UBCP United Bancorp, Inc. - Common Stock

NASDAQ · Banking · Lihat di SEC EDGAR ↗
$14,40
Harga · Mei 19, 2026
Fundamental per Mei 14, 2026

UBCP Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga
$14.40
Kapitalisasi Pasar
P/E (TTM)
10.7
EPS (TTM)
$1.34
Pendapatan (TTM)
Imbal Hasil Dividen
ROE
D/E Utang/Ekuitas
Rentang 52M
$12 – $17

UBCP Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih
EPS $1.34
10-point trend, +88.7%
2016-12-31 2025-12-31
Arus Kas Bebas
8-point trend, -164.9%
2016-12-31 2024-12-31
Margin

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik
Tren 5 Tahun
UBCP
Median Rekan
P/E (TTM)
5-point trend, +4.1%
10.7
11.3

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik
Tren 5 Tahun
UBCP
Median Rekan

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik
Tren 5 Tahun
UBCP
Median Rekan

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik
Tren 5 Tahun
UBCP
Median Rekan
Revenue YoY (Pendapatan YoY)
6.7%
Revenue CAGR 3Y (CAGR Pendapatan 3T)
2.8%
Revenue CAGR 5Y (CAGR Pendapatan 5T)
2.9%
EPS YoY
5-point trend, -17.3%
5.5%
Net Income YoY (Laba Bersih YoY)
5-point trend, -18.0%
4.7%

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik
Tren 5 Tahun
UBCP
Median Rekan
EPS (Diluted)
5-point trend, -17.3%
$1.34

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik
Tren 5 Tahun
UBCP
Median Rekan

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen
Rasio Pembayaran Dividen
CAGR Dividen 5T
Tanggal ex-dividenJumlah
10 Maret 2026$0,3680
10 Des. 2025$0,1900
10 Sep. 2025$0,1880
10 Juni 2025$0,1850
10 Maret 2025$0,3580
10 Des. 2024$0,1800
10 Sep. 2024$0,1780
10 Juni 2024$0,1750
7 Maret 2024$0,3230
7 Des. 2023$0,1700
7 Sep. 2023$0,1680
8 Juni 2023$0,1650
9 Maret 2023$0,3130
8 Des. 2022$0,1600
8 Sep. 2022$0,1580
9 Juni 2022$0,1550
9 Maret 2022$0,3030
9 Des. 2021$0,1500
9 Sep. 2021$0,1480
9 Juni 2021$0,1450

UBCP Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

BELI 7 analis
  • Beli Kuat 2 28,6%
  • Beli 4 57,1%
  • Tahan 1 14,3%
  • Jual 0 0,0%
  • Jual Kuat 0 0,0%

Target Harga 12 Bulan

1 analis · 2026-05-20
Target median $20.00 +38,9%
Target rata-rata $20.00 +38,9%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata
0.12%
Periode EPS Aktual EPS Estimasi Kejutan
31 Des. 2022 $0.40
31 Des. 2021 $0.41 $0.36 0.05%
30 Sep. 2021 $0.50 $0.27 0.23%
31 Des. 2020 $0.46 $0.38 0.08%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker Kapitalisasi Pasar P/E Pendapatan YoY Margin Bersih ROE Margin Kotor
UBCP 10.7 6.7%
PBHC $67M -7.4% -4.1% -1.6%
AUBN $94M 13.0 0.81% 1172.0% 8.2%

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 9
Data Laporan Laba Rugi Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +346.5% · · $11M $3M $3M $5M $6M $3M $2M $2M $2M $2M
Interest Income 12-point trend, +153.3% $41M $40M $37M $28M $25M $28M $27M $21M $18M $17M $16M $16M
Pretax Income 12-point trend, +114.5% $8M $7M $9M $10M $11M $9M $7M $5M $6M $5M $5M $4M
Income Tax 12-point trend, -109.3% $-86.0K $-107.0K $541.0K $879.0K $1M $629.0K $599.0K $800.0K $2M $2M $1M $923.0K
Net Income 12-point trend, +192.5% $8M $7M $9M $9M $9M $8M $7M $4M $4M $4M $3M $3M
EPS (Basic) 12-point trend, +148.1% $1.34 $1.27 $1.57 $1.50 $1.62 $1.39 $1.19 $0.82 $0.71 $0.72 $0.65 $0.54
EPS (Diluted) 12-point trend, +152.8% $1.34 $1.27 $1.57 $1.50 $1.62 $1.39 $1.19 $0.82 $0.71 $0.71 $0.64 $0.53
Shares (Basic) 11-point trend, +13.3% 5,492,092 5,539,653 5,490,488 5,483,305 5,477,266 5,458,365 · 4,952,471 4,981,942 4,907,799 4,856,735 4,846,219
Shares (Diluted) 10-point trend, +11.5% 5,492,092 5,539,653 5,490,488 5,483,305 5,477,266 5,458,365 · · 4,985,799 5,016,320 4,933,156 4,924,245
Neraca 18
Data Neraca Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +18.8% $47M $20M $41M $30M $83M $52M $15M $25M $14M $12M $13M $39M
PP&E (Net) 12-point trend, +238.5% $34M $24M $15M $12M $13M $14M $12M $12M $12M $12M $10M $10M
PP&E (Gross) 12-point trend, +123.9% $62M $51M $41M $39M $37M $37M $35M $33M $32M $31M $29M $28M
Accum. Depreciation 12-point trend, +58.8% $28M $27M $26M $26M $24M $23M $22M $21M $20M $19M $19M $18M
Goodwill 9-point trend, +682000.00 $682.0K $682.0K $682.0K $682.0K $682.0K $682.0K $682.0K $682.0K $0 · · ·
Intangibles 2-point trend, -100.0% · · · · · · · · · · $0 $66.0K
Total Assets 12-point trend, +113.4% $857M $817M $819M $757M $724M $693M $686M $593M $459M $438M $405M $402M
Short-term Debt 8-point trend, +208.0% · · · · $16M $13M $7M $8M $11M $9M $6M $5M
Deferred Tax 5-point trend, +1681000.00 · · · · $2M $2M $2M $219.0K $0 · · ·
Total Liabilities 12-point trend, +117.7% $787M $753M $756M $698M $653M $625M $626M $543M $415M $395M $364M $361M
Total Debt 6-point trend, +35.6% · · · · · · $7M $8M $11M $9M $6M $5M
Common Stock 12-point trend, +15.4% $6M $6M $6M $6M $6M $6M $6M $6M $5M $5M $5M $5M
Retained Earnings 12-point trend, +137.2% $49M $46M $44M $42M $38M $32M $28M $24M $23M $22M $21M $20M
Treasury Stock 12-point trend, +5558.7% $4M $3M $3M $2M $1M $989.0K $462.0K $46.0K $46.0K $46.0K $46.0K $63.0K
AOCI 12-point trend, -9487.7% $-5M $-10M $-7M $-9M $7M $9M $6M $-10.0K $-420.0K $-454.0K $-181.0K $57.0K
Stockholders' Equity 12-point trend, +74.6% $71M $63M $64M $60M $72M $68M $60M $51M $44M $43M $41M $40M
Liabilities + Equity 12-point trend, +113.4% $857M $817M $819M $757M $724M $693M $686M $593M $459M $438M $405M $402M
Shares Outstanding 11-point trend, +11.9% 5,756,852 5,793,611 5,702,685 5,740,251 5,791,853 5,791,853 5,740,817 2,018 5,244,105 5,208,015 5,143,637 ·
Arus Kas 14
Data Arus Kas Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
D&A 12-point trend, +27.7% $1M $1M $997.0K $1M $1M $1M $1M $974.0K $918.0K $819.0K $934.0K $960.0K
Stock-based Comp 12-point trend, +119.0% $357.0K $884.0K $658.0K $1M $414.0K $324.0K $293.0K $287.0K $163.0K $147.0K $164.0K $163.0K
Deferred Tax 12-point trend, -627.5% $-633.0K $-904.0K $13.0K $342.0K $112.0K $-547.0K $42.0K $375.0K $545.0K $82.0K $-175.0K $120.0K
Amort. of Intangibles 9-point trend, +2.5% $122.0K $150.0K $150.0K $150.0K $150.0K $150.0K · · · $0 $66.0K $119.0K
Operating Cash Flow 12-point trend, +150.0% $10M $8M $9M $8M $8M $9M $9M $6M $5M $4M $4M $4M
CapEx 12-point trend, +3711.7% $12M $10M $1M $511.0K $777.0K $3M $1M $785.0K $782.0K $2M $1M $309.0K
Investing Cash Flow 10-point trend, +87.1% $-5M $-19M $-48M $-103M $-1M $34M $-96M $-63M $-18M $-35M · ·
Stock Repurchased 7-point trend, -23.8% $317.0K $687.0K $733.0K $767.0K $72.0K $526.0K $416.0K · · · · ·
Net Stock Activity 5-point trend, -65.1% · $-687.0K $-733.0K $-767.0K $-72.0K · $-416.0K · · · · ·
Dividends Paid 12-point trend, +209.3% $5M $5M $5M $5M $4M $3M $3M $3M $3M $3M $2M $2M
Financing Cash Flow 10-point trend, -29.3% $21M $-10M $50M $42M $24M $-6M $77M $68M $16M $30M · ·
Net Change in Cash 11-point trend, +71.6% $27M $-21M $11M $-53M $31M $37M · $11M $3M $-1M $-26M $16M
Free Cash Flow 10-point trend, -132.2% · $-1M $8M $8M $7M · $7M $5M $4M $2M $3M $4M
Levered FCF 9-point trend, -198.1% · · $-2M $5M $5M · $2M $2M $3M $682.3K $1M $2M
Profitabilitas 4
Data Profitabilitas Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Net Margin 10-point trend, +98.2% · 29.8% 34.6% 35.5% 42.7% · 27.5% 19.6% 18.3% 19.3% 18.3% 15.1%
Pretax Margin 10-point trend, +44.9% · 29.4% 36.7% 39.1% 48.3% · 29.9% 23.3% 28.9% 27.8% 25.9% 20.3%
ROA 10-point trend, +34.3% · 0.90% 1.1% 1.2% 1.3% · 1.1% 0.81% 0.79% 0.85% 0.80% 0.67%
ROE 10-point trend, +71.6% · 11.5% 15.4% 15.3% 13.3% · 11.3% 8.9% 8.2% 8.5% 7.9% 6.7%
Likuiditas & Solvabilitas 1
Data Likuiditas & Solvabilitas Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Debt / Equity 6-point trend, -8.6% · · · · · · 0.1 0.2 0.3 0.2 0.1 0.1
Efisiensi 1
Data Efisiensi Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Asset Turnover 10-point trend, -31.9% · 0.0 0.0 0.0 0.0 · 0.0 0.0 0.0 0.0 0.0 0.0
Per Saham 6
Data Per Saham Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Book Value / Share 8-point trend, +33.8% · $10.95 $11.15 $10.41 $12.38 · $10.86 $8.82 $8.37 $8.19 · ·
Revenue / Share 8-point trend, +25.2% · $4.48 $4.71 $4.45 $4.04 · · · $3.88 $3.69 $3.57 $3.58
