$58.01
(+263%)
Base:
(SPY PE: 10.0, Growth: 18.5%)
$26.64
(+67%)
Bear:
(PE: 8.5, Growth: 18.5%)
$22.64
(+42%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.76 | Current EPS (TTM): $1.36
Bull Case
$20.69
(+29%)
Analyst growth 17.6%, PE expands to 12.9
Base Case
$18.81
(+18%)
Market implied 17.6%, PE stable at 11.8
Bear Case
$10.87
(-32%)
Severe decline -20.0%, PE contracts to 10.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 3:30 PM ET
Data refreshes hourly during market hours. Next update: 4:30 PM
Data refreshes hourly during market hours. Next update: 4:30 PM
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Technical Signals Check
Is UBCP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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