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United Bancorp (UBCP) Financials

United Bancorp logo
$15.31 +0.35 (+2.34%)
As of 04:00 PM Eastern
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Annual Income Statements for United Bancorp

Annual Income Statements for United Bancorp

This table shows United Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 7.40 7.75
Consolidated Net Income / (Loss)		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 7.40 7.75
Net Income / (Loss) Continuing Operations		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 7.40 7.75
Total Pre-Tax Income 		3.57 4.56 5.16 5.59 5.08 8.58 11 9.54 9.49 7.30 7.67
Total Revenue		 18 18 19 19 22 30 28 28 30 29 32
Net Interest Income / (Expense)		 14 14 15 16 18 23 22 24 26 25 26
Total Interest Income		 16 16 17 18 21 28 25 28 37 40 41
Loans and Leases Interest Income		 16 15 16 17 19 22 20 21 25 28 31
Investment Securities Interest Income		 0.51 0.48 0.41 0.49 2.00 5.38 4.35 6.30 8.61 9.37 9.11
Federal Funds Sold and Securities Borrowed Interest Income		 0.07 0.06 0.04 0.15 0.20 0.05 0.10 0.49 2.75 1.45 1.40
Other Interest Income		 0.19 0.21 0.18 0.21 0.25 0.10 0.08 0.14 0.25 0.38 0.37
Total Interest Expense		 2.47 2.28 1.78 1.76 3.18 4.73 2.60 3.27 11 15 15
Deposits Interest Expense		 1.18 1.01 0.77 1.22 2.59 3.14 1.27 1.64 5.87 8.15 8.60
Long-Term Debt Interest Expense		 1.29 1.28 1.02 0.55 0.59 1.59 1.32 1.63 5.14 6.58 6.43
Total Non-Interest Income		 3.70 3.80 3.68 3.45 3.66 6.92 5.71 4.08 4.05 4.46 6.02
Other Service Charges		 3.20 3.30 3.12 2.88 3.02 3.44 0.53 0.36 3.30 0.34 3.91
Net Realized & Unrealized Capital Gains on Investments		 0.08 0.07 0.10 0.10 0.07 2.77 1.52 0.04 0.03 0.37 1.34
Other Non-Interest Income		 0.42 0.43 0.46 0.47 0.58 0.71 0.80 0.71 0.73 0.76 0.77
Provision for Credit Losses		 0.89 0.55 0.30 0.10 0.30 3.34 -1.26 -0.96 -0.45 0.30 0.67
Total Non-Interest Expense		 13 12 13 14 16 18 18 20 21 22 24
Salaries and Employee Benefits		 6.57 6.39 7.02 7.21 7.96 9.31 9.70 10 10 10 12
Net Occupancy & Equipment Expense		 1.97 1.92 1.90 2.07 2.14 2.41 2.36 2.22 2.06 2.32 2.55
Marketing Expense		 0.42 0.30 0.32 0.43 0.49 0.34 0.38 0.35 0.36 0.43 0.53
Property & Liability Insurance Claims		 0.25 0.24 0.20 0.19 0.19 0.18 0.20 0.20 0.38 0.37 0.38
Other Operating Expenses		 3.82 3.58 3.63 3.76 5.64 5.50 5.61 6.67 7.63 8.31 8.73
Amortization Expense		 0.12 0.07 - - - 0.15 0.15 0.15 0.15 0.15 0.12
Income Tax Expense		 0.92 1.33 1.58 2.04 0.80 0.63 1.23 0.88 0.54 -0.11 -0.09
Basic Earnings per Share		 $0.54 $0.65 $0.72 $0.71 $0.82 $1.39 $1.62 $1.50 $1.57 $1.27 $1.34
Weighted Average Basic Shares Outstanding		 5.38M 5.38M 5.21M 5.24M 5.92M 5.92M 5.93M 5.74M 5.70M 5.97M 5.76M
Diluted Earnings per Share		 $0.53 $0.64 $0.71 $0.71 $0.82 $1.39 $1.62 $1.50 $1.57 $1.27 $1.34
Weighted Average Diluted Shares Outstanding		 5.38M 5.38M 5.21M 5.24M 5.92M 5.92M 5.93M 5.74M 5.70M 5.97M 5.76M
Weighted Average Basic & Diluted Shares Outstanding		 5.38M 5.38M 5.21M 5.24M 5.92M 5.92M 5.93M 5.74M 5.70M 5.97M 5.76M
Cash Dividends to Common per Share		 $0.33 $0.42 $0.47 $0.51 $0.57 $0.55 $0.69 $0.78 $0.82 $0.86 $0.92

Quarterly Income Statements for United Bancorp

This table shows United Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.39 2.39 1.99 1.74 1.82 1.85 1.87 1.91 1.93 2.04 1.91
Consolidated Net Income / (Loss)		 2.39 2.39 1.99 1.74 1.82 1.85 1.87 1.91 1.93 2.04 1.91
Net Income / (Loss) Continuing Operations		 2.39 2.39 1.99 1.74 1.82 1.85 1.87 1.91 1.93 2.04 1.91
Total Pre-Tax Income 		2.45 2.59 2.14 1.61 1.76 1.78 1.85 1.94 1.91 1.97 1.75
Total Revenue		 7.53 7.53 6.98 7.52 7.35 7.41 7.53 7.99 8.08 8.89 7.94
Net Interest Income / (Expense)		 6.57 6.50 6.12 6.20 6.14 6.34 6.25 6.60 6.73 6.89 6.51
Total Interest Income		 9.65 9.70 9.62 9.88 9.94 10 9.84 10 11 11 10
Loans and Leases Interest Income		 6.45 6.84 6.76 6.99 7.23 7.35 7.33 7.68 7.76 7.84 7.53
Investment Securities Interest Income		 2.21 2.19 2.27 2.36 2.36 2.37 2.28 2.25 2.35 2.24 2.28
Federal Funds Sold and Securities Borrowed Interest Income		 0.91 0.58 0.49 0.44 0.25 0.27 0.14 0.40 0.44 0.43 0.12
Other Interest Income		 0.08 0.09 0.10 0.09 0.10 0.10 0.09 0.09 0.09 0.09 0.08
Total Interest Expense		 3.09 3.20 3.51 3.68 3.81 3.73 3.60 3.82 3.91 3.71 3.50
Deposits Interest Expense		 1.60 1.73 1.96 2.02 2.08 2.08 2.02 2.19 2.26 2.14 2.10
Long-Term Debt Interest Expense		 1.49 1.47 1.54 1.65 1.72 1.65 1.58 1.63 1.65 1.57 1.40
Total Non-Interest Income		 0.96 1.03 0.87 1.31 1.22 1.07 1.28 1.39 1.35 2.00 1.43
Service Charges on Deposit Accounts		 0.70 - 0.70 0.72 0.77 0.81 0.73 0.80 0.86 - 0.79
Other Service Charges		 0.26 2.67 0.08 0.08 0.09 0.08 0.13 0.26 0.18 3.34 0.11
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.02 -0.12 0.33 0.17 -0.01 0.23 0.14 0.12 0.86 0.10
Other Non-Interest Income		 - - 0.20 0.19 0.19 0.19 0.19 0.19 0.19 0.20 0.43
Provision for Credit Losses		 -0.15 -0.15 0.00 0.23 0.07 -0.00 0.10 0.21 0.19 0.19 0.03
Total Non-Interest Expense		 5.23 5.09 4.84 5.67 5.53 5.63 5.59 5.84 5.98 6.73 6.16
Salaries and Employee Benefits		 2.48 2.46 1.79 2.68 2.76 2.86 2.84 2.87 3.05 3.07 3.00
Net Occupancy & Equipment Expense		 0.55 0.51 0.62 0.54 0.57 0.58 0.63 0.62 0.64 0.66 0.81
Marketing Expense		 0.10 0.06 0.11 0.12 0.12 0.06 0.13 0.13 0.14 0.13 0.13
Property & Liability Insurance Claims		 0.10 0.04 0.11 0.16 0.11 -0.00 0.09 0.09 0.09 0.10 0.10
Other Operating Expenses		 1.97 1.98 2.17 2.13 1.93 2.08 1.86 2.09 2.02 2.76 2.14
Amortization Expense		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.01 0.00
Income Tax Expense		 0.06 0.20 0.15 -0.13 -0.06 -0.07 -0.03 0.02 -0.02 -0.06 -0.16
Basic Earnings per Share		 $0.42 $0.42 $0.35 $0.30 $0.31 $0.31 $0.32 $0.33 $0.34 $0.35 $0.33
Weighted Average Basic Shares Outstanding		 5.72M 5.70M 5.95M 5.95M 5.79M 5.97M 5.79M 5.77M 5.77M 5.76M 5.78M
Diluted Earnings per Share		 $0.42 $0.42 $0.35 $0.30 $0.31 $0.31 $0.32 $0.33 $0.34 $0.35 $0.33
Weighted Average Diluted Shares Outstanding		 5.72M 5.70M 5.95M 5.95M 5.79M 5.97M 5.79M 5.77M 5.77M 5.76M 5.78M
Weighted Average Basic & Diluted Shares Outstanding		 5.72M 5.70M 5.95M 5.95M 5.79M 5.97M 5.79M 5.77M 5.77M 5.76M 5.78M
Cash Dividends to Common per Share		 $0.17 - $0.32 $0.18 $0.18 - $0.36 $0.19 $0.19 - $0.37

Annual Cash Flow Statements for United Bancorp

This table details how cash moves in and out of United Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 16 -26 -1.16 2.77 11 37 31 -53 11 -21 27
Net Cash From Operating Activities		 4.18 4.28 4.18 4.57 5.76 9.37 8.19 8.48 9.46 8.45 10
Net Cash From Continuing Operating Activities		 4.18 4.28 4.18 4.57 5.76 9.37 8.19 8.48 9.46 8.45 10
Net Income / (Loss) Continuing Operations		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 7.40 7.75
Consolidated Net Income / (Loss)		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 7.40 7.75
Provision For Loan Losses		 0.99 0.61 0.31 0.12 0.37 3.34 -1.26 -0.96 -0.45 0.30 0.67
Depreciation Expense		 0.96 0.93 0.82 0.92 0.97 1.16 1.14 1.01 1.00 1.08 1.23
Amortization Expense		 0.33 0.28 0.24 0.29 0.46 0.89 0.60 0.74 0.72 0.65 0.61
Non-Cash Adjustments to Reconcile Net Income		 -0.01 -0.79 -0.24 0.44 0.30 -3.28 -1.24 1.18 0.26 -0.33 -0.75
Changes in Operating Assets and Liabilities, net		 -0.74 0.02 -0.53 -0.74 -0.63 -0.68 -0.50 -2.16 -1.01 -0.65 0.94
Net Cash From Investing Activities		 2.12 -30 -35 -18 -63 34 -1.21 -103 -48 -19 -4.52
Net Cash From Continuing Investing Activities		 2.12 -30 -35 -18 -63 34 -1.21 -103 -48 -19 -4.52
Purchase of Property, Leasehold Improvements and Equipment		 -0.31 -1.31 -2.26 -0.78 -0.79 -2.52 -0.78 -0.51 -1.08 -9.70 -12
Purchase of Investment Securities		 -17 -71 -69 -25 -113 -26 -35 -110 -52 -54 -47
Sale of Property, Leasehold Improvements and Equipment		 - - - - 0.00 0.02 0.62 0.11 0.01 0.00 0.06
Sale and/or Maturity of Investments		 19 43 37 7.32 51 62 34 7.55 4.13 45 54
Net Cash From Financing Activities		 9.39 -0.90 30 16 68 -6.43 24 42 50 -10 21
Net Cash From Continuing Financing Activities		 9.39 -0.90 30 16 68 -6.43 24 42 50 -10 21
Net Change in Deposits		 12 0.94 15 47 84 31 26 45 -28 -7.97 28
Repayment of Debt		 -0.92 -0.19 -6.18 -41 -9.92 0.00 0.00 - 0.00 0.00 -0.00
Repurchase of Common Equity		 - - - - - -0.53 -0.07 -0.77 -0.73 -0.69 -0.32
Payment of Dividends		 -1.77 -2.26 -2.54 -2.77 -3.22 -3.36 -4.10 -4.56 -4.79 -5.11 -5.48
Other Financing Activities, Net		 0.04 0.02 3.70 1.69 -3.02 5.79 3.00 2.41 8.68 3.71 -1.09
Cash Interest Paid		 2.48 2.27 1.80 1.81 3.29 4.72 2.18 3.15 11 15 15
Cash Income Taxes Paid		 1.28 1.18 1.13 1.58 0.72 0.99 0.71 0.23 0.00 0.10 0.18

