United Bancorp Inc/OH (UBCP)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$15.88+0.70%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · UBCP
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 7 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $16 UBCP trades at 1.2× p/b, below its 1.2× p/b peer median. Our $16 fair value sits above the price. It's a high-confidence read. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| graham number | 12M | $20.35 | — | — | TTM | high |
| Peer P/B | 12M | $16.34 | 1.2 | 13.17 | TTM | high |
| Peer P/E | 12M | $16.69 | 11.9 | 1.40 | TTM | high |
| Peer P/S | 12M | $24.13 | 3.2 | 7.63 | TTM | high |
| residual income | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Around the middle on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q3, 2025-Q4, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $13.80 |
| — |
| — |
| TTM |
| high |
| Own P/E history | 12M | $15.48 | 11.1 | 1.40 | TTM | high |
| triangulated | 12M | $16.84 | 11.9 | 1.41 | Triangulated | high |
| Peer P/B | 3Y | $20.16 | 1.2 | 16.26 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $22.98 | 11.9 | 1.92 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $30.81 | 3.2 | 9.75 | Hist. CAGR(prov.) | medium |
| Own P/E history | 3Y | $21.31 | 11.1 | 1.92 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $23.20 | 1.2 | 18.70 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $27.05 | 11.9 | 2.26 | Hist. CAGR(prov.) | high |
| Peer P/S | 5Y | $36.28 | 3.2 | 11.48 | Hist. CAGR(prov.) | high |
| Own P/E history | 5Y | $25.09 | 11.1 | 2.26 | Hist. CAGR(prov.) | high |