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United Bancorp Inc
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Let's analyse United Bancorp Inc together

PenkeI guess you are interested in United Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of United Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of United Bancorp Inc (30 sec.)










What can you expect buying and holding a share of United Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.64
When do you have the money?
1 year
How often do you get paid?
97.5%

What is your share worth?

Current worth
$9.81
Expected worth in 1 year
$9.48
How sure are you?
87.5%

+ What do you gain per year?

Total Gains per Share
$0.31
Return On Investment
2.1%

For what price can you sell your share?

Current Price per Share
$14.47
Expected price per share
$12.63 - $16.31
How sure are you?
50%

1. Valuation of United Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$14.47

2. Growth of United Bancorp Inc (5 min.)




Is United Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$57.7m$58.7m-$4.3m-7.9%

How much money is United Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$2.2m$2.1m$133.7k6.0%
Net Profit Margin27.6%130.7%--

How much money comes from the company's main activities?

3. Financial Health of United Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of United Bancorp Inc? (5 min.)

Welcome investor! United Bancorp Inc's management wants to use your money to grow the business. In return you get a share of United Bancorp Inc.

What can you expect buying and holding a share of United Bancorp Inc?

First you should know what it really means to hold a share of United Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of United Bancorp Inc is $14.47. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of United Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in United Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $9.81. Based on the TTM, the Book Value Change Per Share is $-0.08 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.51 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.16 per quarter.
Based on historical numbers we can estimate the returns while holding a share of United Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.412.8%0.382.6%0.372.5%0.352.4%0.251.7%
Usd Book Value Change Per Share2.5717.8%-0.08-0.6%-0.51-3.5%0.060.4%0.080.6%
Usd Dividend Per Share0.000.0%0.161.1%0.191.3%0.161.1%0.130.9%
Usd Total Gains Per Share2.5717.8%0.080.5%-0.31-2.2%0.221.5%0.211.5%
Usd Price Per Share12.84-12.72-16.35-13.58-12.10-
Price to Earnings Ratio7.91-8.51-11.36-9.87-14.20-
Price-to-Total Gains Ratio5.00-68.68--12.29-4.74-35.07-
Price to Book Ratio1.31-1.39-1.64-1.32-1.39-
Price-to-Total Gains Ratio5.00-68.68--12.29-4.74-35.07-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share14.47
Number of shares69
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.160.16
Usd Book Value Change Per Share-0.080.06
Usd Total Gains Per Share0.080.22
Gains per Quarter (69 shares)5.2915.33
Gains per Year (69 shares)21.1661.31
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
144-2311451751
289-46328933112
3133-705313450173
4178-937417967234
5222-1169522383295
6266-139116268100356
7311-163137312117417
8355-186158357133478
9400-209179402150539
10444-232200446167600

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%128.00.00.0100.0%
Book Value Change Per Share1.03.00.025.0%5.07.00.041.7%12.08.00.060.0%29.011.00.072.5%92.036.00.071.9%
Dividend per Share3.00.01.075.0%11.00.01.091.7%19.00.01.095.0%39.00.01.097.5%127.00.01.099.2%
Total Gains per Share3.01.00.075.0%7.05.00.058.3%15.05.00.075.0%35.05.00.087.5%107.021.00.083.6%

Fundamentals of United Bancorp Inc

About United Bancorp Inc

United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It provides range of banking and financial services, which includes accepting demand, savings, and time deposits; and offers commercial, real estate and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.

Fundamental data was last updated by Penke on 2024-03-22 06:22:08.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of United Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit United Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 22.3% means that $0.22 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of United Bancorp Inc:

  • The MRQ is 22.3%. The company is making a huge profit. +2
  • The TTM is 27.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ22.3%TTM27.6%-5.3%
TTM27.6%YOY130.7%-103.2%
TTM27.6%5Y49.2%-21.7%
5Y49.2%10Y33.7%+15.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ22.3%18.4%+3.9%
TTM27.6%28.0%-0.4%
YOY130.7%25.2%+105.5%
5Y49.2%22.8%+26.4%
10Y33.7%19.8%+13.9%
1.1.2. Return on Assets

Shows how efficient United Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that United Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of United Bancorp Inc:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%+0.0%
TTM0.3%YOY0.3%0.0%
TTM0.3%5Y0.3%0.0%
5Y0.3%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.1%+0.2%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient United Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • 3.8% Return on Equity means United Bancorp Inc generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of United Bancorp Inc:

  • The MRQ is 3.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.1%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.8%TTM4.1%-0.4%
TTM4.1%YOY3.6%+0.5%
TTM4.1%5Y3.4%+0.7%
5Y3.4%10Y2.7%+0.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.8%1.4%+2.4%
TTM4.1%2.5%+1.6%
YOY3.6%2.7%+0.9%
5Y3.4%2.5%+0.9%
10Y2.7%2.8%-0.1%

1.2. Operating Efficiency of United Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient United Bancorp Inc is operating .

  • Measures how much profit United Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of United Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM28.2%-28.2%
TTM28.2%YOY348.8%-320.6%
TTM28.2%5Y104.8%-76.6%
5Y104.8%10Y71.1%+33.7%
1.2.2. Operating Ratio

Measures how efficient United Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of United Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.459+0.459
TTM-0.459YOY-0.215-0.243
TTM-0.4595Y-0.280-0.179
5Y-0.28010Y-0.246-0.034

1.3. Liquidity of United Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if United Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.12 means the company has $0.12 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of United Bancorp Inc:

  • The MRQ is 0.121. The company is unable to pay all its short-term debts. -2
  • The TTM is 27.526. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.121TTM27.526-27.405
TTM27.526YOY25.916+1.610
TTM27.5265Y49.518-21.993
5Y49.51810Y35.823+13.696
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM27.5260.124+27.402
YOY25.9160.225+25.691
5Y49.5180.219+49.299
10Y35.8230.131+35.692
1.3.2. Quick Ratio

Measures if United Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of -0.11 means the company can pay off $-0.11 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of United Bancorp Inc:

  • The MRQ is -0.111. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 56.612. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ-0.111TTM56.612-56.724
TTM56.612YOY57.134-0.522
TTM56.6125Y53.038+3.574
5Y53.03810Y36.191+16.847

1.4. Solvency of United Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of United Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare United Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.93 means that United Bancorp Inc assets are financed with 93.0% credit (debt) and the remaining percentage (100% - 93.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of United Bancorp Inc:

  • The MRQ is 0.930. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.934. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.930TTM0.934-0.005
TTM0.934YOY0.921+0.013
TTM0.9345Y0.916+0.019
5Y0.91610Y0.909+0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9300.915+0.015
TTM0.9340.917+0.017
YOY0.9210.919+0.002
5Y0.9160.919-0.003
10Y0.9090.927-0.018
1.4.2. Debt to Equity Ratio

Measures if United Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,197.8% means that company has $11.98 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of United Bancorp Inc:

  • The MRQ is 11.978. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.106. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.978TTM14.106-2.128
TTM14.106YOY11.701+2.405
TTM14.1065Y11.072+3.034
5Y11.07210Y10.216+0.856
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.97810.829+1.149
TTM14.10611.013+3.093
YOY11.70111.363+0.338
5Y11.07211.437-0.365
10Y10.21613.038-2.822

2. Market Valuation of United Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings United Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare United Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 7.91 means the investor is paying $7.91 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of United Bancorp Inc:

  • The EOD is 8.910. Based on the earnings, the company is underpriced. +1
  • The MRQ is 7.907. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.508. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD8.910MRQ7.907+1.004
MRQ7.907TTM8.508-0.601
TTM8.508YOY11.362-2.854
TTM8.5085Y9.871-1.363
5Y9.87110Y14.201-4.330
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD8.9107.491+1.419
MRQ7.9076.680+1.227
TTM8.5085.295+3.213
YOY11.3626.943+4.419
5Y9.8719.770+0.101
10Y14.2019.943+4.258
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of United Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM12.914-12.914
TTM12.914YOY3.027+9.887
TTM12.9145Y-2.777+15.691
5Y-2.77710Y-2.877+0.100
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ--1.868+1.868
TTM12.914-0.342+13.256
YOY3.0276.448-3.421
5Y-2.7770.429-3.206
10Y-2.8770.091-2.968
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of United Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.31 means the investor is paying $1.31 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of United Bancorp Inc:

  • The EOD is 1.474. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.308. Based on the equity, the company is underpriced. +1
  • The TTM is 1.389. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.474MRQ1.308+0.166
MRQ1.308TTM1.389-0.080
TTM1.389YOY1.640-0.251
TTM1.3895Y1.315+0.073
5Y1.31510Y1.386-0.071
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.4740.433+1.041
MRQ1.3080.386+0.922
TTM1.3890.470+0.919
YOY1.6400.642+0.998
5Y1.3150.795+0.520
10Y1.3861.025+0.361
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of United Bancorp Inc.

