UBCP
United Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: UBCP
- PE Ratio
As at Jun 22, 2026, the UBCP stock has a PE ratio of 11.85. This is based on the current EPS of $1.35 and the stock price of $16 per share. An increase of 8% has been seen in the P/E ratio compared to the average of 11.0 of the last 4 quarters.
UBCP PE ratio history
The mean historical PE ratio of United Bancorp over the last ten years is 11.81. The current 11.85 PE ratio is comparable to the historical average. Over the past ten years, UBCP's PE ratio was at its highest in the Dec 2016 quarter at 18.75, with a price of $13.5 and an EPS of $0.72. The Sep 2023 quarter recorded the bottom point at 7.45, with a price of $11.55 and an EPS of $1.55.
United Bancorp PE ratio by year
Maximum annual increase: 27.12% in 2016
Maximum annual decrease: -25.29% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.71 | 4.59% | $14.35 | $1.34 |
| 2024 | 10.24 | 25.18% | $13 | $1.27 |
| 2023 | 8.18 | -16.62% | $12.84 | $1.57 |
| 2022 | 9.81 | -4.57% | $14.72 | $1.5 |
| 2021 | 10.28 | 8.44% | $16.66 | $1.62 |
| 2020 | 9.48 | -21.13% | $13.18 | $1.39 |
| 2019 | 12.02 | -13.77% | $14.3 | $1.19 |
| 2018 | 13.94 | -25.29% | $11.43 | $0.82 |
| 2017 | 18.66 | -0.48% | $13.25 | $0.71 |
| 2016 | 18.75 | 27.12% | $13.5 | $0.72 |
| 2015 | 14.75 | -1.27% | $9.59 | $0.65 |
| 2014 | 14.94 | -1.39% | $8.07 | $0.54 |
| 2013 | 15.15 | 18.54% | $8.03 | $0.53 |
| 2012 | 12.78 | -4.84% | $6.26 | $0.49 |
| 2011 | 13.43 | -19.82% | $8.46 | $0.63 |
United Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 11.27 | 5.23% | $15.21 | $1.35 |
| Dec 2025 | 10.71 | 0.37% | $14.35 | $1.34 |
| Sep 2025 | 10.67 | -5.83% | $13.98 | $1.31 |
| Jun 2025 | 11.33 | 5.49% | $14.5 | $1.28 |
| Mar 2025 | 10.74 | 4.88% | $13.42 | $1.25 |
| Dec 2024 | 10.24 | 7.68% | $13 | $1.27 |
| Sep 2024 | 9.51 | 12.95% | $13.13 | $1.38 |
| Jun 2024 | 8.42 | -7.47% | $12.55 | $1.49 |
| Mar 2024 | 9.1 | 11.25% | $14.47 | $1.59 |
| Dec 2023 | 8.18 | 9.8% | $12.84 | $1.57 |
| Sep 2023 | 7.45 | -4.73% | $11.55 | $1.55 |
| Jun 2023 | 7.82 | -17.51% | $11.97 | $1.53 |
| Mar 2023 | 9.48 | -3.36% | $14.5 | $1.53 |
| Dec 2022 | 9.81 | -7.8% | $14.72 | $1.5 |
| Sep 2022 | 10.64 | 4.52% | $16.07 | $1.51 |
UBCP Price vs fair value
UBCP average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
UBCP's current P/E ratio is above the 3, 5 and 10-year historical averages.
PE comparison
United Bancorp's P/E of 11.85 is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.78, United Bancorp's P/E is 7% lower.
UBCP PE vs peers
Compared to its peers HBAN and PRK, UBCP's PE ratio stands lower, however it is higher than WSBC's and FFBC's. United Bancorp's PE ratio is trading below the peer group average of 12.12.
| Stock name | PE ratio | Market cap |
|---|---|---|
| SBFG Sb Financial Group Inc | 9.08 | $145.27M |
| FMNB Farmers National Banc Corp | 9.92 | $852.1M |
| FFBC First Financial Bancorp | 11.35 | $3.41B |
| UBCP United Bancorp Inc | 11.63 | $90.76M |
| PEBO Peoples Bancorp Inc | 11.84 | $1.34B |
| WSBC Wesbanco Inc | 11.91 | $3.59B |
| HBAN Huntington Bancshares Inc | 13.18 | $35.27B |
| OVBC Ohio Valley Banc Corp | 15.09 | $233.1M |
| PRK Park National Corp | 16.35 | $3.24B |
Frequently asked questions
What is United Bancorp's PE ratio?
The price to earnings ratio for UBCP stock as of Jun 22, 2026, stands at 11.85.
What is the 3-year average PE ratio for United Bancorp (UBCP)?
Over the last 3 years, the average price to earnings ratio for UBCP stock is 9.62.
What is the 5-year average PE ratio for United Bancorp (UBCP)?
Over the last 5 years, the average price to earnings ratio for UBCP stock is 9.76.
What is the highest PE ratio for UBCP?
Over the last ten years, the quarterly PE ratio reached a historic high of 18.75 in the Dec 2016 quarter.
How does the current PE ratio for UBCP compare to its historical average?
UBCP's current price to earnings ratio is 0.3% above its 10-year historical average.
How is UBCP's PE ratio calculated (United Bancorp PE ratio formula)?
The PE ratio is calculated by dividing the most recent price of a stock by its trailing twelve months EPS. As of today (Jun 22, 2026), United Bancorp's stock price is $16. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.35. Therefore, United Bancorp's P/E ratio for today is 11.85. PE RATIO(11.85) = STOCK PRICE($16) / TTM EPS($1.35)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.