Is United Bancorp, Inc. (Ohio) overvalued or undervalued?

Sep 20 2025 05:31 PM IST
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As of September 5, 2025, United Bancorp, Inc. is considered very attractive due to its undervalued metrics, including a P/E ratio of 12, despite recent declines in stock performance, with a year-to-date return of 4.38% compared to the S&P 500's 12.22%, but a 1-year return of 15.49% indicates potential for recovery.
As of 5 September 2025, the valuation grade for United Bancorp, Inc. (Ohio) moved from expensive to very attractive, indicating a significant improvement in its perceived value. The company appears undervalued based on its current metrics, with a P/E ratio of 12, a Price to Book Value of 1.36, and an EV to EBITDA ratio of 25.50. In comparison, Investar Holding Corp. has a P/E of 9.99, while Citizens Community Bancorp, Inc. stands at 13.08, highlighting United Bancorp's relative attractiveness in the market.

Despite recent stock performance showing a decline of 5.83% over the past week and 4.77% over the past month, the company has delivered a YTD return of 4.38%, which is significantly lower than the S&P 500's 12.22%. Over the longer term, however, United Bancorp's 1-year return of 15.49% is close to the S&P 500's 17.14%, suggesting potential for recovery and growth.
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