UBCP Stock Analysis: Buy, Sell, or Hold?
UBCP - United Bancorp Inc/OH
$15.70
-0.30 (-1.88%)
▼
5d:
+3.7%
30d:
+8.84%
90d:
-4.15%
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 fair pricing.
✅ BUY SIGNAL: UBCP shows strong fundamentals and good volume confirmation. Solid entry point despite fair 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
0.8% 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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UBCP is currently trading at $15.70, which is considered fair relative to its 30-day fair value range of $14.91 to $16.13. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (9.4). At these levels, the market is pricing in 1.3% 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. Immediate support is located at $14.70, while resistance sits at $16.34.
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 (+27.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UBCP is in a strong uptrend. Immediate support is located at $14.70, while resistance sits at $16.34.
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 (+27.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$14.91 -
$16.13
Company Quality Score
65/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
84.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 27.4% below Wall St target ($20.00)
- NEUTRAL: Market pricing in 1.3% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$14.91 -
$16.13
Current vs Trading Range
FAIR
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.)
9.81
Wall Street Target
$20.00
(+27.4%)
Revenue Growth (YoY)
6.4%
Earnings Growth (YoY)
3.4%
Profit Margin
24.1%
Valuation Premium vs History
+1.3% premium
PE vs Historical
9.8 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.3%
(market-implied from PE analysis)
1-Year Target
$15.90
(+1%)
2-Year Target
$16.11
(+3%)
3-Year Target
$16.32
(+4%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$15.63
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 18.5%)
$58.01
(+270%)
Base:
(SPY PE: 9.8, Growth: 18.5%)
$26.14
(+67%)
Bear:
(PE: 8.3, Growth: 18.5%)
$22.22
(+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: 11.85 | Current EPS (TTM): $1.35
Bull Case
$20.86
(+33%)
Analyst growth 18.5%, PE expands to 13.0
Base Case
$18.96
(+21%)
Market implied 18.5%, PE stable at 11.9
Bear Case
$10.88
(-31%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 9:30 AM ET
Data refreshes hourly during market hours. Next update: 10:30 AM
Data refreshes hourly during market hours. Next update: 10:30 AM
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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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