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United Bancorp, Inc.
UBCPFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $47.50M | 16.3% | $7.74M | -$1.80M | N/A |
| 2027 | $53.29M | 16.3% | $8.69M | -$2.03M | -$1.84M |
| 2028 | $59.79M | 16.3% | $9.75M | -$2.27M | -$1.88M |
| 2029 | $67.09M | 16.3% | $10.94M | -$2.55M | -$1.92M |
| 2030 | $75.27M | 16.3% | $12.27M | -$2.86M | -$1.95M |
| 2031 | $84.46M | 16.3% | $13.77M | -$3.21M | -$1.99M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.34 | 2025-12-31 |
| EPS growth | +11.0% | Forecast years: 5 |
| Future EPS | $2.258 | EPS × (1 + G)^5 |
| Base P/E | 10.2 | P/E |
| Future price | $23.031 | Future EPS × P/E |
| Fair value today | $14.301 | PV @ 10.0% |
| 30% safety price | $10.01 | Margin of safety |
| 50% safety price | $7.15 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$1.617 | -$2.558 | -$3.841 |
| 10.0% | -$0.669 | -$1.362 | -$2.269 |
| 11.0% | $0.079 | -$0.449 | -$1.118 |