Quarterly Cash Flow Statements for United Bancorp

This table details how cash moves in and out of United Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -11 -30 6.11 -9.31 0.21 -18 17 13 -4.03 0.88 -19
Net Cash From Operating Activities		 3.12 2.72 3.62 -0.79 4.41 1.21 1.06 3.78 3.17 2.45 0.27
Net Cash From Continuing Operating Activities		 3.12 2.72 3.62 -0.79 4.41 1.21 1.06 3.78 3.17 2.45 0.27
Net Income / (Loss) Continuing Operations		 2.39 2.39 1.99 1.74 1.82 1.85 1.87 1.91 1.93 2.04 1.91
Consolidated Net Income / (Loss)		 2.39 2.39 1.99 1.74 1.82 1.85 1.87 1.91 1.93 2.04 1.91
Provision For Loan Losses		 -0.15 -0.15 0.00 0.23 -0.06 0.13 0.10 0.21 0.19 0.19 0.03
Depreciation Expense		 0.25 0.25 0.26 0.27 0.28 0.28 0.29 0.29 0.30 0.35 0.41
Amortization Expense		 0.06 0.29 0.18 0.16 0.14 0.17 0.16 0.16 0.17 0.12 0.11
Non-Cash Adjustments to Reconcile Net Income		 -0.03 -0.05 0.62 -0.05 -0.06 -0.84 -0.16 -0.01 0.02 -0.60 -0.50
Changes in Operating Assets and Liabilities, net		 0.60 -0.02 0.56 -3.14 2.29 -0.37 -1.20 1.23 0.55 0.36 -1.70
Net Cash From Investing Activities		 -2.29 -23 -10 2.47 -1.46 -10 0.28 -6.19 -18 20 -28
Net Cash From Continuing Investing Activities		 -2.29 -23 -10 2.47 -1.46 -10 0.28 -6.19 -18 20 -28
Purchase of Property, Leasehold Improvements and Equipment		 -0.43 -0.13 -3.39 -0.73 -6.09 0.52 -1.66 -2.32 -3.53 -4.27 -2.04
Purchase of Investment Securities		 -3.88 -24 -32 -4.16 -0.40 -18 -5.84 -3.89 -16 -21 -27
Sale and/or Maturity of Investments		 2.02 0.17 25 7.35 5.03 7.04 7.77 0.01 1.57 45 0.45
Net Cash From Financing Activities		 -12 -9.36 13 -11 -2.74 -9.12 15 16 11 -21 8.91
Net Cash From Continuing Financing Activities		 -12 -9.36 13 -11 -2.74 -9.03 15 16 11 -21 8.91
Net Change in Deposits		 -16 -6.55 4.29 -2.56 -7.37 -2.33 11 19 2.25 -3.83 25
Issuance of Debt		 - - - - - - 0.00 - - - -20
Repayment of Debt		 - - -0.02 - - - -0.02 -0.02 - - -0.00
Repurchase of Common Equity		 - - -0.66 -0.02 -0.02 - -0.05 -0.08 - -0.19 -0.37
Payment of Dividends		 -0.99 -1.00 -1.94 -1.04 -1.06 -1.07 -2.13 -1.10 -1.12 -1.13 -2.20
Other Financing Activities, Net		 4.89 -1.80 11 -7.37 5.69 -5.63 7.07 -1.97 9.91 -16 6.19
Cash Interest Paid		 2.68 2.98 3.48 3.71 3.79 3.64 3.59 7.21 -2.13 3.93 3.53

Annual Balance Sheets for United Bancorp

This table presents United Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 402 405 438 459 593 693 724 757 819 817 857
Cash and Due from Banks		 5.17 4.95 4.23 4.66 16 12 7.65 8.28 7.35 8.17 9.38
Interest Bearing Deposits at Other Banks		 34 7.75 7.31 9.65 9.68 40 75 22 33 11 37
Trading Account Securities		 20 35 40 45 124 158 146 - 243 241 234
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 10 10 12 12 12 14 13 12 15 24 34
Goodwill		 - - - - - 0.68 0.68 0.68 0.68 0.68 0.68
Other Assets		 19 20 20 22 23 30 30 255 520 532 542
Total Liabilities & Shareholders' Equity		 402 405 438 459 593 693 724 757 819 817 857
Total Liabilities		 361 364 395 415 543 625 653 698 756 753 787
Interest Bearing Deposits		 323 324 339 386 525 580 605 650 621 613 641
Short-Term Debt		 5.10 5.69 9.39 11 8.07 13 16 18 27 30 29
Long-Term Debt		 31 31 44 14 4.23 24 24 24 99 99 99
Other Long-Term Liabilities		 2.80 3.66 3.20 4.24 4.83 9.23 8.25 5.92 8.83 10 17
Total Equity & Noncontrolling Interests		 40 41 43 44 51 68 72 60 64 63 71
Total Preferred & Common Equity		 40 41 43 44 51 68 72 60 64 63 71
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 40 41 43 44 51 68 72 60 64 63 71
Common Stock		 23 24 23 23 28 29 30 31 32 33 33
Retained Earnings		 20 21 22 23 24 32 38 42 44 46 49
Treasury Stock		 -0.06 -0.05 -0.05 -0.05 -0.05 -0.99 -1.06 -1.83 -2.56 -3.25 -3.57
Accumulated Other Comprehensive Income / (Loss)		 0.06 -0.18 -0.45 -0.42 -0.01 9.28 6.96 -9.34 -7.48 -10 -5.35
Other Equity Adjustments		 -3.51 -3.35 -2.79 -2.35 -2.11 -1.68 -1.74 -1.90 -2.36 -2.08 -2.43

Quarterly Balance Sheets for United Bancorp

This table presents United Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 814 834 822 825 831 848 867 858
Cash and Due from Banks		 7.95 8.07 7.99 7.82 7.91 7.87 8.03 8.19
Interest Bearing Deposits at Other Banks		 63 39 30 30 28 42 38 19
Trading Account Securities		 225 252 240 250 230 227 254 237
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 12 18 19 25 25 27 30 36
Goodwill		 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68
Other Assets		 43 516 525 512 539 543 537 558
Total Liabilities & Shareholders' Equity		 814 834 822 825 831 848 867 858
Total Liabilities		 762 771 761 760 770 788 800 791
Interest Bearing Deposits		 628 626 623 616 624 643 645 667
Short-Term Debt		 29 38 30 36 38 36 46 36
Long-Term Debt		 99 99 99 99 99 99 99 79
Other Long-Term Liabilities		 6.32 8.46 8.78 9.25 9.37 11 11 9.82
Total Equity & Noncontrolling Interests		 53 63 61 65 61 60 66 67
Total Preferred & Common Equity		 53 63 61 65 61 60 66 67
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 53 63 61 65 61 60 66 67
Common Stock		 32 32 32 32 33 33 33 34
Retained Earnings		 43 44 45 46 46 47 48 48
Treasury Stock		 -2.56 -3.22 -3.25 -3.25 -3.30 -3.38 -3.38 -3.94
Accumulated Other Comprehensive Income / (Loss)		 -17 -7.81 -11 -7.16 -13 -14 -8.59 -7.81
Other Equity Adjustments		 -2.00 -2.03 -2.11 -2.07 -2.16 -2.24 -2.34 -2.56

