RankAlpha logo
Back to Rankings

UBCP

United BancorpB
Nasdaq / Banks
Last Price
At close
2026-07-22
View Chart
Current thesis
The positive case is still a slow-burn community-bank story: recurring dividend support plus the possibility that 2025 branch, mortgage, treasury-management, and digital investments begin to show through in revenue mix and operating leverage, consistent with management's 12-24 month framing [#10-K-2026-03-18].
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-29.
What can break
As a small community bank, UBCP remains exposed to deposit-cost pressure, margin compression, and credit normalization if local demand or borrower health softens.
Momentum
67
Value
60
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.50 · Bull $18.50 · Bear $14.00
Earnings
2026-07-29
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.00
Why
Momentum67 · Δ7d -
Value60 · Δ7d -0.9
Sentiment55 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
67
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
60
39% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
-0.1
Sentiment
55
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 66.9 / Value 59.8 / Sentiment 54.8

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$91.51M
Beta
0.40
Shares Out
5.78M
P/E (TTM)
11.2
P/S (TTM)
2.74
P/FCF (TTM) · Derived
-10.41
Rev YoY
+2.8%
EPS YoY
+2.7%
Gross Margin
-
Op Margin
+24.0%
Net Debt
$121.89M
Current Ratio
0.09
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology