United Bancorp, Inc. cash flow to debt ratio of 7.58% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

United Bancorp, Inc.'s free cash flow has decreased 46.19% from $-1.25M last year to $-1.82M, signaling decreasing performance

United Bancorp, Inc.'s debt to equity ratio is 1.60, which means that the company's assets are unhealthy financed, signaling financial risk.

United Bancorp, Inc.'s debt has decreased relative to shareholder equity from 2.08 last year to 1.60 today, signaling strengthened financials

United Bancorp, Inc. has a net cash position, so leverage is healthy.

United Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

United Bancorp, Inc.'s profit margin has decreased (1.67%) in the last year from 16.83% to 16.55%, signaling decreasing performance

United Bancorp, Inc.'s short-term liabilities of $670.77M exceed its short-term assets of $165.31M, signaling financial risk

United Bancorp, Inc.'s return on assets of 0.91% is lower than the 5.00% threshold, indicating inefficient asset utilization

United Bancorp, Inc.'s return on equity of 11.73%, is lower than 15.00%, indicating bad performance

United Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

United Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

United Bancorp, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

United Bancorp, Inc. has negative free cash flow, indicating cash burn

United Bancorp, Inc.'s yearly earnings has increased 4.74% since last year from $7.40M to $7.75M, signaling increasing performance

United Bancorp, Inc.'s yearly revenue has decreased 27.57% since last year from $43.98M to $31.85M, signaling decreasing performance

ROIC 0.88% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

United Bancorp, Inc.'s 3-year revenue CAGR of 14.38% is positive, indicating growing revenue over the past 3 years

United Bancorp, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

United Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

United Bancorp, Inc. has insufficient data to evaluate this check.

United Bancorp, Inc. has an earnings yield of 9.31%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

United Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

United Bancorp, Inc. has an EV/EBITDA ratio of 6.52x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

United Bancorp, Inc. is undervalued relative to its fair value price of 38.48 based on Earnings Fair Value model

United Bancorp, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

United Bancorp, Inc. has a price-to-book ratio of 0.09x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

United Bancorp, Inc. has a price-to-sales ratio of 1.78x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue