RankAlpha logo
Back to Rankings

UBCP

United BancorpA
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
Improving Q2 earnings, margin expansion, deposit growth, and management's stated 12-24 month investment-payoff thesis support modest upside. The $20 median target implies material upside to the $15.25 anchor, but analyst coverage count is unavailable.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Credit deterioration or further concentration in nonaccrual commercial loans.
Momentum
67
Value
71
Sentiment
70
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $17.50 · Bull $21.00 · Bear $12.50Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $20.00
Why
Momentum67 · Δ7d -
Value71 · Δ7d +9.7
Sentiment70 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Credit deterioration or further concentration in nonaccrual commercial loans.
  • • Funding costs, deposit repricing, and interest-rate changes could reverse margin gains.
  • • Credit quality has some weakening indicators in stored earnings context, including higher nonaccrual exposure tied largely to one commercial relationship.

Catalyst clock

2026-11-01

Q2 2026 earnings growth

Lead driver: Sentiment · See AI snapshot
Momentum
67
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
71
28% active weight
Current posture
7d trendImproving
Δ7d
+9.7
Δ21d
+9.7
Sentiment
70
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 66.9 / Value 71.1 / Sentiment 70.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
25%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$17.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$12.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$87.64M
Beta
0.40
Shares Out
5.74M
P/E (TTM)
11.2
P/S (TTM)
2.74
P/FCF (TTM) · Derived
-8.21
Rev YoY
+3.0%
EPS YoY
+9.3%
Gross Margin
-
Op Margin
+16.0%
Net Debt
$121.89M
Current Ratio
0.14
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data