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UBCP

United BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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AI scenario view

RankAlpha Sentiment Codex
B+
Bull case
25%
Probability
Target price
$17.50
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$14.60
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$11.50
Analysis reference price unavailable
Analysis 2026-10-02 · 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 2026-10-02
Recent news sentiment (30D)
+5.8
Positive
Company
-
Unavailable
Macro
+5.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
-20.0
Negative
Sentiment proxy
+62.7
Score

AI commentary

The packet contains no recent-news or usable social, options, short-interest or employee-sentiment measurements; zero entries above mean unavailable, not neutral observations. Company filings support improving first-half earnings and funding economics, but also identify concentrated credit and spending risks. No reliable post-release price reaction or analyst target revision was supplied. Catalyst probabilities and price impacts are judgmental scenarios, not measured forecasts.

RankAlpha Sentiment Codex - 2026-10-02
Open full AI memo

Evidence flagged

No evidence quality warning is currently attached to this memo.

Impact
standard
Confidence
-

AI events

2026-12-31eventTest whether lower-cost deposit growth sustains margin gainsMedium impact

First-half deposits rose $44.0 million, including $30.8 million of lower-cost deposits; net interest margin rose 17 basis points year over year to 3.82%. Subsequent results need to show whether those funding gains persist. [#SEC-8K-2026-07-24] https://www.sec.gov/Archives/edgar/data/731653/000110465926086543/tm2621220d1_ex-99.htm

2026-12-31eventResolution or deterioration of a concentrated nonaccrual loanHigh impact

Past-due and nonaccrual loans reached $6.9 million, or 1.4% of gross loans, at June 30. Management attributed most of the year-over-year increase to one approximately $4.2 million commercial relationship. Its subsequent performance is a material credit-quality test, not an assumed recovery. [#SEC-8K-2026-07-24] https://www.sec.gov/Archives/edgar/data/731653/000110465926086543/tm2621220d1_ex-99.htm

2028-06-30catalystInfrastructure spending must translate into earningsHigh impact

Management said current infrastructure projects add expense and dilute earnings, but expects returns over the following 12–24 months. This remains an execution thesis rather than established earnings growth. [#SEC-8K-2026-07-24] https://www.sec.gov/Archives/edgar/data/731653/000110465926086543/tm2621220d1_ex-99.htm

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Recommendation

N/A

No formal recommendation provided.

Open AI Memo
As of 2026-10-02 • Updated nightlySource: Internal modelMethodology