Annual Metrics And Ratios for United Bancorp

This table displays calculated financial ratios and metrics derived from United Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 5,374,386.00 5,377,454.00 5,425,304.00 5,435,304.00 5,743,018.00 5,976,351.00 5,976,351.00 5,742,130.00 5,716,495.00 5,788,893.00 5,774,011.00
DEI Adjusted Shares Outstanding		 5,374,386.00 5,377,454.00 5,425,304.00 5,435,304.00 5,743,018.00 5,976,351.00 5,976,351.00 5,742,130.00 5,716,495.00 5,788,893.00 5,774,011.00
DEI Earnings Per Adjusted Shares Outstanding		 0.49 0.60 0.66 0.65 0.75 1.33 1.58 1.51 1.57 1.28 1.34
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.27% -0.04% 5.29% 4.35% 12.74% 36.73% -6.68% 0.00% 4.98% -2.10% 11.00%
EBITDA Growth		 14.78% 18.63% 7.85% 9.19% -4.12% 63.17% 16.86% 0.00% -0.73% -19.54% 5.31%
EBIT Growth		 20.42% 27.53% 13.21% 8.33% -9.09% 68.87% 24.46% 0.00% -0.47% -23.14% 5.10%
NOPAT Growth		 1.49% 21.61% 11.04% -0.95% 20.76% 85.73% 18.84% 0.00% 3.38% -17.30% 4.74%
Net Income Growth		 1.49% 21.61% 11.04% -0.95% 20.76% 85.73% 18.84% 0.00% 3.38% -17.30% 4.74%
EPS Growth		 0.00% 20.75% 10.94% 0.00% 15.49% 69.51% 16.55% 0.00% 4.67% -19.11% 5.51%
Operating Cash Flow Growth		 -41.67% 2.22% -2.29% 9.34% 26.01% 62.81% -12.57% 0.00% 11.58% -10.73% 23.77%
Free Cash Flow Firm Growth		 -80.69% -16.47% -951.34% 308.56% -65.61% -422.38% 108.95% 0.00% 0.00% 104.79% -54.21%
Invested Capital Growth		 0.79% 1.98% 23.35% -28.00% -8.95% 66.25% 6.15% 0.00% 86.24% 1.92% 3.13%
Revenue Q/Q Growth		 -0.65% 0.65% 1.09% 1.85% 4.78% 22.26% -11.06% 0.00% -0.25% -0.41% 4.77%
EBITDA Q/Q Growth		 3.14% 3.33% 2.03% 6.06% -9.98% 33.47% 48.57% 0.00% 1.43% -9.12% 2.25%
EBIT Q/Q Growth		 4.84% 5.51% 1.96% 2.95% -13.86% 37.86% 75.33% 0.00% 0.56% -9.97% 2.54%
NOPAT Q/Q Growth		 5.28% 4.34% 0.96% -3.27% -4.23% 41.21% 14.91% 0.00% 0.95% -6.80% 2.46%
Net Income Q/Q Growth		 5.28% 4.34% 0.96% -3.27% -4.23% 41.21% 14.91% 0.00% 0.95% -6.80% 2.46%
EPS Q/Q Growth		 6.00% 3.23% 1.43% -2.74% -5.75% 40.40% 12.50% 0.00% 1.29% -7.97% 3.08%
Operating Cash Flow Q/Q Growth		 -33.57% -18.32% 16.87% 13.52% -0.17% 16.50% -15.23% 0.00% -4.09% -15.10% 13.38%
Free Cash Flow Firm Q/Q Growth		 82.08% 129.14% -82.65% 8.54% 182.95% -54.23% -80.13% -100.00% -18.96% 130.05% 159.55%
Invested Capital Q/Q Growth		 -4.80% -5.67% 2.08% -0.80% -27.47% -8.44% 3.50% -3.24% 5.12% -3.80% -5.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 27.61% 32.77% 33.57% 35.13% 29.87% 35.65% 44.64% 39.66% 37.51% 30.83% 29.25%
EBIT Margin		 20.30% 25.90% 27.84% 28.91% 23.31% 28.79% 38.40% 33.49% 31.75% 24.93% 23.61%
Profit (Net Income) Margin		 15.06% 18.32% 19.32% 18.34% 19.64% 26.68% 33.97% 30.41% 29.94% 25.30% 23.87%
Tax Burden Percent		 74.17% 70.73% 69.38% 63.43% 84.26% 92.67% 88.48% 90.78% 94.30% 101.47% 101.12%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.83% 29.27% 30.62% 36.57% 15.74% 7.33% 11.52% 9.22% 5.70% -1.47% -1.12%
Return on Invested Capital (ROIC)		 3.49% 4.18% 4.12% 4.29% 6.48% 9.49% 8.76% 8.52% 6.16% 3.88% 3.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.49% 4.18% 4.12% 4.29% 6.48% 9.49% 8.76% 8.52% 6.16% 3.88% 3.96%
Return on Net Nonoperating Assets (RNNOA)		 3.20% 3.69% 4.39% 3.90% 2.57% 3.88% 4.74% 5.97% 8.36% 7.78% 7.61%
Return on Equity (ROE)		 6.69% 7.87% 8.51% 8.20% 9.06% 13.37% 13.50% 14.49% 14.51% 11.65% 11.57%
Cash Return on Invested Capital (CROIC)		 2.70% 2.22% -16.79% 36.86% 15.85% -40.27% 2.80% 0.00% -54.10% 1.97% 0.88%
Operating Return on Assets (OROA)		 0.90% 1.13% 1.22% 1.25% 0.97% 1.33% 1.51% 1.26% 1.20% 0.89% 0.92%
Return on Assets (ROA)		 0.67% 0.80% 0.85% 0.79% 0.81% 1.24% 1.33% 1.14% 1.14% 0.90% 0.93%
Return on Common Equity (ROCE)		 6.69% 7.87% 8.51% 8.20% 9.06% 13.37% 13.50% 14.49% 14.51% 11.65% 11.57%
Return on Equity Simple (ROE_SIMPLE)		 6.56% 7.77% 8.40% 8.08% 8.46% 11.64% 13.18% 14.49% 14.07% 11.66% 10.99%
Net Operating Profit after Tax (NOPAT)		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 7.40 7.75
NOPAT Margin		 15.06% 18.32% 19.32% 18.34% 19.64% 26.68% 33.97% 30.41% 29.94% 25.30% 23.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.86% 48.92% 49.87% 50.19% 48.61% 40.44% 44.73% 45.20% 42.48% 43.83% 45.89%
Operating Expenses to Revenue		 74.66% 70.96% 70.53% 70.58% 75.33% 60.02% 66.12% 69.86% 69.76% 74.05% 74.32%
Earnings before Interest and Taxes (EBIT)		 3.57 4.56 5.16 5.59 5.08 8.58 11 9.54 9.49 7.30 7.67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.86 5.77 6.22 6.79 6.51 11 12 11 11 9.02 9.50
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.68 0.83 1.20 1.19 0.98 0.96 1.21 1.27 1.05 1.08 1.15
Price to Tangible Book Value (P/TBV)		 0.68 0.83 1.20 1.19 1.02 0.98 1.23 1.30 1.07 1.10 1.16
Price to Revenue (P/Rev)		 1.56 1.95 2.75 2.70 2.29 2.20 3.11 2.67 2.24 2.35 2.49
Price to Earnings (P/E)		 10.37 10.65 14.25 14.74 11.64 8.23 9.14 8.79 7.46 9.29 10.44
Dividend Yield		 6.45% 5.01% 3.83% 4.06% 5.99% 5.21% 4.05% 4.72% 5.69% 5.74% 6.56%
Earnings Yield		 9.64% 9.39% 7.02% 6.78% 8.59% 12.15% 10.94% 11.38% 13.40% 10.76% 9.58%
Enterprise Value to Invested Capital (EV/IC)		 0.32 0.75 0.97 0.91 0.59 0.48 0.39 0.86 0.80 0.93 0.82