3.1. Institutions holding United Bancorp Inc

Institutions are holding 8.937% of the shares of United Bancorp Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-09-30Commonwealth Financial Services, LLC1.63530.3306962304018071.686
2023-09-30Vanguard Group Inc1.171906896100
2023-09-30Geode Capital Management, LLC0.84310.000149611-855-1.6942
2023-09-30Vantage Financial Partners, LLC0.5950.1589350127422.1652
2023-12-31Founders Financial Alliance, LLC0.54470.159632053662226.0391
2023-12-31Dimensional Fund Advisors, Inc.0.52340.00013080100
2023-09-30WesBanco Bank Inc0.50390.01492965300
2023-09-30Koss-Olinger Consulting, LLC0.39660.03982333800
2023-09-30BlackRock Inc0.3846022631-833-3.5501
2023-09-30AllianceBernstein L.P.0.36850.000121685-19706-47.6094
2023-12-31Bridgeway Capital Management, LLC0.31450.00511850900
2023-09-30Raffles Associates LP0.25490.22961500000
2023-09-30Northern Trust Corp0.1814010673-214-1.9656
2023-09-30State Street Corporation0.1712010074-100-0.9829
2023-09-30LORING WOLCOTT & COOLIDGE FID ADV LLP0.11750.0008691700
2023-09-30Morgan Stanley - Brokerage Accounts0.08540502500
2023-09-30Advisor Group Holdings, Inc.0.0510.0001299999149.3526
2023-09-30Tower Research Capital LLC0.02090.00051232-762-38.2146
2023-09-30Bank of America Corp0.020117511750
2023-09-30UBS Group AG0.0089052650.9597
Total 8.19270.9402482105+27245+5.7%

3.2. Funds holding United Bancorp Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-01-31Vanguard Institutional Extnd Mkt Idx Tr1.1470.00096749300
2024-01-31Fidelity Extended Market Index0.52010.0013060700
2023-12-31Bridgeway Omni Small-Cap Value0.28890.01691700000
2023-09-30Bridgeway Omni Small-Cap Value N0.28890.01721700000
2024-01-31DFA US Core Equity 2 I0.18830.00041108000
2024-02-29iShares Micro-Cap ETF0.18170.0141069300
2023-09-30BlackRock Extended Mkt Composite0.17880.00091051900
2023-12-31BlackRock Extended Equity Market K0.1560.00099177-18-0.1958
2024-01-31Fidelity Total Market Index0.14510.0001854100
2024-01-31Fidelity Series Total Market Index0.13650.0002803500
2024-01-31DFA US Core Equity 1 I0.09620.0002566300
2023-12-31NT Ext Equity Mkt Idx Fd - L0.07730.001455000
2023-12-31Northern Trust Extended Eq Market Idx0.07730.001455000
2024-01-31Schwab Total Stock Market Index0.05730.0002337100
2024-01-31DFA US Micro Cap I0.05080.0005299100
2023-12-31NT Ext Equity Mkt Idx Fd - NL0.04490.0005264300
2024-01-31DFA US Vector Equity I0.03830.0006225600
2023-12-31NT EAFE Small Cap Index Fund - NL0.03830.1108225500
2023-12-31NT Ext Equity Mkt Idx Fd - DC - NL - T20.03610.0005212340.1888
2024-01-31Vanguard U.S. Eq Idx £ Acc0.0320.0001188100
Total 3.77980.1679222428-140.0%

3.3. Insider Transactions

Insiders are holding 12.137% of the shares of United Bancorp Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2023-12-12Gary W GlessnerBUY361011.57
2023-12-12Matthew Fredrick BranstetterBUY11711.57
2023-12-12Randall M GreenwoodBUY32011.57
2023-12-12Scott A EversonBUY148211.57
2023-11-27Richard L RiesbeckSELL1975010.21
2023-08-04Gary W GlessnerBUY137511.83
2023-05-19John M HoopingarnerBUY72912.36
2023-05-19Randall M GreenwoodBUY27112.36

4. Summary

4.1. Key Performance Indicators

The key performance indicators of United Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.570-0.084+103%-0.508+120%0.060+4153%0.080+3104%
Book Value Per Share--9.8159.253+6%9.988-2%10.412-6%8.834+11%
Current Ratio--0.12127.526-100%25.916-100%49.518-100%35.823-100%
Debt To Asset Ratio--0.9300.9340%0.921+1%0.916+2%0.909+2%
Debt To Equity Ratio--11.97814.106-15%11.701+2%11.072+8%10.216+17%
Dividend Per Share---0.161-100%0.194-100%0.162-100%0.134-100%
Eps--0.4060.380+7%0.368+10%0.351+16%0.249+63%
Gross Profit Margin--1.0000.965+4%0.960+4%0.954+5%0.918+9%
Market Cap85148570.300+11%75556851.60074821290.350+1%96183460.173-21%79920495.160-5%71191074.913+6%
Net Profit Margin--0.2230.276-19%1.307-83%0.492-55%0.337-34%
Operating Margin---0.282-100%3.488-100%1.048-100%0.711-100%
Operating Ratio----0.4590%-0.2150%-0.2800%-0.2460%
Pb Ratio1.474+11%1.3081.389-6%1.640-20%1.315-1%1.386-6%
Pe Ratio8.910+11%7.9078.508-7%11.362-30%9.871-20%14.201-44%
Price Per Share14.470+11%12.84012.715+1%16.345-21%13.582-5%12.098+6%
Price To Free Cash Flow Ratio---12.914-100%3.027-100%-2.7770%-2.8770%
Price To Total Gains Ratio5.629+11%4.99568.679-93%-12.291+346%4.743+5%35.067-86%
Quick Ratio---0.11156.612-100%57.134-100%53.038-100%36.191-100%
Return On Assets--0.0030.003+7%0.003+3%0.003+3%0.002+22%
Return On Equity--0.0380.041-9%0.036+4%0.034+10%0.027+38%
Total Gains Per Share--2.5700.077+3253%-0.315+112%0.222+1057%0.214+1099%
Usd Book Value--57755345.00054449772.000+6%58774250.000-2%61272204.400-6%51980852.200+11%
Usd Book Value Change Per Share--2.570-0.084+103%-0.508+120%0.060+4153%0.080+3104%
Usd Book Value Per Share--9.8159.253+6%9.988-2%10.412-6%8.834+11%
Usd Dividend Per Share---0.161-100%0.194-100%0.162-100%0.134-100%
Usd Eps--0.4060.380+7%0.368+10%0.351+16%0.249+63%
Usd Free Cash Flow---1449000.000-100%1992500.000-100%1765650.000-100%1320650.000-100%
Usd Market Cap85148570.300+11%75556851.60074821290.350+1%96183460.173-21%79920495.160-5%71191074.913+6%
Usd Price Per Share14.470+11%12.84012.715+1%16.345-21%13.582-5%12.098+6%
Usd Profit--2389060.0002237265.000+7%2103500.000+14%2078853.000+15%1471551.500+62%
Usd Revenue--10732893.0008273365.500+30%5506500.000+95%6877023.100+56%5809286.550+85%
Usd Total Gains Per Share--2.5700.077+3253%-0.315+112%0.222+1057%0.214+1099%
 EOD+4 -3MRQTTM+21 -10YOY+16 -155Y+15 -1510Y+19 -11

