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UB Bancorp (UBNC) Stock Overview

UB Bancorp operates as the bank holding company for Union Bank that provides commercial and retail banking services to individuals and businesses. More details

UBNC fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (10.4x) is below the US market (14.5x)

Earnings grew by 11.9% over the past year

Risk Analysis

No risks detected for UBNC from our risk checks.

UBNC Community Fair Values

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UB Bancorp Competitors

Price History & Performance

Summary of share price highs, lows and changes for UB Bancorp
Historical stock prices
Current Share Price	US$21.05
52 Week High	US$23.50
52 Week Low	US$16.91
Beta	0.56
1 Month Change	-7.06%
3 Month Change	9.35%
1 Year Change	21.82%
3 Year Change	44.97%
5 Year Change	31.01%
Change since IPO	426.38%

Recent updates

Shareholder Returns

	UBNC	US Banks	US Market
7D	0%	4.5%	3.1%
1Y	21.8%	40.0%	27.4%

Return vs Industry: UBNC exceeded the US Banks industry which returned -18.6% over the past year.

Return vs Market: UBNC exceeded the US Market which returned -18.1% over the past year.

Price Volatility

Is UBNC's price volatile compared to industry and market?
UBNC volatility
UBNC Average Weekly Movement	5.2%
Banks Industry Average Movement	3.8%
Market Average Movement	7.1%
10% most volatile stocks in US Market	16.1%
10% least volatile stocks in US Market	3.3%

Stable Share Price: UBNC has not had significant price volatility in the past 3 months.

Volatility Over Time: UBNC's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	n/a	Rob Jones	www.unionbanknc.com

UB Bancorp operates as the bank holding company for Union Bank that provides commercial and retail banking services to individuals and businesses. The company offers checking accounts, savings and money market accounts, certificates of deposit, and individual retirement accounts; and person-to-person payment, cash management, treasury management, and remote deposit services. It also provides personal loans, including consumer instalment loans, such as auto, boat, 2nd mortgage, and home improvement loans; home equity credit lines; residential mortgage loans; residential rental property loans; personal credit lines; and personal construction loans.

UB Bancorp Fundamentals Summary

How do UB Bancorp's earnings and revenue compare to its market cap?
UBNC fundamental statistics
Market cap	US$126.47m
Earnings (TTM)	US$12.21m
Revenue (TTM)	US$39.04m

10.4x

P/E Ratio

1.6x

P/B Ratio

Is UBNC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UBNC income statement (TTM)
Revenue	US$39.04m
Cost of Revenue	US$0
Gross Profit	US$39.04m
Other Expenses	US$26.84m
Earnings	US$12.21m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	2.03
Gross Margin	100.00%
Net Profit Margin	31.26%
Debt/Equity Ratio	39.8%

How did UBNC perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

11%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2022/12/13 04:13
End of Day Share Price	2022/12/05 00:00
Earnings	2022/09/30
Annual Earnings	2021/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

UB Bancorp is covered by 0 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

UB BancorpOTCPK:UBNC Stock Report