United Bancorp, Inc. (UBCP)

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The chart shows the growth of an initial investment of $10,000 in United Bancorp, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

United Bancorp, Inc. (UBCP) has returned 8.53% so far this year and 20.77% over the past 12 months. Over the last ten years, UBCP has returned 10.69% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Aug 18, 1995, UBCP's average daily return is +0.06%, while the average monthly return is +0.77%. At this rate, your investment would double in approximately 7.5 years.

Historically, 51% of months were positive and 49% were negative. The best month was Nov 2004 with a return of +37.1%, while the worst month was Jun 2000 at -23.1%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 7 months.

On a daily basis, UBCP closed higher 39% of trading days. The best single day was Sep 18, 2015 with a return of +29.9%, while the worst single day was Sep 21, 2015 at -19.1%.

United Bancorp, Inc. has an annualized alpha of 16.03%, beta of 0.05, and R² of 0.00 versus S&P 500 Index. Calculated based on daily prices since August 21, 1995.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (34.75%) than losses (28.23%) — typical of diversified or defensive assets.
• Beta of 0.05 may look defensive, but with R² of 0.00 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R² of 0.00 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

UBCP ranks 65 for risk / return — better than 65% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

The table below present risk-adjusted performance metrics for United Bancorp, Inc. (UBCP) and compare them to a chosen benchmark (S&P 500 Index).

United Bancorp, Inc. provided a 6.11% dividend yield over the last twelve months, with an annual payout of $0.93 per share. The company has been increasing its dividends for 8 consecutive years.

The table displays the monthly dividend distributions for United Bancorp, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the United Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the United Bancorp, Inc. was 67.81%, occurring on Jun 26, 2000. Recovery took 2962 trading sessions.

The current United Bancorp, Inc. drawdown is 10.58%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of United Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how United Bancorp, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.