Enterprise Value to Revenue (EV/Rev)		 1.38 3.30 5.01 3.27 1.69 1.68 1.54 3.08 5.07 6.10 5.01
Enterprise Value to EBITDA (EV/EBITDA)		 4.99 10.05 14.92 9.30 5.66 4.72 3.44 7.78 13.52 19.79 17.13
Enterprise Value to EBIT (EV/EBIT)		 6.79 12.72 17.99 11.30 7.26 5.84 4.00 9.21 15.97 24.47 21.22
Enterprise Value to NOPAT (EV/NOPAT)		 9.16 17.99 25.93 17.82 8.61 6.31 4.53 10.15 16.94 24.12 20.99
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.81 13.57 22.22 13.83 6.41 5.35 5.22 10.36 16.02 21.13 15.56
Enterprise Value to Free Cash Flow (EV/FCFF)		 11.83 33.84 0.00 2.08 3.52 0.00 14.16 0.00 0.00 47.42 94.38
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.89 0.88 1.25 0.57 0.24 0.53 0.55 0.70 1.97 2.04 1.82
Long-Term Debt to Equity		 0.76 0.74 1.03 0.32 0.08 0.35 0.33 0.40 1.55 1.56 1.40
Financial Leverage		 0.92 0.88 1.07 0.91 0.40 0.41 0.54 0.70 1.36 2.01 1.92
Leverage Ratio		 9.98 9.85 10.02 10.37 11.13 10.81 10.13 12.68 12.79 12.88 12.50
Compound Leverage Factor		 9.98 9.85 10.02 10.37 11.13 10.81 10.13 12.68 12.79 12.88 12.50
Debt to Total Capital		 47.09% 46.69% 55.59% 36.50% 19.54% 34.70% 35.44% 41.19% 66.38% 67.09% 64.53%
Short-Term Debt to Total Capital		 6.68% 7.31% 9.78% 16.04% 12.82% 12.14% 14.14% 17.83% 14.16% 15.82% 14.79%
Long-Term Debt to Total Capital		 40.41% 39.38% 45.81% 20.46% 6.72% 22.56% 21.31% 23.36% 52.22% 51.27% 49.75%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.91% 53.31% 44.41% 63.50% 80.46% 65.30% 64.56% 58.81% 33.62% 32.91% 35.47%
Debt to EBITDA		 7.39 6.30 8.58 3.71 1.89 3.42 3.17 3.70 11.20 14.34 13.51
Net Debt to EBITDA		 -0.66 4.10 6.72 1.61 -1.99 -1.44 -3.51 1.04 7.56 12.17 8.61
Long-Term Debt to EBITDA		 6.34 5.31 7.07 2.08 0.65 2.22 1.91 2.10 8.81 10.96 10.41
Debt to NOPAT		 13.56 11.27 14.91 7.12 2.87 4.57 4.17 4.83 14.03 17.47 16.55
Net Debt to NOPAT		 -1.22 7.33 11.68 3.08 -3.03 -1.92 -4.62 1.36 9.47 14.82 10.55
Long-Term Debt to NOPAT		 11.63 9.51 12.28 3.99 0.99 2.97 2.50 2.74 11.04 13.35 12.76
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2.05 1.71 -15 30 10 -34 3.02 0.00 -79 3.77 1.72
Operating Cash Flow to CapEx		 1,353.40% 326.34% 185.07% 584.02% 733.12% 375.10% 5,217.83% 2,120.25% 882.74% 87.14% 89.20%
Free Cash Flow to Firm to Interest Expense		 0.83 0.75 -8.18 17.25 3.29 -7.13 1.16 0.00 -7.14 0.26 0.11
Operating Cash Flow to Interest Expense		 1.70 1.87 2.34 2.59 1.81 1.98 3.16 2.59 0.86 0.57 0.70
Operating Cash Flow Less CapEx to Interest Expense		 1.57 1.30 1.08 2.15 1.56 1.45 3.10 2.47 0.76 -0.08 -0.08
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.69 1.72 1.66 1.64 1.83 2.31 2.10 2.34 2.20 1.52 1.13
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 76 78 96 69 63 105 111 102 189 193 199
Invested Capital Turnover		 0.23 0.23 0.21 0.23 0.33 0.36 0.26 0.28 0.21 0.15 0.17
Increase / (Decrease) in Invested Capital		 0.60 1.51 18 -27 -6.19 42 6.43 0.00 88 3.64 6.03
Enterprise Value (EV)		 24 58 93 63 37 50 43 88 152 179 163
Market Capitalization		 28 34 51 52 50 65 86 76 67 69 81
Book Value per Share		 $7.52 $7.72 $7.86 $8.08 $8.82 $11.43 $12.00 $10.40 $11.12 $10.96 $12.21
Tangible Book Value per Share		 $7.50 $7.72 $7.86 $8.08 $8.52 $11.20 $11.79 $10.21 $10.96 $10.82 $12.09
Total Capital		 76 78 96 69 63 105 111 102 189 193 199
Total Debt		 36 36 53 25 12 36 39 42 126 129 128
Total Long-Term Debt		 31 31 44 14 4.23 24 24 24 99 99 99
Net Debt		 -3.22 24 42 11 -13 -15 -44 12 85 110 82
Capital Expenditures (CapEx)		 0.31 1.31 2.26 0.78 0.79 2.50 0.16 0.40 1.07 9.70 12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 36 36 53 25 12 36 39 42 126 129 128
Total Depreciation and Amortization (D&A)		 1.29 1.21 1.06 1.20 1.43 2.05 1.74 1.76 1.72 1.73 1.83
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.54 $0.65 $0.72 $0.72 $0.82 $1.19 $1.62 $1.50 $1.57 $1.27 $1.34
Adjusted Weighted Average Basic Shares Outstanding		 5.38M 5.38M 5.21M 5.24M 5.92M 5.92M 5.93M 5.74M 5.70M 5.97M 5.76M
Adjusted Diluted Earnings per Share		 $0.53 $0.64 $0.71 $0.71 $0.82 $1.19 $1.62 $1.50 $1.57 $1.27 $1.34
Adjusted Weighted Average Diluted Shares Outstanding		 5.38M 5.38M 5.21M 5.24M 5.92M 5.92M 5.93M 5.74M 5.70M 5.97M 5.76M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.38M 5.38M 5.21M 5.24M 5.92M 5.92M 5.93M 5.74M 5.70M 5.97M 5.76M
Normalized Net Operating Profit after Tax (NOPAT)		 2.65 3.22 3.58 3.55 4.28 7.95 9.45 8.66 8.95 5.11 5.37
Normalized NOPAT Margin		 15.06% 18.32% 19.32% 18.34% 19.64% 26.68% 33.97% 30.41% 29.94% 17.45% 16.52%
Pre Tax Income Margin		 20.30% 25.90% 27.84% 28.91% 23.31% 28.79% 38.40% 33.49% 31.75% 24.93% 23.61%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.45 2.00 2.89 3.17 1.60 1.81 4.11 2.91 0.86 0.50 0.51
NOPAT to Interest Expense		 1.07 1.41 2.01 2.01 1.35 1.68 3.64 2.65 0.81 0.50 0.52
EBIT Less CapEx to Interest Expense		 1.32 1.42 1.63 2.73 1.35 1.29 4.05 2.79 0.76 -0.16 -0.27
NOPAT Less CapEx to Interest Expense		 0.95 0.84 0.74 1.57 1.10 1.15 3.58 2.52 0.72 -0.16 -0.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 66.88% 70.07% 70.95% 78.09% 75.22% 42.26% 43.39% 52.66% 53.51% 69.08% 70.73%
Augmented Payout Ratio		 66.88% 70.07% 70.95% 78.09% 75.22% 48.87% 44.15% 61.52% 61.70% 78.36% 74.82%

