Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

United Bancorp, Inc. (UBCP)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$22.92 - $57.90$34.52
Multi-Stage$17.29 - $18.81$18.03
Blended Fair Value$26.27
Current Price$13.98
Upside87.94%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS9.65%11.17%0.920.860.820.740.610.580.580.500.460.41
YoY Growth--6.77%5.04%11.17%22.02%4.18%0.16%16.32%9.02%12.44%27.41%
Dividend Yield--6.88%5.79%5.68%4.07%4.24%5.29%5.38%3.86%3.73%4.50%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)5.64
(-) Cash Dividends Paid (M)5.43
(=) Cash Retained (M)0.21
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)1.130.700.42
Cash Retained (M)0.210.210.21
(-) Cash Required (M)-1.13-0.70-0.42
(=) Excess Retained (M)-0.92-0.50-0.21
(/) Shares Outstanding (M)5.545.545.54
(=) Excess Retained per Share-0.17-0.09-0.04
LTM Dividend per Share0.980.980.98
(+) Excess Retained per Share-0.17-0.09-0.04
(=) Adjusted Dividend0.810.890.94
WACC / Discount Rate9.25%9.25%9.25%
Growth Rate5.50%6.50%7.50%
Fair Value$22.92$34.52$57.90
Upside / Downside63.95%146.89%314.15%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)5.646.006.396.817.257.727.95
Payout Ratio96.30%95.04%93.78%92.52%91.26%90.00%92.50%
Projected Dividends (M)5.435.705.996.306.626.957.36

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.25%9.25%9.25%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)5.175.225.27
Year 2 PV (M)4.935.025.12
Year 3 PV (M)4.704.834.97
Year 4 PV (M)4.474.644.82
Year 5 PV (M)4.264.474.68
PV of Terminal Value (M)72.1775.6579.27
Equity Value (M)95.7099.84104.13
Shares Outstanding (M)5.545.545.54
Fair Value$17.29$18.03$18.81
Upside / Downside23.64%28.99%34.54%

High-Yield Dividend Screener

« Prev Page 138 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
SHOM.TAE.N. Shoham Business Ltd0.06%$0.5144.70%
SIEVI.HESievi Capital Plc0.06%$0.000.75%
SLPE.LStandard Life Private Equity Trust0.06%$0.2525.55%
TCPI.JKPT Transcoal Pacific Tbk0.06%$5.0013.12%
TFW.LFW Thorpe Plc0.06%$0.1639.41%
THYAO.ISTürk Hava Yollari Anonim Ortakligi0.06%$0.168.14%
ULVR.LUnilever PLC0.06%$3.0772.78%
ZZD.JOZeda Limited0.06%$0.7711.24%
002006.SZZhejiang Jinggong Science & Technology Co., Ltd0.05%$0.012.63%
002232.SZQiming Information Technology Co.,Ltd0.05%$0.0143.17%
002248.SZWeihai Huadong Automation Co., Ltd0.05%$0.017.78%
002412.SZHunan Hansen Pharmaceutical Co., Ltd.0.05%$0.000.94%
002641.SZEra Co., Ltd.0.05%$0.002.99%
002646.SZQinghai Huzhu TianYouDe Highland Barley Spirit Co., Ltd.0.05%$0.0030.24%
002725.SZZhejiang Yueling Co., Ltd.0.05%$0.012.70%
114190.KQKANGWON ENERGY Co., Ltd.0.05%$5.674.86%
2082.SRACWA POWER Company0.05%$0.104.24%
2099.HKChina Gold International Resources Corp. Ltd.0.05%$0.0810.76%
2148.HKVesync Co., Ltd0.05%$0.001.72%
2767.TFields Corporation0.05%$0.980.34%
300456.SZSai MicroElectronics Inc.0.05%$0.031.37%
300479.SZSynthesis Electronic Technology Co.,Ltd.0.05%$0.017.45%
300604.SZHangzhou Changchuan Technology Co.,Ltd0.05%$0.053.28%
600101.SSSichuan Mingxing Electric Power Co., Ltd.0.05%$0.001.56%
600316.SSJiangxi Hongdu Aviation Industry Co., Ltd.0.05%$0.0233.05%
600573.SSFuJian YanJing HuiQuan Brewery Co.,Ltd0.05%$0.011.79%
600589.SSDawei Technology (Guangdong) Group Co., Ltd.0.05%$0.0012.53%
600610.SSGuizhou Zhongyida Co., Ltd0.05%$0.0011.31%
600822.SSShanghai Material Trading Co., Ltd.0.05%$0.0110.21%
600875.SSDongfang Electric Corporation Limited0.05%$0.011.33%
600993.SSMayinglong Pharmaceutical Group Co., Ltd.0.05%$0.021.14%
601333.SSGuangshen Railway Company Limited0.05%$0.000.88%
601928.SSJiangsu Phoenix Publishing & Media Corporation Limited0.05%$0.010.70%
603219.SSNingbo Fujia Industrial Co., Ltd.0.05%$0.013.04%
603648.SSShanghai Shine-Link International Logistics Co., Ltd.0.05%$0.011.93%
605188.SSJiangxi Guoguang Commercial Chains Co., Ltd.0.05%$0.0183.54%
688261.SSSuzhou Oriental Semiconductor Company Limited0.05%$0.048.67%
688718.SSWave Cyber (Shanghai) Co., Ltd.0.05%$0.013.39%
ABF.LAssociated British Foods plc0.05%$1.1333.11%
AFLT.MEPJSC Aeroflot - Russian Airlines0.05%$0.030.13%
AFM.LAlpha Financial Markets Consulting plc0.05%$0.2485.84%
APEO.Labrdn Private Equity Opportunities Trust plc0.05%$0.2921.95%
BAG.LA.G. BARR p.l.c.0.05%$0.3141.70%
BLDN.QABaladna Q.P.S.C.0.05%$0.000.30%
BRMG.TABrimag Digital Age Ltd.0.05%$1.2334.30%
BRSA.LBlackRock Sustainable American Income Trust plc0.05%$0.1052.78%
BSLI3.SABRB - Banco de Brasília S.A.0.05%$0.000.21%
CCH.LCoca-Cola HBC AG0.05%$1.9746.31%
CKN.LClarkson PLC0.05%$2.0740.32%
CTEC.LConvaTec Group Plc0.05%$0.1268.67%