4.2. Fundamental Score

Let's check the fundamental score of United Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-158.910
Price to Book Ratio (EOD)Between0-11.474
Net Profit Margin (MRQ)Greater than00.223
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.111
Current Ratio (MRQ)Greater than10.121
Debt to Asset Ratio (MRQ)Less than10.930
Debt to Equity Ratio (MRQ)Less than111.978
Return on Equity (MRQ)Greater than0.150.038
Return on Assets (MRQ)Greater than0.050.003
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of United Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5070.846
Ma 20Greater thanMa 5012.790
Ma 50Greater thanMa 10012.097
Ma 100Greater thanMa 20011.690
OpenGreater thanClose14.449
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -5,91845-5,87360-5,813-511-6,324345,604339,280
Cash And Cash Equivalents  30,08070,509100,589-18,82681,763-10,87170,892-111,662-40,770
Other Stockholders Equity  21,084-28820,7966820,864-9,90810,956-15,880-4,924
Long-term Assets Other  -5,989-228,070-234,059230,792-3,267-1,827-5,094533,653528,559
Cash and Short Term Investments  4,908247,007251,91565,901317,816-246,92470,892-111,662-40,770



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets819,446
Total Liabilities0
Total Stockholder Equity63,593
 As reported
Total Liabilities 0
Total Stockholder Equity+ 63,593
Total Assets = 819,446

Assets

Total Assets819,446
Total Current Assets44,148
Long-term Assets775,299
Total Current Assets
Cash And Cash Equivalents -40,770
Other Current Assets 44,148
Total Current Assets  (as reported)44,148
Total Current Assets  (calculated)3,377
+/- 40,770
Long-term Assets
Long-term Assets Other 528,559
Long-term Assets  (as reported)775,299
Long-term Assets  (calculated)528,559
+/- 246,740

Liabilities & Shareholders' Equity

Total Current Liabilities366,061
Long-term Liabilities0
Total Stockholder Equity63,593
Total Current Liabilities
Short-term Debt 26,781
Other Current Liabilities 339,280
Total Current Liabilities  (as reported)366,061
Total Current Liabilities  (calculated)366,061
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Common Stock31,977
Retained Earnings 44,018
Accumulated Other Comprehensive Income -7,478
Other Stockholders Equity -4,924
Total Stockholder Equity (as reported)63,593
Total Stockholder Equity (calculated)63,593
+/-0
Other
Cash and Short Term Investments -40,770
Common Stock Shares Outstanding 5,492
Net Debt 67,552
Net Working Capital -321,914
Short Long Term Debt Total 26,781



