United-Guardian, Inc. (UG) Fair Value 2026

UG · Household & Personal Products ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 11 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-27, United-Guardian, Inc. (UG) trades at $7.20, versus a $5.33 median fair value across its 11 active models — 26.0% below the current price. QOC: 8.1/10. Value Trap Risk: 18/100 (SAFE). 11/13 models active. Within that set, the Bayesian DCF component alone returns $4.61.

Key Facts

Ticker
UG
Price
$7.20
Quality Score
8.1/10
Value Trap Risk
18/100
Models Active
11/13
Last Updated
Strength: Quality Score of 8.1/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is United-Guardian, Inc. (UG) Undervalued or Overvalued in 2026?

According to CirclFi’s 11-model valuation engine, United-Guardian, Inc. (UG) appears overvalued as of : the median of 11 independent fair value estimates is $5.33, 26.0% below the current price of $7.20. Estimates range from $1.62 to $9.04. UG scores 8.1/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. UG’s -26.0% gap is wider than that market norm, and the Household & Personal Products sector median is -6.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy United-Guardian, Inc. Stock in 2026? →

What Fair Value Does Each Model Give UG?

11 Intrinsic Value Models vs. Current Price ($7.20)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $4.61 -35.9%
Intrinsic · High Conviction
 $5.62 -22.0%
Ensemble · Medium Conviction
 $5.33 -26.0%
Intrinsic · High Conviction
 $3.55 -50.6%
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What Is UG's Fair Value Range?

Spread across 11 independent models · $1.62 to $9.04

CirclFi's 11 active models place United-Guardian, Inc. (UG) between $1.62 and $9.04 per share, a spread of 139% of the median. The median of that range — $5.33 — is the fair value CirclFi publishes for UG, against a current price of $7.20.

Low · Dynamic NAVHigh · Regime Cross
$1.62median $5.33$9.04
Where the range comes from
Most bearish modelDynamic NAV$1.62
Most bullish modelRegime Cross-Sectional$9.04
Model agreement2 bullish · 8 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for UG. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on UG, not a CirclFi price target. How each model works →

What Is United-Guardian, Inc. (UG) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, United-Guardian, Inc.'s intrinsic value is estimated at a median fair value of $5.33. Trading at $7.20, the stock is approaching fair value or slight overvaluation (implied return of -26.0%), as 8 of 11 models suggest limited further upside. The most optimistic model, Regime Cross, places fair value at $9.04 (+25.6%), while Dynamic NAV — the most conservative — estimates $1.62 (-77.5%). This +103.1% gap reflects genuine analytical uncertainty about United-Guardian, Inc.'s intrinsic worth. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About UG?

11 of 13 models are currently active for UG. Of these, 2 models suggest upside while 9 models suggest overvaluation. Taken together, their median fair value for UG is $5.33 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $4.61 on its own, implying -35.9% downside from the current price. See which stocks rank higher →

How Does UG Rank in Household & Personal Products?

Among 35 Household & Personal Products stocks, UG ranks #7 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places UG in the top tier.

The Household & Personal Products sector introduces analytical considerations specific to consumer businesses. For United-Guardian, Inc., metrics like customer lifetime value (CLV) provide important context that general-purpose valuation models may underweight.

Is UG a Value Trap?

CirclFi's Value Trap algorithm assigns UG a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

11 of 13 models are active for United-Guardian, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, United-Guardian, Inc. scores 8.1 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +103.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every UG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across UG's 11 active models, average confidence is 49%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy United-Guardian, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Household & Personal Products Stocks Should You Also Analyze?

11 related Household & Personal Products stocks with 13-model coverage

ELFe.l.f. Beauty, Inc.QOC 8.1KMBKimberly-Clark CorporationQOC 8.0ACUAcme United CorporationQOC 8.3CLXThe Clorox CompanyQOC 7.9CHDChurch & Dwight Co., Inc.QOC 8.4NUSNu Skin Enterprises, Inc.QOC 7.7EPCEdgewell Personal Care CompanyQOC 7.4HNSTThe Honest Company, Inc.QOC 6.1BYAHPark Ha Biological Technology Co., Ltd.QOC 2.7IPARInterparfums, Inc.QOC 9.3PGThe Procter & Gamble CompanyQOC 8.8

Read investment analysis: ELF · KMB · ACU · CLX · CHD · NUS · EPC · HNST · BYAH · IPAR · PG

Which Other Stocks Have a Similar Quality Score to UG?

7 companies across all industries closest to UG’s Quality of Company score of 8.1/10.

FOURShift4 Payments, Inc.QOC 8.1WELLWelltower Inc.QOC 8.1AMAntero Midstream CorporationQOC 8.1CDWCDW CorporationQOC 8.1TERTeradyne, Inc.QOC 8.1RPRXRoyalty Pharma plcQOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FOUR · WELL · AM · CDW · TER · RPRX · NVDA

What Else Do Investors Ask About United-Guardian, Inc.’s Valuation?

What is United-Guardian, Inc.'s intrinsic value in 2026?

CirclFi puts United-Guardian, Inc. (UG)'s intrinsic value at $5.33 — the median of 11 independent model estimates as of 2026-08-27, ranging from $1.62 to $9.04. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $4.61 on its own. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is UG overvalued or undervalued right now?

At $7.20, 2 of 11 active models suggest UG may be undervalued, while 9 indicate potential overvaluation. The median of all 11 fair value estimates is $5.33, 26.0% below the current price of $7.20 — a consensus view that UG is overvalued. The assessment depends on which methodology best fits United-Guardian, Inc.'s business model in Household & Personal Products.

What does a Quality of Company score of 8.1 mean for UG?

United-Guardian, Inc.'s QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on UG?

CirclFi analyzes UG with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 11 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on UG?

Of the 11 models currently active on UG, Regime Cross-Sectional is the most bullish at $9.04 per share, and Dynamic NAV is the most bearish at $1.62. CirclFi's published fair value for UG is the median of that range, $5.33, not either extreme. The gap between the two ends equals 139% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is UG a value trap in 2026?

United-Guardian, Inc.'s Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 11-model valuation engine, United-Guardian, Inc. (UG) has a median fair value of $5.33 — 26.0% below the current price of $7.20 — as of 2026-08-27.” Source: circlfi.com/stock/UG/ · Methodology
Primary sources for this UG valuation
  • Financial statements: United-Guardian, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000101295) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for UG as of ; valuations recomputed .

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