UBCP - NASDAQ
United Bancorp, Inc.
$15.90
+0.13%United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
At a Glance
Live SnapshotUnited Bancorp, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
Base year metrics used for projections
Projection Settings
Forecast period and terminal assumptions
DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.4M | $2.9M | $1.6M | $834.6K | $449.1K | $241.6K | $130.0K | $70.0K | $37.6K | $20.3K |
| Maintenance CapEx | -$1.3M | -$682.0K | -$367.0K | -$197.5K | -$106.3K | -$57.2K | -$30.8K | -$16.6K | -$8.9K | -$4.8K |
| Owner Earnings | $4.1M | $2.2M | $1.2M | $637.1K | $342.8K | $184.5K | $99.3K | $53.4K | $28.7K | $15.5K |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $3.8M | $1.9M | $939.9K | $468.3K | $233.3K | $116.2K | $57.9K | $28.9K | $14.4K | $7.2K |
Related Guides
Continue your UBCP research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.