United Bancorp Inc (UBCP) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, United Bancorp reported revenue of $32.5M, up 11.0% from $29.3M the year before. Net income was $7.8M (a 23.9% net margin), or $1.34 per diluted share. Net interest income was $26.5M, and the efficiency ratio (noninterest expense / revenue) was 74.3%. Operating activities generated $10.5M of cash, leaving -$1.3M of free cash flow. At fiscal year end, United Bancorp held $857.4M in total assets against $786.9M in total liabilities, including $46.5M of cash and equivalents.
Open the full interactive United Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
United Bancorp Key Stats
| Share Price | $14.65 |
|---|---|
| Market Cap | $80.2M |
| P/E Ratio | 10.9 |
| Dividend Yield | 6.99% |
| Revenue YoY Growth | +11.0% |
| 52-Week Range | $11.80 – $16.60 |
| Shares Outstanding | 5.5 million (basic, 2026 Q2) |
United Bancorp Income Statement
| FY 2019 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $20.9M | $22.1M | $24.4M | $25.8M | $24.8M | $26.5M |
| Provision for Credit Losses | $908,000 | -$1.3M | -$955,000 | -$454,000 | $299,000 | $674,000 |
| Noninterest Income | $3.9M | $5.7M | $4.1M | $4.1M | $4.5M | $6.0M |
| Noninterest Expense | $16.5M | $18.4M | $19.9M | $20.9M | $21.7M | $24.1M |
| Revenue | $24.8M | $27.8M | $28.5M | $29.9M | $29.3M | $32.5M |
| Pre-Tax Income | $7.4M | $10.7M | $9.5M | $9.5M | $7.3M | $7.7M |
| Income Tax | $599,000 | $1.2M | $879,000 | $541,000 | -$107,000 | -$86,000 |
| Net Income | $6.8M | $9.5M | $8.7M | $8.9M | $7.4M | $7.8M |
| Diluted EPS | $1.19 | $1.62 | $1.50 | $1.57 | $1.27 | $1.34 |
United Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $8.1M | $8.9M | $7.9M | $8.6M |
| Net Income | $1.9M | $2.0M | $1.9M | $2.1M |
| Diluted EPS | $0.34 | $0.37 | $0.33 | $0.36 |
United Bancorp Balance Sheet
| FY 2019 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $15.0M | $83.0M | $30.1M | $40.8M | $19.6M | $46.5M |
| Loans (Net) | $439.3M | $450.7M | $458.8M | $479.3M | $486.9M | $487.3M |
| Total Assets | $685.7M | $724.5M | $757.4M | $819.4M | $816.7M | $857.4M |
| Deposits | $548.1M | $605.1M | $649.9M | $621.5M | $613.5M | $641.4M |
| Total Long-Term Debt | $63.3M | $23.7M | $23.7M | $98.8M | $98.8M | $98.9M |
| Total Liabilities | $625.8M | $652.8M | $697.7M | $755.9M | $753.2M | $786.9M |
| Shareholders' Equity | $59.9M | $71.7M | $59.7M | $63.6M | $63.5M | $70.5M |
United Bancorp Cash Flow Statement
| FY 2019 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $8.6M | $8.2M | $8.5M | $9.5M | $8.4M | $10.5M |
| Cash From Investing | -$95.8M | -$1.2M | -$103.3M | -$48.5M | -$19.5M | -$4.5M |
| Cash From Financing | $76.9M | $24.4M | $41.9M | $49.7M | -$10.1M | $21.0M |
| Free Cash Flow | $7.3M | $7.4M | $8.0M | $8.4M | -$1.2M | -$1.3M |
| Dividends Paid | $3.2M | $4.1M | $4.6M | $4.8M | $5.1M | $5.5M |
Figures from United Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full United Bancorp financials page for every line item.
United Bancorp Company Profile
| Ticker | UBCP |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Martins Ferry, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0000731653 |
Frequently Asked Questions
What was United Bancorp's revenue in fiscal 2025?
United Bancorp (UBCP) reported revenue of $32.5M for fiscal 2025.
What is United Bancorp's annual revenue history?
United Bancorp's annual revenue by fiscal year: 2019: $24.8M; 2021: $27.8M; 2022: $28.5M; 2023: $29.9M; 2024: $29.3M; 2025: $32.5M.
What was United Bancorp's net income in fiscal 2025?
United Bancorp reported net income of $7.8M for fiscal 2025.
What was United Bancorp's earnings per share (EPS) in fiscal 2025?
United Bancorp's diluted EPS was $1.34 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did United Bancorp generate in fiscal 2025?
United Bancorp generated -$1.3M of free cash flow in fiscal 2025.
What was United Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), United Bancorp reported revenue of $8.6M.
How much debt does United Bancorp have?
United Bancorp reported $98.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of United Bancorp are outstanding?
United Bancorp reported a weighted average of 5.5 million basic shares outstanding in 2026 Q2.
What is United Bancorp's market cap?
Based on its latest closing price, United Bancorp (UBCP) has a market capitalization of about $80.2M.
When does United Bancorp's fiscal year end?
United Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is United Bancorp headquartered?
United Bancorp lists its business address in Martins Ferry, Ohio in its SEC filings.