Balance Sheet

All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-301998-03-311997-12-311997-09-301997-06-301997-03-311996-12-311996-09-301996-06-301996-03-311995-12-311995-09-301995-06-301995-03-311994-12-311994-09-301994-06-301994-03-311993-12-311993-09-301993-06-301993-03-311992-12-311992-09-301992-06-301992-03-31
> Total Assets 
156,200
157,600
162,200
164,700
164,300
164,400
168,900
171,700
174,200
174,700
178,600
185,600
189,000
189,600
194,600
191,200
195,400
192,400
199,500
202,400
204,400
205,600
209,400
211,700
221,500
213,000
264,400
285,500
287,200
287,500
296,000
298,800
300,158
317,452
321,997
323,886
337,060
343,536
337,121
341,317
335,034
337,160
347,026
361,711
374,333
385,185
381,395
385,523
384,411
393,182
384,886
397,522
395,778
403,483
405,694
411,933
419,470
419,318
425,346
421,653
422,131
432,309
442,148
451,370
447,811
426,987
453,179
441,804
444,219
450,839
447,552
445,970
450,261
452,856
442,858
423,435
432,076
419,052
414,089
415,566
430,708
423,775
460,316
438,354
428,073
414,589
400,081
389,042
407,019
399,021
402,813
401,812
416,920
406,737
408,255
405,124
412,461
420,102
425,519
438,018
440,848
448,672
454,511
459,332
488,377
514,801
525,279
593,213
621,008
648,627
675,821
685,706
715,281
701,328
693,504
693,402
733,256
730,335
730,382
724,456
733,399
719,105
760,854
757,400
847,493
830,284
804,321
819,446
819,446804,321830,284847,493757,400760,854719,105733,399724,456730,382730,335733,256693,402693,504701,328715,281685,706675,821648,627621,008593,213525,279514,801488,377459,332454,511448,672440,848438,018425,519420,102412,461405,124408,255406,737416,920401,812402,813399,021407,019389,042400,081414,589428,073438,354460,316423,775430,708415,566414,089419,052432,076423,435442,858452,856450,261445,970447,552450,839444,219441,804453,179426,987447,811451,370442,148432,309422,131421,653425,346419,318419,470411,933405,694403,483395,778397,522384,886393,182384,411385,523381,395385,185374,333361,711347,026337,160335,034341,317337,121343,536337,060323,886321,997317,452300,158298,800296,000287,500287,200285,500264,400213,000221,500211,700209,400205,600204,400202,400199,500192,400195,400191,200194,600189,600189,000185,600178,600174,700174,200171,700168,900164,400164,300164,700162,200157,600156,200
   > Total Current Assets 
14,100
19,000
21,100
23,600
25,700
22,000
25,500
19,900
21,600
7,400
7,300
9,200
9,400
8,100
8,400
8,900
10,300
8,400
13,200
8,000
14,000
9,200
10,200
9,300
15,600
12,400
16,700
18,700
13,500
14,300
13,000
13,400
13,890
14,995
16,442
13,453
11,763
15,359
15,897
12,224
15,073
19,162
13,481
206,908
227,252
217,203
213,306
220,900
225,224
234,681
235,980
236,963
241,687
250,807
254,202
262,102
264,665
266,957
265,283
17,132
15,773
14,655
16,973
15,470
18,633
18,947
138,564
287,460
286,148
316,230
319,322
308,188
326,926
329,429
338,494
308,564
314,946
309,485
316,780
318,890
336,076
342,929
407,418
390,043
384,954
373,005
358,774
350,614
371,125
363,030
366,588
371,877
368,719
356,419
37,010
48,127
36,081
38,478
37,118
52,147
44,491
43,978
44,734
60,267
76,521
92,098
92,901
455,413
467,838
472,964
460,880
482,977
503,225
494,670
520,259
520,200
571,923
571,005
580,166
146
230,557
200,544
250,217
4,908
255,411
321,363
70,892
44,148
44,14870,892321,363255,4114,908250,217200,544230,557146580,166571,005571,923520,200520,259494,670503,225482,977460,880472,964467,838455,41392,90192,09876,52160,26744,73443,97844,49152,14737,11838,47836,08148,12737,010356,419368,719371,877366,588363,030371,125350,614358,774373,005384,954390,043407,418342,929336,076318,890316,780309,485314,946308,564338,494329,429326,926308,188319,322316,230286,148287,460138,56418,94718,63315,47016,97314,65515,77317,132265,283266,957264,665262,102254,202250,807241,687236,963235,980234,681225,224220,900213,306217,203227,252206,90813,48119,16215,07312,22415,89715,35911,76313,45316,44214,99513,89013,40013,00014,30013,50018,70016,70012,40015,6009,30010,2009,20014,0008,00013,2008,40010,3008,9008,4008,1009,4009,2007,3007,40021,60019,90025,50022,00025,70023,60021,10019,00014,100
       Cash And Cash Equivalents 
12,700
17,700
19,800
21,800
24,300
20,800
24,200
19,900
20,200
6,200
5,700
6,700
6,700
5,900
6,000
7,000
7,800
6,200
10,800
6,600
11,300
6,700
7,700
7,800
12,900
9,900
13,500
16,500
9,100
9,300
9,000
11,100
8,235
9,143
10,340
10,694
7,369
10,695
11,782
9,428
10,001
9,790
9,245
8,249
12,025
12,133
8,070
8,387
7,160
10,070
9,099
7,581
7,929
9,221
7,887
13,877
14,879
13,005
12,223
14,554
12,768
11,755
13,386
12,324
15,346
15,956
24,307
12,289
15,793
34,646
32,297
16,271
47,154
41,928
40,968
10,935
18,204
12,940
19,084
15,681
38,144
44,362
102,236
75,108
70,644
58,558
41,218
23,474
40,734
31,017
37,367
39,164
39,230
25,291
24,844
12,701
18,242
9,788
13,247
11,541
16,383
20,784
23,108
14,315
14,771
16,308
12,910
25,253
32,692
25,292
13,347
14,985
28,042
21,647
50,937
51,592
97,051
86,349
91,407
82,999
68,763
16,791
35,297
30,080
100,589
81,763
70,892
-40,770
-40,77070,89281,763100,58930,08035,29716,79168,76382,99991,40786,34997,05151,59250,93721,64728,04214,98513,34725,29232,69225,25312,91016,30814,77114,31523,10820,78416,38311,54113,2479,78818,24212,70124,84425,29139,23039,16437,36731,01740,73423,47441,21858,55870,64475,108102,23644,36238,14415,68119,08412,94018,20410,93540,96841,92847,15416,27132,29734,64615,79312,28924,30715,95615,34612,32413,38611,75512,76814,55412,22313,00514,87913,8777,8879,2217,9297,5819,09910,0707,1608,3878,07012,13312,0258,2499,2459,79010,0019,42811,78210,6957,36910,69410,3409,1438,23511,1009,0009,3009,10016,50013,5009,90012,9007,8007,7006,70011,3006,60010,8006,2007,8007,0006,0005,9006,7006,7005,7006,20020,20019,90024,20020,80024,30021,80019,80017,70012,700
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
13,962
0
0
0
2,040
0
0
0
0
0
0
0
0
0
0
0
3,868
0
0
0
7,737
0
0
0
7,646
0
0
128,779
25,864
133,100
109,918
103,881
17,575
11,272
5,075
4,091
2,564
1,682
94,462
82,363
81,998
80,207
66,300
38,600
34,853
29,646
28,004
27,844
26,564
24,323
24,614
25,018
19,348
37,317
39,565
30,646
34,623
29,670
31,812
31,803
39,766
39,001
38,892
39,129
44,959
71,065
86,212
86,466
123,991
139,318
161,605
200,875
188,785
197,401
191,520
158,244
158,067
146,313
144,392
135,540
146,313
159,497
190,175
211,842
217,624
234,059
236,053
224,679
0
0224,679236,053234,059217,624211,842190,175159,497146,313135,540144,392146,313158,067158,244191,520197,401188,785200,875161,605139,318123,99186,46686,21271,06544,95939,12938,89239,00139,76631,80331,81229,67034,62330,64639,56537,31719,34825,01824,61424,32326,56427,84428,00429,64634,85338,60066,30080,20781,99882,36394,4621,6822,5644,0915,07511,27217,575103,881109,918133,10025,864128,779007,6460007,7370003,868000000000002,04000013,962000000000000000000000000000000000000000
       Net Receivables 
1,400
1,300
1,300
1,800
1,400
1,200
1,300
0
1,400
1,200
1,600
2,500
2,700
2,200
2,400
1,900
2,500
2,200
2,400
1,400
2,700
2,500
2,500
1,500
2,700
2,500
3,200
2,200
4,400
5,000
4,000
2,300
5,655
5,852
6,102
2,759
4,394
4,664
4,115
2,796
5,071
9,371
4,236
2,602
2,347
2,270
2,552
2,374
2,332
2,249
2,434
2,253
2,449
2,180
2,564
2,363
2,738
2,376
3,146
2,578
3,005
2,900
3,587
3,146
3,287
2,991
3,030
3,037
2,741
2,258
2,348
2,218
2,101
1,660
1,845
1,441
1,519
1,484
1,403
1,410
1,256
1,173
1,191
1,076
1,194
1,035
997
1,022
906
861
829
829
784
792
787
803
834
788
787
840
832
761
913
993
1,068
1,275
1,567
1,798
2,104
2,225
2,232
2,697
2,563
4,247
3,070
2,901
2,581
2,624
2,206
2,345
2,297
2,638
3,078
3,403
3,496
3,547
3,724
0
03,7243,5473,4963,4033,0782,6382,2972,3452,2062,6242,5812,9013,0704,2472,5632,6972,2322,2252,1041,7981,5671,2751,0689939137618328407877888348037877927848298298619061,0229971,0351,1941,0761,1911,1731,2561,4101,4031,4841,5191,4411,8451,6602,1012,2182,3482,2582,7413,0373,0302,9913,2873,1463,5872,9003,0052,5783,1462,3762,7382,3632,5642,1802,4492,2532,4342,2492,3322,3742,5522,2702,3472,6024,2369,3715,0712,7964,1154,6644,3942,7596,1025,8525,6552,3004,0005,0004,4002,2003,2002,5002,7001,5002,5002,5002,7001,4002,4002,2002,5001,9002,4002,2002,7002,5001,6001,2001,40001,3001,2001,4001,8001,3001,3001,400
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
196,057
212,881
202,800
202,684
210,140
215,732
222,362
224,447
227,129
231,309
239,406
243,751
245,862
247,048
251,576
249,914
0
0
0
0
0
0
0
0
272,134
267,614
279,326
284,677
272,124
266,399
280,766
291,590
293,624
293,541
295,061
296,293
301,799
296,676
297,394
303,991
279,006
283,470
285,408
288,715
299,554
305,162
306,538
303,374
312,536
291,388
290,771
0
4,503
0
0
0
3,640
832
761
913
4,493
1,068
1,275
1,567
304,371
293,724
283,842
244,426
276,510
275,219
277,256
308,008
307,640
325,978
337,640
351,013
2,345
2,297
2,638
38,612
37,002
107,604
88,785
78,096
44,148
44,14878,09688,785107,60437,00238,6122,6382,2972,345351,013337,640325,978307,640308,008277,256275,219276,510244,426283,842293,724304,3711,5671,2751,0684,4939137618323,6400004,5030290,771291,388312,536303,374306,538305,162299,554288,715285,408283,470279,006303,991297,394296,676301,799296,293295,061293,541293,624291,590280,766266,399272,124284,677279,326267,614272,13400000000249,914251,576247,048245,862243,751239,406231,309227,129224,447222,362215,732210,140202,684202,800212,881196,0570000000000000000000000000000000000000000000
   > Long-term Assets 
63,600
58,300
60,700
61,500
58,700
60,300
60,300
63,400
63,300
67,300
65,200
69,400
69,200
67,100
65,900
61,400
62,800
59,800
60,800
63,100
60,300
62,900
64,100
64,400
66,400
63,300
86,500
104,700
115,600
109,100
108,000
104,200
104,770
100,589
111,949
114,762
136,322
143,079
139,420
133,507
132,684
129,111
136,497
154,803
147,081
167,982
168,089
164,623
159,187
158,501
148,906
160,559
154,091
152,676
151,493
149,831
154,805
152,361
160,063
158,939
165,009
175,128
183,215
188,543
182,189
160,360
7,804
154,344
158,071
134,609
128,230
137,782
123,335
123,427
104,364
114,871
117,130
109,567
97,309
96,676
94,632
80,846
52,898
48,311
43,119
41,584
41,307
38,428
35,894
35,991
36,225
29,935
48,201
50,318
10,921
45,069
11,349
12,071
12,418
51,650
12,777
12,514
12,690
56,699
12,185
12,312
12,496
137,800
153,170
175,663
214,941
202,729
212,056
206,658
173,245
173,202
161,333
159,330
150,216
1,242
173,442
13,754
225,275
230,860
15,862
249,231
237,994
775,299
775,299237,994249,23115,862230,860225,27513,754173,4421,242150,216159,330161,333173,202173,245206,658212,056202,729214,941175,663153,170137,80012,49612,31212,18556,69912,69012,51412,77751,65012,41812,07111,34945,06910,92150,31848,20129,93536,22535,99135,89438,42841,30741,58443,11948,31152,89880,84694,63296,67697,309109,567117,130114,871104,364123,427123,335137,782128,230134,609158,071154,3447,804160,360182,189188,543183,215175,128165,009158,939160,063152,361154,805149,831151,493152,676154,091160,559148,906158,501159,187164,623168,089167,982147,081154,803136,497129,111132,684133,507139,420143,079136,322114,762111,949100,589104,770104,200108,000109,100115,600104,70086,50063,30066,40064,40064,10062,90060,30063,10060,80059,80062,80061,40065,90067,10069,20069,40065,20067,30063,30063,40060,30060,30058,70061,50060,70058,30063,600
       Property Plant Equipment 
4,700
4,700
4,600
4,800
4,800
4,800
4,900
4,800
4,800
4,800
4,700
4,900
4,800
4,800
4,800
4,900
5,400
5,300
5,300
5,200
5,200
5,300
5,200
5,200
5,200
5,200
6,500
7,000
7,100
7,800
8,100
9,000
9,497
9,695
9,552
9,521
9,630
9,440
9,266
9,084
8,895
8,836
9,096
8,933
8,775
8,563
8,339
8,152
8,054
7,994
7,906
7,760
7,637
7,514
7,476
7,605
7,520
7,398
7,340
7,261
7,195
7,095
7,082
7,077
7,083
7,130
7,054
8,466
8,538
8,710
8,594
8,689
8,637
8,443
8,267
9,278
9,707
10,072
9,938
9,804
9,840
10,486
10,453
10,385
10,915
11,046
10,954
10,723
10,580
10,416
10,276
10,071
10,612
10,511
10,405
10,446
10,844
11,457
11,804
11,884
11,932
11,860
11,867
11,740
11,914
11,817
11,645
12,117
12,197
12,441
12,487
12,402
13,150
13,671
13,572
13,743
13,665
13,621
13,397
12,757
12,741
12,587
12,304
12,144
12,184
12,161
12,336
0
012,33612,16112,18412,14412,30412,58712,74112,75713,39713,62113,66513,74313,57213,67113,15012,40212,48712,44112,19712,11711,64511,81711,91411,74011,86711,86011,93211,88411,80411,45710,84410,44610,40510,51110,61210,07110,27610,41610,58010,72310,95411,04610,91510,38510,45310,4869,8409,8049,93810,0729,7079,2788,2678,4438,6378,6898,5948,7108,5388,4667,0547,1307,0837,0777,0827,0957,1957,2617,3407,3987,5207,6057,4767,5147,6377,7607,9067,9948,0548,1528,3398,5638,7758,9339,0968,8368,8959,0849,2669,4409,6309,5219,5529,6959,4979,0008,1007,8007,1007,0006,5005,2005,2005,2005,2005,3005,2005,2005,3005,3005,4004,9004,8004,8004,8004,9004,7004,8004,8004,8004,9004,8004,8004,8004,6004,7004,700
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
75
66
61
57
57
48
43
39
34
25
25
21
18
17
12
8
0
0
0
0
0
0
0
0
775
737
707
682
656
631
602
572
543
513
483
453
424
394
364
334
305
275
245
215
186
156
126
96
66
37
7
0
0
0
0
0
0
0
0
0
0
0
0
0
1,692
1,655
1,617
1,579
1,542
1,505
1,467
682
682
682
682
682
682
682
682
682
682
682
682
682
0
06826826826826826826826826826826826826821,4671,5051,5421,5791,6171,6551,692000000000000073766961261561862152452753053343643944244534835135435726026316566827077377750000000081217182125253439434857576166750000000000000000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
279,103
280,411
285,976
280,229
280,537
287,060
296,542
294,868
295,093
297,438
307,563
310,918
313,100
310,555
313,804
310,223
309,460
323,833
327,226
333,089
346,357
348,188
354,380
352,422
355,277
358,194
366,467
368,360
377,433
391,178
407,640
411,813
423,291
620,019
628,102
643,030
191,520
596,292
158,067
591,540
144,392
135,540
146,313
459,119
654,911
211,842
458,823
234,059
236,053
224,679
0
0224,679236,053234,059458,823211,842654,911459,119146,313135,540144,392591,540158,067596,292191,520643,030628,102620,019423,291411,813407,640391,178377,433368,360366,467358,194355,277352,422354,380348,188346,357333,089327,226323,833309,460310,223313,804310,555313,100310,918307,563297,438295,093294,868296,542287,060280,537280,229285,976280,411279,10300000000000000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
122
0
0
0
100
0
0
0
75
75
61
57
57
48
43
39
34
25
25
21
18
17
12
8
0
406
424
435
444
444
426
418
775
737
707
682
656
631
602
572
543
513
483
453
424
394
364
334
305
275
245
215
186
156
126
96
66
37
7
63
60
60
0
0
812
46
0
0
0
0
0
0
1,692
1,655
1,617
1,579
1,542
1,505
1,467
747
710
673
635
597
560
522
485
447
410
372
335
297
0
02973353724104474855225605976356737107471,4671,5051,5421,5791,6171,6551,692000000468120060606373766961261561862152452753053343643944244534835135435726026316566827077377754184264444444354244060812171821252534394348575761757500010000012200000000000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
170,816
170,801
212,995
202,085
216,991
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000216,991202,085212,995170,801170,816000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Assets 
78,500
80,300
80,400
79,600
79,900
82,100
83,100
88,400
89,300
100,000
106,100
107,000
110,400
114,400
120,300
120,900
122,300
124,200
125,500
131,300
130,100
133,500
135,100
138,000
139,500
137,300
161,200
162,100
158,100
164,100
175,000
181,200
181,498
201,868
193,606
195,671
188,974
185,098
181,804
195,586
187,278
188,887
197,049
516,514
521,415
553,167
549,484
550,145
543,598
551,683
533,791
558,080
549,869
556,158
557,187
561,764
574,275
571,679
585,409
245,582
241,349
242,526
241,960
247,357
246,989
247,680
306,811
596,148
602,290
585,448
575,782
583,752
573,596
576,283
547,222
538,306
549,206
528,619
511,398
512,242
525,340
504,621
513,214
486,665
471,192
456,173
441,388
427,470
442,913
435,012
439,038
431,747
465,121
457,055
360,324
311,928
365,031
369,553
375,983
334,221
383,580
392,180
397,087
342,366
399,671
410,391
419,882
731,013
774,178
824,290
890,762
888,435
927,337
907,986
866,749
866,604
894,589
889,665
880,598
723,068
329,400
504,807
285,362
521,632
576,220
259,690
495,435
0
0495,435259,690576,220521,632285,362504,807329,400723,068880,598889,665894,589866,604866,749907,986927,337888,435890,762824,290774,178731,013419,882410,391399,671342,366397,087392,180383,580334,221375,983369,553365,031311,928360,324457,055465,121431,747439,038435,012442,913427,470441,388456,173471,192486,665513,214504,621525,340512,242511,398528,619549,206538,306547,222576,283573,596583,752575,782585,448602,290596,148306,811247,680246,989247,357241,960242,526241,349245,582585,409571,679574,275561,764557,187556,158549,869558,080533,791551,683543,598550,145549,484553,167521,415516,514197,049188,887187,278195,586181,804185,098188,974195,671193,606201,868181,498181,200175,000164,100158,100162,100161,200137,300139,500138,000135,100133,500130,100131,300125,500124,200122,300120,900120,300114,400110,400107,000106,100100,00089,30088,40083,10082,10079,90079,60080,40080,30078,500
> Total Liabilities 
143,000
144,100
148,400
4,400
150,000
149,600
153,900
1,600
158,500
158,700
162,500
500
172,000
172,100
176,700
172,700
176,600
173,400
180,100
182,400
184,100
184,600
188,000
189,800
199,100
190,100
237,200
258,200
260,200
261,700
270,300
273,500
274,463
291,739
295,574
295,207
307,124
313,705
306,049
310,843
306,191
306,093
315,176
329,556
342,608
352,331
349,745
353,009
351,070
362,431
351,355
364,697
363,822
369,682
371,790