Quarterly Metrics And Ratios for United Bancorp

This table displays calculated financial ratios and metrics derived from United Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 5,690,251.00 5,716,495.00 5,702,685.00 5,953,778.00 5,951,278.00 5,788,893.00 5,966,278.00 5,794,011.00 5,774,011.00 5,774,011.00 5,756,852.00
DEI Adjusted Shares Outstanding		 5,690,251.00 5,716,495.00 5,702,685.00 5,953,778.00 5,951,278.00 5,788,893.00 5,966,278.00 5,794,011.00 5,774,011.00 5,774,011.00 5,756,852.00
DEI Earnings Per Adjusted Shares Outstanding		 0.42 0.42 0.35 0.29 0.31 0.32 0.31 0.33 0.33 0.35 0.33
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.58% -1.00% -6.16% 1.69% -2.32% -1.61% 7.84% 6.24% 9.83% 19.98% 5.42%
EBITDA Growth		 -6.51% 5.30% 5.91% -29.39% -21.17% -28.84% -11.01% 17.12% 9.47% 9.36% -0.92%
EBIT Growth		 -2.70% 2.09% 7.10% -34.15% -28.33% -31.17% -13.86% 20.10% 8.83% 10.65% -5.15%
NOPAT Growth		 3.86% 3.64% 5.56% -23.73% -23.91% -22.59% -6.07% 10.06% 6.10% 10.05% 2.08%
Net Income Growth		 3.86% 3.64% 5.56% -23.73% -23.91% -22.59% -6.07% 10.06% 6.10% 10.05% 2.08%
EPS Growth		 5.00% 5.00% 6.06% -25.00% -26.19% -26.19% -8.57% 10.00% 9.68% 12.90% 3.13%
Operating Cash Flow Growth		 4.18% -12.95% 329.85% -128.29% 41.44% -55.36% -70.57% 579.21% -28.23% 101.82% -75.00%
Free Cash Flow Firm Growth		 -879.04% 0.00% 87.42% 89.93% 74.31% 97.90% 146.59% 67.31% 54.26% -123.45% 284.22%
Invested Capital Growth		 71.43% 86.24% 6.14% 4.97% 11.38% 1.92% -1.29% 2.26% 5.22% 3.13% -7.71%
Revenue Q/Q Growth		 1.87% 0.01% -7.29% 7.66% -2.16% 0.75% 1.61% 6.07% 1.15% 10.05% -10.72%
EBITDA Q/Q Growth		 -4.17% 13.74% -17.81% -21.17% 6.98% 2.67% 2.78% 3.75% 0.00% 2.56% -6.88%
EBIT Q/Q Growth		 0.08% 5.80% -17.32% -24.78% 8.93% 1.59% 3.48% 4.88% -1.29% 3.30% -11.30%
NOPAT Q/Q Growth		 4.91% -0.08% -16.61% -12.74% 4.66% 1.65% 1.19% 2.24% 0.89% 5.44% -6.14%
Net Income Q/Q Growth		 4.91% -0.08% -16.61% -12.74% 4.66% 1.65% 1.19% 2.24% 0.89% 5.44% -6.14%
EPS Q/Q Growth		 5.00% 0.00% -16.67% -14.29% 3.33% 0.00% 3.23% 3.13% 3.03% 2.94% -5.71%
Operating Cash Flow Q/Q Growth		 11.80% -12.93% 33.15% -121.83% 658.94% -72.52% -12.21% 255.36% -16.29% -22.72% -89.13%
Free Cash Flow Firm Q/Q Growth		 -0.68% -17.39% 88.77% 24.14% -157.03% 90.42% 349.36% -153.23% -259.65% 53.19% 528.78%
Invested Capital Q/Q Growth		 -0.50% 5.12% 5.63% -4.99% 5.56% -3.80% 2.30% -1.57% 8.62% -5.71% -8.45%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.65% 41.67% 36.94% 27.05% 29.58% 30.14% 30.49% 29.82% 29.48% 27.47% 28.65%
EBIT Margin		 32.54% 34.42% 30.70% 21.45% 23.88% 24.08% 24.52% 24.25% 23.66% 22.21% 22.06%
Profit (Net Income) Margin		 31.77% 31.74% 28.55% 23.14% 24.75% 24.97% 24.87% 23.97% 23.91% 22.90% 24.08%
Tax Burden Percent		 97.63% 92.21% 93.00% 107.88% 103.64% 103.70% 101.41% 98.86% 101.05% 103.14% 109.14%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 2.37% 7.79% 7.00% -7.88% -3.64% -3.70% -1.41% 1.14% -1.05% -3.14% -9.14%
Return on Invested Capital (ROIC)		 6.68% 6.53% 4.33% 3.69% 3.82% 3.83% 3.73% 3.78% 3.60% 3.80% 4.18%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.68% 6.53% 4.33% 3.69% 3.82% 3.83% 3.73% 3.78% 3.60% 3.80% 4.18%
Return on Net Nonoperating Assets (RNNOA)		 11.32% 8.86% 9.42% 7.80% 8.50% 7.68% 8.22% 8.29% 7.63% 7.31% 8.17%
Return on Equity (ROE)		 18.01% 15.38% 13.75% 11.49% 12.32% 11.50% 11.95% 12.07% 11.23% 11.11% 12.34%
Cash Return on Invested Capital (CROIC)		 -46.41% -54.10% -1.29% -0.26% -6.59% 1.97% 4.97% 1.65% -1.41% 0.88% 12.13%
Operating Return on Assets (OROA)		 1.24% 1.30% 1.07% 0.77% 0.86% 0.86% 0.88% 0.88% 0.87% 0.86% 0.86%
Return on Assets (ROA)		 1.21% 1.20% 1.00% 0.83% 0.89% 0.89% 0.89% 0.87% 0.88% 0.89% 0.94%
Return on Common Equity (ROCE)		 18.01% 15.38% 13.75% 11.49% 12.32% 11.50% 11.95% 12.07% 11.23% 11.11% 12.34%
Return on Equity Simple (ROE_SIMPLE)		 16.86% 0.00% 14.33% 14.05% 12.13% 0.00% 11.98% 12.50% 11.38% 0.00% 11.54%
Net Operating Profit after Tax (NOPAT)		 2.39 2.39 1.99 1.74 1.82 1.85 1.87 1.91 1.93 2.04 1.91
NOPAT Margin		 31.77% 31.74% 28.55% 23.14% 24.75% 24.97% 24.87% 23.97% 23.91% 22.90% 24.08%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.52% 40.28% 36.16% 44.45% 46.97% 47.33% 47.78% 45.32% 47.37% 43.47% 49.72%
Operating Expenses to Revenue		 69.50% 67.62% 69.30% 75.44% 75.18% 75.98% 74.20% 73.17% 74.04% 75.70% 77.56%
Earnings before Interest and Taxes (EBIT)		 2.45 2.59 2.14 1.61 1.76 1.78 1.85 1.94 1.91 1.97 1.75
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.76 3.14 2.58 2.03 2.18 2.23 2.30 2.38 2.38 2.44 2.27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.16 1.05 1.22 1.15 1.12 1.08 1.24 1.41 1.21 1.15 1.30
Price to Tangible Book Value (P/TBV)		 1.19 1.07 1.24 1.17 1.13 1.10 1.25 1.43 1.23 1.16 1.31
Price to Revenue (P/Rev)		 2.04 2.24 2.62 2.36 2.49 2.35 2.52 2.77 2.60 2.49 2.66
Price to Earnings (P/E)		 6.91 7.46 8.51 8.21 9.22 9.29 10.32 11.27 10.67 10.44 11.24
Dividend Yield		 6.09% 5.69% 4.83% 5.64% 5.46% 5.74% 7.07% 6.21% 6.51% 6.56% 6.11%
Earnings Yield		 14.48% 13.40% 11.74% 12.18% 10.84% 10.76% 9.69% 8.87% 9.37% 9.58% 8.90%
Enterprise Value to Invested Capital (EV/IC)		 0.65 0.80 0.83 0.85 0.85 0.93 0.89 0.87 0.85 0.82 0.96
Enterprise Value to Revenue (EV/Rev)		 3.93 5.07 5.67 5.47 5.80 6.10 5.88 5.58 5.79 5.01 5.32
Enterprise Value to EBITDA (EV/EBITDA)		 10.65 13.52 14.69 15.37 17.17 19.79 20.05 18.58 19.32 17.13 18.45
Enterprise Value to EBIT (EV/EBIT)		 12.47 15.97 17.32 18.37 21.03 24.47 25.03 23.05 24.00 21.22 23.09
Enterprise Value to NOPAT (EV/NOPAT)		 13.27 16.94 18.42 18.98 21.46 24.12 24.06 22.64 23.72 20.99 22.44
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.93 16.02 13.63 18.66 17.13 21.13 29.71 16.13 19.46 15.56 18.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 47.42 17.76 53.25 0.00 94.38 7.60
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.42 1.97 2.16 2.13 2.06 2.04 2.24 2.25 2.17 1.82 1.70
Long-Term Debt to Equity		 1.88 1.55 1.56 1.63 1.51 1.56 1.63 1.66 1.49 1.40 1.17
Financial Leverage		 1.69 1.36 2.18 2.12 2.22 2.01 2.20 2.19 2.12 1.92 1.96
Leverage Ratio		 14.90 12.79 13.76 13.88 13.89 12.88 13.42 13.88 12.83 12.50 13.17
Compound Leverage Factor		 14.90 12.79 13.76 13.88 13.89 12.88 13.42 13.88 12.83 12.50 13.17
Debt to Total Capital		 70.77% 66.38% 68.37% 68.08% 67.34% 67.09% 69.17% 69.27% 68.48% 64.53% 62.92%
Short-Term Debt to Total Capital		 15.88% 14.16% 18.92% 16.03% 18.02% 15.82% 19.05% 18.34% 21.58% 14.79% 19.56%
Long-Term Debt to Total Capital		 54.89% 52.22% 49.45% 52.05% 49.31% 51.27% 50.13% 50.93% 46.90% 49.75% 43.36%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 29.23% 33.62% 31.63% 31.92% 32.66% 32.91% 30.83% 30.73% 31.52% 35.47% 37.08%
Debt to EBITDA		 11.52 11.20 12.03 12.30 13.60 14.34 15.62 14.80 15.54 13.51 12.08
Net Debt to EBITDA		 5.11 7.56 7.90 8.72 9.79 12.17 11.45 9.33 10.63 8.61 9.21
Long-Term Debt to EBITDA		 8.94 8.81 8.70 9.40 9.96 10.96 11.32 10.88 10.65 10.41 8.33
Debt to NOPAT		 14.36 14.03 15.09 15.18 16.99 17.47 18.74 18.04 19.08 16.55 14.70
Net Debt to NOPAT		 6.37 9.47 9.91 10.77 12.24 14.82 13.74 11.37 13.05 10.55 11.20
Long-Term Debt to NOPAT		 11.14 11.04 10.91 11.61 12.44 13.35 13.58 13.26 13.07 12.76 10.13
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -73 -85 -9.57 -7.26 -19 -1.79 4.46 -2.37 -8.53 -3.99 17
Operating Cash Flow to CapEx		 731.92% 2,104.65% 106.57% -108.53% 72.40% 0.00% 64.17% 163.19% 89.61% 57.27% 13.01%
Free Cash Flow to Firm to Interest Expense		 -23.53 -26.60 -2.73 -1.97 -4.90 -0.48 1.24 -0.62 -2.18 -1.08 4.89
Operating Cash Flow to Interest Expense		 1.01 0.85 1.03 -0.21 1.16 0.32 0.30 0.99 0.81 0.66 0.08
Operating Cash Flow Less CapEx to Interest Expense		 0.87 0.81 0.06 -0.41 -0.44 0.46 -0.17 0.38 -0.09 -0.49 -0.51
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.43 2.20 1.94 1.92 1.59 1.52 1.38 1.33 1.13 1.13 1.08
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 180 189 200 190 200 193 197 194 211 199 182
Invested Capital Turnover		 0.21 0.21 0.15 0.16 0.15 0.15 0.15 0.16 0.15 0.17 0.17
Increase / (Decrease) in Invested Capital		 75 88 12 9.00 20 3.64 -2.58 4.29 10 6.03 -15
Enterprise Value (EV)		 118 152 167 162 170 179 175 169 179 163 175
Market Capitalization		 61 67 77 70 73 69 75 84 81 81 88
Book Value per Share		 $9.24 $11.12 $11.08 $10.18 $11.00 $10.96 $10.19 $10.30 $11.51 $12.21 $11.68
Tangible Book Value per Share		 $9.07 $10.96 $10.93 $10.03 $10.86 $10.82 $10.06 $10.17 $11.39 $12.09 $11.56
Total Capital		 180 189 200 190 200 193 197 194 211 199 182
Total Debt		 127 126 137 129 135 129 136 134 144 128 115
Total Long-Term Debt		 99 99 99 99 99 99 99 99 99 99 79
Net Debt		 56 85 90 92 97 110 100 85 99 82 87
Capital Expenditures (CapEx)		 0.43 0.13 3.39 0.73 6.09 -0.52 1.66 2.32 3.53 4.27 2.04
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 127 126 137 129 135 129 136 134 144 128 115
Total Depreciation and Amortization (D&A)		 0.31 0.55 0.44 0.42 0.42 0.45 0.45 0.45 0.47 0.47 0.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.42 $0.42 $0.35 $0.30 $0.31 $0.31 $0.32 $0.33 $0.34 $0.35 $0.33
Adjusted Weighted Average Basic Shares Outstanding		 5.72M 5.70M 5.95M 5.95M 5.79M 5.97M 5.79M 5.77M 5.77M 5.76M 5.78M
Adjusted Diluted Earnings per Share		 $0.42 $0.42 $0.35 $0.30 $0.31 $0.31 $0.32 $0.33 $0.34 $0.35 $0.33
Adjusted Weighted Average Diluted Shares Outstanding		 5.72M 5.70M 5.95M 5.95M 5.79M 5.97M 5.79M 5.77M 5.77M 5.76M 5.78M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.72M 5.70M 5.95M 5.95M 5.79M 5.97M 5.79M 5.77M 5.77M 5.76M 5.78M
Normalized Net Operating Profit after Tax (NOPAT)		 2.39 2.39 1.99 1.13 1.23 1.25 1.29 1.91 1.34 1.38 1.23
Normalized NOPAT Margin		 31.77% 31.74% 28.55% 15.01% 16.71% 16.86% 17.17% 23.97% 16.56% 15.55% 15.44%
Pre Tax Income Margin		 32.54% 34.42% 30.70% 21.45% 23.88% 24.08% 24.52% 24.25% 23.66% 22.21% 22.06%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.79 0.81 0.61 0.44 0.46 0.48 0.51 0.51 0.49 0.53 0.50
NOPAT to Interest Expense		 0.78 0.75 0.57 0.47 0.48 0.50 0.52 0.50 0.49 0.55 0.55
EBIT Less CapEx to Interest Expense		 0.66 0.77 -0.36 0.24 -1.14 0.62 0.05 -0.10 -0.42 -0.62 -0.08
NOPAT Less CapEx to Interest Expense		 0.64 0.71 -0.40 0.28 -1.12 0.63 0.06 -0.11 -0.41 -0.60 -0.04
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 53.37% 53.51% 53.88% 58.35% 63.50% 69.08% 72.90% 72.04% 71.72% 70.73% 71.19%
Augmented Payout Ratio		 61.63% 61.70% 61.13% 66.23% 72.15% 78.36% 74.00% 73.98% 73.42% 74.82% 79.43%

Financials Breakdown Chart

Key Financial Trends

United Bancorp (NASDAQ: UBCP) continued to post solid quarterly earnings in Q1 2026, but the latest results also show a few balance-sheet and cash-flow dynamics that investors should watch closely.

  • Net income remained strong in Q1 2026 at $1.9 million, essentially flat versus Q4 2025 and modestly above Q1 2025, suggesting earnings power has stayed resilient.
  • Net interest income improved sequentially to $6.5 million from $6.1 million in Q1 2025, helped by higher total interest income and lower interest expense compared with the prior year.
  • Credit costs stayed low, with provision for credit losses of just $30,000 in Q1 2026, well below most bank peers in a stressed environment.
  • Operating cash flow turned positive at $266,000 in Q1 2026 after the usual seasonal swings, showing the business is still generating cash from core operations.
  • Deposits increased sharply by $25.3 million in Q1 2026, which can support liquidity and future lending/investment activity.
  • Share count remained stable at about 5.78 million weighted average diluted shares, limiting dilution concerns.
  • Q1 2026 revenue was $7.9 million, down from the prior quarter’s $8.9 million, but still comfortably above Q1 2025 levels on a core basis.
  • Non-interest income was softer quarter over quarter at $1.4 million versus $2.0 million in Q4 2025, indicating some lumpiness in fee and securities gains.
  • The company remains highly investment-securities heavy, with trading account securities and other assets making up a large portion of the balance sheet rather than traditional loans.
  • Investing cash outflows were very large in Q1 2026, driven by $26.9 million of investment security purchases and $2.0 million of property/equipment spending, resulting in a $28.5 million cash outflow from investing activities.
  • Cash and equivalents fell by $19.3 million in the quarter, reflecting the heavy investing activity and showing that liquidity is being actively deployed.
  • Equity declined to $67.5 million from $66.5 million at year-end in the face of retained earnings growth, but accumulated other comprehensive loss remained sizable, which can pressure book value.
  • Dividend payout remains meaningful, with quarterly cash dividends per share of $0.3675 in Q1 2026, so investors should keep an eye on earnings coverage and cash generation.

Looking at the broader four-year trend, UBCP has been remarkably consistent in producing roughly $1.8 million to $2.4 million of quarterly net income, even as interest rates and balance-sheet composition shifted. That consistency is a positive for a community bank-style business.

At the same time, the company’s recent results show a pattern of heavy securities activity, volatile deposit swings, and periodic large cash movements. Earnings are stable, but the balance sheet is being managed actively, which can create quarter-to-quarter noise in cash flow and liquidity.

Bottom line: United Bancorp appears to be a steady earnings generator with low credit-loss expense and stable profitability, but investors should watch its dependence on investment securities, changing deposit levels, and the effect of those factors on cash flow and book value.

07/17/26 04:49 PM ETAI Generated. May Contain Errors.

United Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, United Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

United Bancorp's net income appears to be on an upward trend, with a most recent value of $7.75 million in 2025, rising from $2.65 million in 2014. The previous period was $7.40 million in 2024. See United Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, United Bancorp's total revenue changed from $17.61 million in 2014 to $32.48 million in 2025, a change of 84.5%.

United Bancorp's total liabilities were at $786.93 million at the end of 2025, a 4.5% increase from 2024, and a 117.7% increase since 2014.

In the past 10 years, United Bancorp's cash and equivalents has ranged from $4.23 million in 2016 to $15.57 million in 2018, and is currently $9.38 million as of their latest financial filing in 2025.

Over the last 10 years, United Bancorp's book value per share changed from 7.52 in 2014 to 12.21 in 2025, a change of 62.5%.


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Financial statements for NASDAQ:UBCP last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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