United Bancorp (UBCP) Fundamental Analysis: Revenue, Earnings & Valuation

4.14 / 10

Netural

Fundamental score is 4.14/10, indicating modest strength. Gross profit margin is healthy at 48%, and liability ratios are low, yet revenue‑to‑market and cash‑to‑market metrics are negative, limiting upside. Overall fundamentals are constrained.

Analysis Checks(7/10)

Revenue-MV

Value-0.70

Score1/3

Weight9.19%

1M Return4.17%

Gross profit margin (%)

Value48.34

Score3/3

Weight7.16%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight7.16%

1M Return3.48%

Profit-MV

Value1.10

Score0/3

Weight6.84%

1M Return3.11%

Net income-Revenue

Value0.09

Score3/3

Weight14.62%

1M Return6.34%

PB-ROE

Value-0.96

Score3/3

Weight17.12%

1M Return7.42%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight7.16%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.16%

1M Return3.48%

Asset-MV

Value-0.55

Score2/3

Weight16.53%

1M Return7.16%

Cash-MV

Value0.03

Score0/3

Weight7.07%

1M Return3.33%

Is UBCP undervalued or overvalued?

UBCP scores 4.14/10 on fundamentals and holds a Fair valuation at present. Backed by its 11.57% ROE, 23.87% net margin, 12.24 P/E ratio, 1.35 P/B ratio, and 5.51% earnings growth, these metrics solidify its Netural investment rating.