379,453
387,380
388,898
392,938
389,073
389,358
401,702
410,032
417,483
413,635
394,517
420,904
407,900
410,153
417,250
412,506
410,759
414,223
416,515
406,225
387,854
396,325
382,698
377,446
379,384
394,524
387,392
423,795
401,728
391,338
378,165
362,967
350,171
367,843
359,280
362,671
361,422
376,196
365,683
366,688
363,628
370,539
377,746
382,745
395,377
397,729
405,019
410,395
415,437
444,093
469,816
480,167
542,570
567,222
591,647
615,766
625,784
652,333
635,343
626,813
625,074
666,534
660,959
660,328
652,755
669,498
660,792
707,708
697,663
788,488
771,875
761,691
0
0761,691771,875788,488697,663707,708660,792669,498652,755660,328660,959666,534625,074626,813635,343652,333625,784615,766591,647567,222542,570480,167469,816444,093415,437410,395405,019397,729395,377382,745377,746370,539363,628366,688365,683376,196361,422362,671359,280367,843350,171362,967378,165391,338401,728423,795387,392394,524379,384377,446382,698396,325387,854406,225416,515414,223410,759412,506417,250410,153407,900420,904394,517413,635417,483410,032401,702389,358389,073392,938388,898387,380379,453371,790369,682363,822364,697351,355362,431351,070353,009349,745352,331342,608329,556315,176306,093306,191310,843306,049313,705307,124295,207295,574291,739274,463273,500270,300261,700260,200258,200237,200190,100199,100189,800188,000184,600184,100182,400180,100173,400176,600172,700176,700172,100172,000500162,500158,700158,5001,600153,900149,600150,0004,400148,400144,100143,000
   > Total Current Liabilities 
800
800
800
4,400
700
700
700
1,600
700
700
700
500
700
700
700
100
8,100
5,200
6,800
0
0
0
0
3,100
8,600
0
5,100
9,200
0
0
25,000
29,700
9,023
26,355
30,158
0
0
0
0
0
0
0
0
16,337
0
0
0
15,283
0
0
0
34,640
0
0
0
35,000
383,400
51,389
40,368
385,100
385,400
397,700
406,000
19,609
9,037
6,586
8,098
13,110
12,428
11,021
13,231
10,277
13,997
11,213
15,074
11,843
15,687
12,320
13,358
9,968
13,247
10,933
13,706
14,873
18,857
15,899
14,337
8,539
12,452
8,763
11,287
7,898
14,393
11,482
12,780
9,352
15,293
13,394
16,904
3,202
2,910
3,704
3,975
4,240
12,137
3,944
4,174
4,610
10,139
7,017
6,369
5,721
7,670
6,315
7,300
7,045
6,084
8,848
9,890
6,572
10,573
5,311
5,783
5,918
5,873
5,813
6,324
366,061
366,0616,3245,8135,8735,9185,7835,31110,5736,5729,8908,8486,0847,0457,3006,3157,6705,7216,3697,01710,1394,6104,1743,94412,1374,2403,9753,7042,9103,20216,90413,39415,2939,35212,78011,48214,3937,89811,2878,76312,4528,53914,33715,89918,85714,87313,70610,93313,2479,96813,35812,32015,68711,84315,07411,21313,99710,27713,23111,02112,42813,1108,0986,5869,03719,609406,000397,700385,400385,10040,36851,389383,40035,00000034,64000015,28300016,3370000000030,15826,3559,02329,70025,000009,2005,10008,6003,10000006,8005,2008,1001007007007005007007007001,6007007007004,400800800800
       Short-term Debt 
0
0
0
3,700
0
0
0
900
0
0
0
500
0
0
0
100
8,100
5,200
6,800
0
0
0
0
3,100
8,600
0
5,100
9,200
0
0
25,000
29,700
9,023
26,355
30,158
0
0
0
0
0
0
0
0
16,337
16,337
0
0
15,283
0
0
0
34,640
0
0
0
35,000
0
51,389
40,368
0
0
0
0
19,609
9,037
6,586
8,098
7,809
12,428
11,021
13,231
10,277
13,997
11,213
15,074
11,843
15,687
12,320
13,358
9,968
13,247
10,933
13,706
10,681
15,142
12,228
10,529
5,746
9,589
6,577
9,134
5,098
12,113
9,028
10,244
5,691
12,157
10,065
13,554
39,855
15,317
10,287
5,257
10,022
8,195
33,768
22,139
106
80
2
20,800
39,800
51,000
0
0
0
0
0
0
0
0
0
28,113
18,106
30,509
23,690
28,584
26,781
26,78128,58423,69030,50918,10628,11300000000051,00039,80020,80028010622,13933,7688,19510,0225,25710,28715,31739,85513,55410,06512,1575,69110,2449,02812,1135,0989,1346,5779,5895,74610,52912,22815,14210,68113,70610,93313,2479,96813,35812,32015,68711,84315,07411,21313,99710,27713,23111,02112,4287,8098,0986,5869,03719,609000040,36851,389035,00000034,64000015,2830016,33716,3370000000030,15826,3559,02329,70025,000009,2005,10008,6003,10000006,8005,2008,1001000005000009000003,700000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
35,941
0
0
0
36,345
0
0
0
53,372
30,884
27,400
25,569
97
27,902
50,238
37,538
46
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000004637,53850,23827,9029725,56927,40030,88453,37200036,34500035,9410000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
800
800
800
700
700
700
700
700
700
700
700
0
700
700
700
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
251,583
257,993
258,037
267,553
267,280
270,959
283,594
283,376
286,821
288,497
290,501
300,202
299,161
305,548
306,827
304,527
302,802
300,346
294,614
300,630
300,740
314,377
315,130
306,915
314,140
321,525
337,302
330,005
337,971
346,137
349,687
330,488
335,266
321,916
350,002
5,301
346,743
344,910
341,411
344,543
344,988
343,962
340,429
325,446
330,850
325,303
323,679
328,540
341,254
336,115
369,984
4,192
3,715
3,671
3,808
2,793
2,863
2,186
2,153
2,800
2,280
2,454
2,536
3,661
3,136
3,329
3,350
3,202
2,910
3,704
3,975
4,240
12,137
3,944
4,174
4,610
10,139
7,017
6,369
5,721
7,670
6,315
7,300
7,045
6,084
8,848
9,890
6,572
10,573
5,311
5,783
5,918
5,873
5,813
6,324
0
06,3245,8135,8735,9185,7835,31110,5736,5729,8908,8486,0847,0457,3006,3157,6705,7216,3697,01710,1394,6104,1743,94412,1374,2403,9753,7042,9103,2023,3503,3293,1363,6612,5362,4542,2802,8002,1532,1862,8632,7933,8083,6713,7154,192369,984336,115341,254328,540323,679325,303330,850325,446340,429343,962344,988344,543341,411344,910346,7435,301350,002321,916335,266330,488349,687346,137337,971330,005337,302321,525314,140306,915315,130314,377300,740300,630294,614300,346302,802304,527306,827305,548299,161300,202290,501288,497286,821283,376283,594270,959267,280267,553258,037257,993251,583000000000000000007007007000700700700700700700700700800800800
       Other Current Liabilities 
-800
-800
-800
-4,400
-700
-700
-700
-1,600
-700
-700
-700
-500
-700
-700
-700
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
325,303
323,679
328,540
341,254
336,115
369,984
350,416
336,132
326,012
317,484
310,641
324,365
319,553
320,480
322,681
331,001
323,442
323,197
323,622
324,632
326,979
328,112
-3,202
-2,910
-3,704
-3,975
-4,240
-12,137
-3,944
-4,174
-4,610
-10,139
-7,017
-6,369
-5,721
-7,670
-6,315
-7,300
-7,045
-6,084
-8,848
-9,890
-6,572
-10,573
-5,311
-5,783
-5,918
-5,873
-5,813
-6,324
339,280
339,280-6,324-5,813-5,873-5,918-5,783-5,311-10,573-6,572-9,890-8,848-6,084-7,045-7,300-6,315-7,670-5,721-6,369-7,017-10,139-4,610-4,174-3,944-12,137-4,240-3,975-3,704-2,910-3,202328,112326,979324,632323,622323,197323,442331,001322,681320,480319,553324,365310,641317,484326,012336,132350,416369,984336,115341,254328,540323,679325,30300000000000000000000000000000000000000000000000000000000000000-700-700-700-500-700-700-700-1,600-700-700-700-4,400-800-800-800
   > Long-term Liabilities 
200
900
1,000
0
3,000
2,500
3,300
0
2,700
2,400
4,500
0
3,200
5,700
8,400
100
200
600
700
700
900
4,000
3,500
1,200
0
5,800
0
10,500
20,000
24,500
2,700
6,700
6,507
6,156
6,026
21,248
28,823
33,956
10,974
18,299
12,090
8,938
15,662
1,010
16,462
16,870
25,716
25,565
25,656
41,852
42,458
12,439
42,387
35,472
37,331
16,334
48,801
4,000
4,000
4,000
37,833
37,671
37,801
4,000
4,000
4,000
59,871
4,000
47,590
53,447
53,245
53,128
53,046
52,948
47,824
47,450
47,329
42,208
37,631
36,951
36,844
36,742
36,625
36,439
36,349
36,254
31,146
30,991
31,026
30,964
30,904
30,843
30,802
30,759
30,711
30,654
30,614
37,373
37,729
43,979
19,441
14,411
9,381
14,146
12,319
37,892
26,263
4,449
4,711
23,522
46,346
65,079
74,558
25,807
25,630
25,789
25,248
23,634
23,650
25,346
23,680
5,311
5,783
5,918
5,873
98,756
98,771
0
098,77198,7565,8735,9185,7835,31123,68025,34623,65023,63425,24825,78925,63025,80774,55865,07946,34623,5224,7114,44926,26337,89212,31914,1469,38114,41119,44143,97937,72937,37330,61430,65430,71130,75930,80230,84330,90430,96431,02630,99131,14636,25436,34936,43936,62536,74236,84436,95137,63142,20847,32947,45047,82452,94853,04653,12853,24553,44747,5904,00059,8714,0004,0004,00037,80137,67137,8334,0004,0004,00048,80116,33437,33135,47242,38712,43942,45841,85225,65625,56525,71616,87016,4621,01015,6628,93812,09018,29910,97433,95628,82321,2486,0266,1566,5076,7002,70024,50020,00010,50005,80001,2003,5004,0009007007006002001008,4005,7003,20004,5002,4002,70003,3002,5003,00001,000900200
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,000
4,000
4,000
4,000
4,000
4,000
4,000
4,000
4,000
4,000
4,000
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
4,124
23,520
23,528
23,543
23,558
23,574
23,589
0
23,619
23,634
0
0
23,680
23,695
23,711
23,726
23,741
23,756
0
0
0023,75623,74123,72623,71123,69523,6800023,63423,619023,58923,57423,55823,54323,52823,5204,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,1244,0004,0004,0004,0004,0004,0004,0004,0004,0004,0004,00000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,233
1,235
1,353
1,545
1,461
1,073
1,483
1,241
982
1,221
1,480
2,942
6,687
11,766
1,566
2,149
10,126
839
1,947
1,196
4,579
2,114
3,289
1,517
5,199
2,445
6,185
4,715
2,541
1,901
2,610
4,460
6,082
2,525
2,933
5,301
3,392
7,872
4,619
2,811
2,363
8,589
3,138
3,115
2,459
2,867
2,778
3,925
3,179
3,602
3,480
4,192
3,715
3,671
3,808
2,793
2,863
2,186
6,277
2,800
2,280
2,454
2,536
3,661
3,136
3,330
3,350
3,202
2,910
3,704
3,975
4,240
12,138
3,822
4,028
4,641
10,343
6,843
8,182
7,244
6,966
8,169
8,681
9,006
1,629
8,616
9,366
31,918
10,102
9,436
9,907
5,614
0
0
0
0
00005,6149,9079,43610,10231,9189,3668,6161,6299,0068,6818,1696,9667,2448,1826,84310,3434,6414,0283,82212,1384,2403,9753,7042,9103,2023,3503,3303,1363,6612,5362,4542,2802,8006,2772,1862,8632,7933,8083,6713,7154,1923,4803,6023,1793,9252,7782,8672,4593,1153,1388,5892,3632,8114,6197,8723,3925,3012,9332,5256,0824,4602,6101,9012,5414,7156,1852,4455,1991,5173,2892,1144,5791,1961,94783910,1262,1491,56611,7666,6872,9421,4801,2219821,2411,4831,0731,4611,5451,3531,2351,23300000000000000000000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
219
507
0
2,018
1,736
0
2,233
2,041
0
1,629
0
0
0
0
0
0
0
0
0
0
0
000000000001,62902,0412,23301,7362,018050721900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
13,200
13,500
13,800
14,100
14,300
14,800
15,000
15,400
15,700
16,000
16,100
16,500
17,000
17,500
17,900
18,500
18,800
19,000
19,400
20,000
20,300
21,000
21,400
21,900
22,400
22,900
27,200
27,300
27,000
25,800
25,700
25,300
25,695
25,713
26,423
28,679
29,935
29,831
31,072
30,474
28,843
31,067
31,851
32,155
31,725
32,854
31,651
32,514
33,341
30,751
33,531
32,824
31,956
33,801
33,904
32,480
32,090
30,420
32,408
32,580
32,773
30,607
32,116
33,887
34,176
32,470
32,275
33,904
34,066
33,589
35,046
35,211
36,038
36,341
36,633
35,581
35,751
36,354
36,643
36,182
36,184
36,383
36,521
36,626
36,735
36,424
37,114
38,871
39,176
39,741
40,142
40,390
40,724
41,054
41,567
41,496
41,922
42,356
42,774
42,641
43,119
43,653
44,116
43,895
44,284
44,985
45,112
50,643
53,786
56,980
60,055
59,922
62,948
65,985
66,691
68,328
66,722
69,376
70,054
71,701
63,901
58,313
53,146
59,737
59,005
58,409
42,629
63,593
63,59342,62958,40959,00559,73753,14658,31363,90171,70170,05469,37666,72268,32866,69165,98562,94859,92260,05556,98053,78650,64345,11244,98544,28443,89544,11643,65343,11942,64142,77442,35641,92241,49641,56741,05440,72440,39040,14239,74139,17638,87137,11436,42436,73536,62636,52136,38336,18436,18236,64336,35435,75135,58136,63336,34136,03835,21135,04633,58934,06633,90432,27532,47034,17633,88732,11630,60732,77332,58032,40830,42032,09032,48033,90433,80131,95632,82433,53130,75133,34132,51431,65132,85431,72532,15531,85131,06728,84330,47431,07229,83129,93528,67926,42325,71325,69525,30025,70025,80027,00027,30027,20022,90022,40021,90021,40021,00020,30020,00019,40019,00018,80018,50017,90017,50017,00016,50016,10016,00015,70015,40015,00014,80014,30014,10013,80013,50013,200
   Common Stock
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,800
2,900
2,943
2,948
2,948
3,095
3,095
3,095
3,095
3,249
3,249
3,249
3,249
3,411
3,411
3,411
3,411
3,752
3,752
3,752
3,752
4,127
4,160
4,182
4,189
4,615
4,624
4,638
4,654
5,132
5,144
5,156
5,165
5,179
5,190
5,190
5,190
5,190
5,190
5,190
5,360
5,370
5,370
5,370
5,370
5,370
5,370
5,370
5,370
5,360
5,360
5,375
5,375
5,375
5,375
5,375
5,375
5,375
5,385
5,385
5,385
5,385
5,385
5,385
5,385
5,385
5,385
5,385
5,425
5,425
5,425
5,430
5,435
5,435
5,560
5,560
5,560
5,927
5,927
5,939
5,959
5,959
5,969
5,966
5,976
6,046
6,046
6,046
6,056
6,054
6,054
6,044
6,044
6,044
6,044
6,044
6,064
31,977
31,9776,0646,0446,0446,0446,0446,0446,0546,0546,0566,0466,0466,0465,9765,9665,9695,9595,9595,9395,9275,9275,5605,5605,5605,4355,4355,4305,4255,4255,4255,3855,3855,3855,3855,3855,3855,3855,3855,3855,3855,3755,3755,3755,3755,3755,3755,3755,3605,3605,3705,3705,3705,3705,3705,3705,3705,3705,3605,1905,1905,1905,1905,1905,1905,1795,1655,1565,1445,1324,6544,6384,6244,6154,1894,1824,1604,1273,7523,7523,7523,7523,4113,4113,4113,4113,2493,2493,2493,2493,0953,0953,0953,0952,9482,9482,9432,9002,800000000000000000000000000000000
   Retained Earnings 
6,800
7,100
7,000
7,200
7,500
7,900
8,200
7,600
7,900
8,300
5,100
5,500
5,800
6,100
6,600
6,900
7,400
5,300
5,700
6,100
6,600
7,000
3,400
4,100
4,500
2,000
8,600
6,800
7,300
7,600
8,000
6,500
6,736
7,060
7,343
5,852
6,063
6,407
6,683
5,045
5,315
5,711
6,042
4,473
4,856
5,264
5,738
6,048
6,445
6,862
7,302
7,021
7,339
7,713
8,034
7,776
7,878
7,582
7,383
6,962
7,026
7,139
6,875
7,112
7,010
8,062
8,958
9,856
10,657
11,329
12,086
12,761
13,447
14,144
14,855
15,308
16,046
16,798
17,599
18,399
18,411
18,390
18,464
18,544
18,633
18,727
19,430
19,600
19,655
19,940
20,229
20,478
20,687
21,008
21,384
21,443
21,749
22,118
22,450
22,483
22,737
23,055
23,404
23,260
23,735
24,177
24,795
24,321
25,153
26,002
26,969
27,905
28,644
29,479
30,697
32,497
32,958
34,277
36,286
37,847
37,815
39,169
40,585
41,945
39,895
41,223
42,629
44,018
44,01842,62941,22339,89541,94540,58539,16937,81537,84736,28634,27732,95832,49730,69729,47928,64427,90526,96926,00225,15324,32124,79524,17723,73523,26023,40423,05522,73722,48322,45022,11821,74921,44321,38421,00820,68720,47820,22919,94019,65519,60019,43018,72718,63318,54418,46418,39018,41118,39917,59916,79816,04615,30814,85514,14413,44712,76112,08611,32910,6579,8568,9588,0627,0107,1126,8757,1397,0266,9627,3837,5827,8787,7768,0347,7137,3397,0217,3026,8626,4456,0485,7385,2644,8564,4736,0425,7115,3155,0456,6836,4076,0635,8527,3437,0606,7366,5008,0007,6007,3006,8008,6002,0004,5004,1003,4007,0006,6006,1005,7005,3007,4006,9006,6006,1005,8005,5005,1008,3007,9007,6008,2007,9007,5007,2007,0007,1006,800
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,687
18,019
17,391
17,478
17,468
17,573
17,425
17,519
17,593
17,656
17,750
17,800
17,899
17,953
18,044
18,097
18,104
18,107
18,245
18,185
18,021
18,074
18,024
18,030
17,924
17,983
18,020
17,819
17,927
18,052
22,556
22,826
22,517
22,632
22,871
22,797
22,845
23,060
0
23,174
23,368
0
0
24,457
24,528
24,723
24,814
25,172
25,328
0
0
0025,32825,17224,81424,72324,52824,4570023,36823,174023,06022,84522,79722,87122,63222,51722,82622,55618,05217,92717,81918,02017,98317,92418,03018,02418,07418,02118,18518,24518,10718,10418,09718,04417,95317,89917,80017,75017,65617,59317,51917,42517,57317,46817,47817,39118,01918,68700000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00-2,561-2,561-1,828-1,828-1,828-1,82800-989-9890-988-988-988-462-462-462-313-46-46-46-46-46-46-46-46-46-46-46-46-46-63-63-63-63-87-87-87-101-100-101-30-30-38-38-38-111-111-176-2,573-2,866-3,054-3,287-3,566-3,765-4,129-4,235-4,342-4,404-4,590-5,944-4,859-4,901-4,875-4,730-4,385-4,130-4,223-4,224-3,855-3,746-3,053-3,053-3,053-2,768-2,440-2,440-2,440-2,116-2,116-2,116-2,116-1,772-1,436-1,435-1,049-865-865-789-631-284-1530000000000000000000000000000000000
   Other Stockholders Equity 
6,400
6,400
6,800
6,900
6,800
6,900
6,800
7,700
7,700
7,700
11,200
11,200
11,200
11,200
11,200
11,300
11,200
13,700
13,700
13,800
13,700
13,800
17,800
17,600
17,700
20,800
18,200
20,600
20,600
20,600
14,900
15,900
16,016
15,705
16,132
19,732
20,778
20,329
21,294
22,180
20,278
22,106
22,559
23,307
23,504
23,528
23,557
23,597
23,308
23,328
23,354
23,064
23,037
23,260
23,379
26,590
26,592
26,398
26,575
26,683
26,528
26,333
26,294
26,078
25,692
25,197
24,667
23,970
19,271
18,679
17,902
17,587
17,054
16,609
16,108
15,610
15,099
14,573
13,974
13,343
13,499
13,593
13,697
13,794
13,888
13,903
13,996
14,087
14,184
14,271
14,357
14,470
14,571
14,656
14,741
14,849
14,938
15,026
15,078
15,187
15,256
15,374
15,491
15,620
15,616
15,759
15,910
20,405
20,246
20,234
20,367
20,522
20,138
20,206
20,405
20,502
20,605
20,708
20,802
69
20,816
20,910
20,997
21,084
20,796
20,864
10,956
-4,924
-4,92410,95620,86420,79621,08420,99720,91020,8166920,80220,70820,60520,50220,40520,20620,13820,52220,36720,23420,24620,40515,91015,75915,61615,62015,49115,37415,25615,18715,07815,02614,93814,84914,74114,65614,57114,47014,35714,27114,18414,08713,99613,90313,88813,79413,69713,59313,49913,34313,97414,57315,09915,61016,10816,60917,05417,58717,90218,67919,27123,97024,66725,19725,69226,07826,29426,33326,52826,68326,57526,39826,59226,59023,37923,26023,03723,06423,35423,32823,30823,59723,55723,52823,50423,30722,55922,10620,27822,18021,29420,32920,77819,73216,13215,70516,01615,90014,90020,60020,60020,60018,20020,80017,70017,60017,80013,80013,70013,80013,70013,70011,20011,30011,20011,20011,20011,20011,2007,7007,7007,7006,8006,9006,8006,9006,8006,4006,400



