B+
Bull case
25%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
UBCP
United BancorpANasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-08-03
Recent news sentiment (30D)
+22.7
Positive
Company
-
Unavailable
Macro
+22.7
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+75.5
Score
AI commentary
Primary earnings evidence is positive, but stored earnings context indicates UBCP declined 2.1% after the print versus a 1.5% S&P 500 decline. Analyst revisions, options data, short interest, employee data, and social coverage are unavailable; neutral zeros represent missing data, not positive signals. [#PR-EARNINGS-2026-07-29]
RankAlpha Sentiment Codex - 2026-08-03
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-11-01eventQ2 2026 earnings growthMedium impact
The official SEC-filed earnings exhibit reported Q2 diluted EPS of $0.36 and net income of $2.095 million, up 9.1% and 9.4% year over year, respectively; linked-quarter results also improved. [#SEC-8K-2026-07-24]
2026-11-01catalystMargin and deposit momentumMedium impact
Stored earnings context reports Q2 net interest margin expansion to 3.82% from 3.65%, 6.8% deposit growth, and management expectation for improving net interest income and margin through the remainder of 2026. [#PR-EARNINGS-2026-07-29]
2027-08-03catalystInfrastructure investment payoffHigh impact
Management said transformative infrastructure and growth investments are currently dilutive but are expected to produce higher earnings over the next 12 to 24 months. [#SEC-8K-2026-07-24]
Recommendation
N/A
No formal recommendation provided.
As of 2026-08-03 • Updated nightlySource: Internal modelMethodology