UBCP Stock Analysis: Buy, Sell, or Hold?
UBCP - United Bancorp Inc/OH
$16.20
0.84 (5.47%)
▲
5d:
+3.91%
30d:
+4.99%
90d:
+4.45%
WAIT
LOW Confidence
Analysis Updated: Aug 20, 2026 12:00 AM ET
Earnings: Jul 30, 2026
0d
Get Alerted When UBCP Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 MIXED SIGNALS: UBCP shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: UBCP shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$26.95
Based on 12.0% avg growth
INTRINSIC VALUE TODAY
$16.73
3.2% Margin of Safety
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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBCP is currently trading at $16.20, which is considered extended relative to its 30-day fair value range of $15.25 to $15.85. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.5). At these levels, the market is pricing in 1.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UBCP is showing sideways momentum. The price is approaching resistance at $16.21. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.5% recently.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $20.00 (+23.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UBCP is showing sideways momentum. The price is approaching resistance at $16.21. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.5% recently.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $20.00 (+23.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$15.25 -
$15.85
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
56.7%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.5%)
- BULLISH: Trading 23.5% below Wall St target ($20.00)
- NEUTRAL: Market pricing in 1.7% annual earnings growth - fairly valued
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$15.25 -
$15.85
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$15.28
Resistance Level
$16.21
Current Trend
Sideways
Technical data as of
Aug 20, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.00
Wall Street Target
$20.00
(+23.5%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
9.1%
Profit Margin
24.2%
Valuation Premium vs History
+1.7% premium
PE vs Historical
10.0 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$16.48
(+2%)
2-Year Target
$16.76
(+3%)
3-Year Target
$17.04
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$16.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 20.0%)
$56.18
(+247%)
Base:
(SPY PE: 10.0, Growth: 20.0%)
$27.99
(+73%)
Bear:
(PE: 8.5, Growth: 20.0%)
$23.79
(+47%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.13 | Current EPS (TTM): $1.38
Bull Case
$19.83
(+22%)
Analyst growth 17.4%, PE expands to 12.2
Base Case
$18.03
(+11%)
Market implied 17.4%, PE stable at 11.1
Bear Case
$10.44
(-36%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 8:11 PM ET
Data refreshes hourly during market hours. Next update: 9:11 PM
Data refreshes hourly during market hours. Next update: 9:11 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is UBCP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$70 | 48 HOLD |
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$81 | 48 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$93 | 57 HOLD |
|
BAP
Credicorp Ltd |
STRONG BUY
13 analysts |
$423 | 63 BUY |
|
WTFC
Wintrust Financial Corpo… |
STRONG BUY
13 analysts |
$180 | 50 HOLD |