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue40,903
Cost of Revenue-0
Gross Profit40,90340,903
 
Operating Income (+$)
Gross Profit40,903
Operating Expense-0
Operating Income40,90340,903
 
Operating Expense (+$)
Research Development0
Selling General Administrative11,624
Selling And Marketing Expenses0
Operating Expense011,624
 
Net Interest Income (+$)
Interest Income34,862
Interest Expense-9,192
Other Finance Cost-0
Net Interest Income25,670
 
Pretax Income (+$)
Operating Income40,903
Net Interest Income25,670
Other Non-Operating Income Expenses0
Income Before Tax (EBT)9,49131,412
EBIT - interestExpense = -9,192
9,491
18,142
Interest Expense9,192
Earnings Before Interest and Taxes (EBIT)018,683
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax9,491
Tax Provision-572
Net Income From Continuing Ops8,8668,919
Net Income8,950
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses31,412
Total Other Income/Expenses Net9,491-25,670
 

Technical Analysis of United Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of United Bancorp Inc. The general trend of United Bancorp Inc is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine United Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of United Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 15.52 < 15.98 < 16.31.

The bearish price targets are: 14.15 > 14.12 > 12.63.

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United Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of United Bancorp Inc. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

United Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of United Bancorp Inc. The current macd is 0.7978994.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the United Bancorp Inc price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for United Bancorp Inc. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the United Bancorp Inc price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
United Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartUnited Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of United Bancorp Inc. The current adx is 42.41.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy United Bancorp Inc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
United Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of United Bancorp Inc. The current sar is 13.37.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
United Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of United Bancorp Inc. The current rsi is 70.85. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -2/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending down: The RSI is trending down. -1
United Bancorp Inc Daily Relative Strength Index (RSI) ChartUnited Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of United Bancorp Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the United Bancorp Inc price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
United Bancorp Inc Daily Stochastic Oscillator ChartUnited Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of United Bancorp Inc. The current cci is 116.67.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
United Bancorp Inc Daily Commodity Channel Index (CCI) ChartUnited Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of United Bancorp Inc. The current cmo is 39.99.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
United Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartUnited Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of United Bancorp Inc. The current willr is -26.06605087.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that United Bancorp Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
United Bancorp Inc Daily Williams %R ChartUnited Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of United Bancorp Inc.

United Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of United Bancorp Inc. The current atr is 0.64548369.

United Bancorp Inc Daily Average True Range (ATR) ChartUnited Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of United Bancorp Inc. The current obv is 135,427.

United Bancorp Inc Daily On-Balance Volume (OBV) ChartUnited Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of United Bancorp Inc. The current mfi is 77.54.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
United Bancorp Inc Daily Money Flow Index (MFI) ChartUnited Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for United Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-08SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-09CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-15SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-17SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-20SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-11-21SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-11-28STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-29STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-04CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-11STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-12CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-13STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-14STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-19MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-20ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-28RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-29SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-02STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-03MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-05CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-09WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-19CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-24SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-02DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-06STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-09STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-12STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-02-20DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-23MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-26CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-28STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-01DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-07ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-18CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-25ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-26STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside

6.3. Candlestick Patterns

United Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of United Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5070.846
Ma 20Greater thanMa 5012.790
Ma 50Greater thanMa 10012.097
Ma 100Greater thanMa 20011.690
OpenGreater thanClose14.449
Total4/5 (80.0%)
Penke

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