Cash Flow / Share 8-point trend, +79.6% · $1.52 $1.72 $1.55 $1.50 · · · $0.92 $0.83 $0.87 $0.85
Cash / Share 8-point trend, +52.7% · $3.38 $7.15 $5.24 $14.33 · $2.72 $4.40 $2.73 $2.22 · ·
Dividend Paid / Share 12-point trend, +178.8% $1 $1 $1 $1 $1 $1 $1 $1 $1 $0 $0 $0
EPS (TTM) 12-point trend, +152.8% $1.34 $1.27 $1.57 $1.50 $1.62 $1.39 $1.19 $0.82 $0.71 $0.71 $0.64 $0.53
Tingkat Pertumbuhan 10
Data Tingkat Pertumbuhan Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +295.6% 6.7% -4.0% 5.9% 10.3% -3.4% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -32.8% 2.8% 3.9% 4.1% · · · · · · · · ·
Revenue CAGR 5Y 2.9% · · · · · · · · · · ·
EPS YoY 5-point trend, -66.7% 5.5% -19.1% 4.7% -7.4% 16.6% · · · · · · ·
EPS CAGR 3Y 3-point trend, -189.1% -3.7% -7.8% 4.1% · · · · · · · · ·
EPS CAGR 5Y -0.73% · · · · · · · · · · ·
Net Income YoY 5-point trend, -74.8% 4.7% -17.3% 3.4% -8.4% 18.8% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -189.8% -3.6% -7.8% 4.0% · · · · · · · · ·
Net Income CAGR 5Y -0.51% · · · · · · · · · · ·
Dividend CAGR 5Y 10.3% · · · · · · · · · · ·
Valuasi (TTM) 16
Data Valuasi (TTM) Tahunan untuk UBCP
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue TTM 7-point trend, -1.4% $3M $3M $3M $3M $3M $3M $3M · · · · ·
Net Income TTM 12-point trend, +192.5% $8M $7M $9M $9M $9M $8M $7M $4M $4M $4M $3M $3M
Market Cap 8-point trend, +7.1% · $75M $73M $84M $96M · $79M $66M $69M $70M · ·
Enterprise Value 4-point trend, +3.9% · · · · · · $71M $48M $66M $68M · ·
P/E 12-point trend, -29.7% 10.7 10.2 8.2 9.8 10.3 9.5 12.0 13.9 18.7 19.0 15.0 15.2
P/S 5-point trend, -3.2% · 27.2 26.5 30.5 34.9 · 28.1 · · · · ·
P/B 8-point trend, -28.0% · 1.2 1.2 1.4 1.3 · 1.3 1.3 1.6 1.6 · ·
P / Tangible Book 5-point trend, -12.9% 1.2 1.2 1.2 1.4 1.4 · · · · · · ·
P / Cash Flow 8-point trend, -47.0% · 8.9 7.7 10.0 11.8 · 9.2 11.4 15.2 16.8 · ·
P / FCF 8-point trend, -264.9% · -60.4 8.7 10.6 13.0 · 10.8 13.2 18.4 36.6 · ·
EV / FCF 4-point trend, -72.6% · · · · · · 9.7 9.7 17.5 35.5 · ·
EV / Revenue · · · · · · 25.2 · · · · ·
Dividend Yield 8-point trend, +88.1% · 6.8% 6.5% 5.4% 4.2% · 4.1% 4.9% 4.0% 3.6% · ·
Earnings Yield 12-point trend, +42.2% 9.3% 9.8% 12.2% 10.2% 9.7% 10.5% 8.3% 7.2% 5.4% 5.3% 6.7% 6.6%
Payout Ratio 10-point trend, +3.3% · 69.1% 53.5% 52.7% 43.4% · 47.4% 75.2% 78.1% 71.0% 70.1% 66.9%
Annual Payout 12-point trend, +209.3% $5M $5M $5M $5M $4M $3M $3M $3M $3M $3M $2M $2M

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi
2025-12-312024-12-312023-12-312022-12-312021-12-31
Laba Bersih $8M$7M$9M$9M$9M
EPS Dilusian $1.34$1.27$1.57$1.50$1.62
Arus Kas
2025-12-312024-12-312023-12-312022-12-312021-12-31
Arus Kas Bebas $-1M$8M$8M$7M

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