UBCP

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United Bancorp, Inc.

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Key Metrics

Previous Close: $14.30
52-Week Range: $12.55 – $17.34
Market Cap: $84.83M
P/E (TTM): 10.72
EPS (TTM): 1.38
Dividend Yield: 5.34%

Advanced Metrics

Price/Book: 1.18
PEG Ratio: —
Return on Equity: 12.10%
Return on Assets: 0.92%
Gross Margin: 0.00%
Operating Margin: 25.43%
Profit Margin: 24.16%
Current Ratio: —
Debt/Equity: —
Total Debt: $111.28M
Free Cash Flow: —
Revenue Growth: 9.20%
Earnings Growth: 9.10%
Enterprise Value: $150.13M

UBCP Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$28.47M	$29.89M	$29.26M	$32.48M
Selling, General & Admin	$11.42M	$11.63M	$11.50M	$13.39M
Pretax Income	$9.54M	$9.49M	$7.29M	$7.67M
Income Tax	$879.00K	$541.00K	-$107.00K	-$86.00K
Net Income	$8.66M	$8.95M	$7.40M	$7.75M
Diluted EPS	1.50	1.57	1.27	1.34
Diluted Shares	5.48M	5.49M	5.54M	5.49M

UBCP Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$30.08M	$40.77M	$19.61M	$46.53M
Receivables	$3.40M	$4.10M	$4.32M	$3.98M
Total Assets	$757.40M	$819.45M	$816.66M	$857.45M
Long-Term Debt	$23.73M	$98.79M	$98.85M	$98.91M
Total Debt	$23.73M	$101.55M	$101.72M	$101.87M
Total Liabilities	$697.66M	$755.86M	$753.20M	$786.93M
Retained Earnings	$41.95M	$44.02M	$46.31M	$48.58M
Shareholders' Equity	$59.74M	$63.59M	$63.46M	$70.52M
Net Debt	—	$58.02M	$79.24M	$52.38M

UBCP Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$8.48M	$9.46M	$8.45M	$10.46M
Capital Expenditure	-$511.00K	-$1.08M	-$9.70M	-$11.78M
Free Cash Flow	$7.97M	$8.38M	-$1.25M	-$1.32M
Depreciation & Amortisation	$1.16M	$1.15M	$1.23M	$1.35M
Stock-Based Compensation	$1.00M	$658.00K	$884.00K	$357.00K
Investing Cash Flow	-$103.26M	-$48.47M	-$19.46M	-$4.51M
Financing Cash Flow	$41.86M	$49.70M	-$10.14M	$20.98M
Dividends Paid	-$4.56M	-$4.79M	-$5.11M	-$5.48M
Share Repurchases	-$767.00K	-$733.00K	-$687.00K	-$317.00K
Net Change in Cash	-$52.92M	$10.69M	-$21.16M	$26.92M

UBCP Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$7.99M	$8.08M	$8.89M	$7.94M	$8.62M
Selling, General & Admin	$3.25M	$3.45M	$3.47M	$3.42M	$3.60M
Pretax Income	$1.94M	$1.91M	$1.97M	$1.75M	$2.06M
Income Tax	$22.00K	-$20.00K	-$62.00K	-$160.00K	-$34.00K
Net Income	$1.91M	$1.93M	$2.04M	$1.91M	$2.10M
Diluted EPS	0.33	0.34	0.35	0.33	0.36
Diluted Shares	5.49M	5.49M	5.49M	5.50M	5.47M

UBCP Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$49.69M	$45.65M	$46.53M	$27.24M	$45.98M
Receivables	$4.01M	$3.63M	$3.98M	$3.45M	$4.23M
Total Assets	$847.88M	$866.76M	$857.45M	$858.50M	$877.97M
Long-Term Debt	$98.88M	$98.89M	$98.91M	$78.92M	$78.94M
Total Debt	$101.79M	$101.83M	$101.87M	$81.88M	$81.89M
Total Liabilities	$788.23M	$800.29M	$786.93M	$791.00M	$805.88M
Retained Earnings	$46.86M	$47.67M	$48.58M	$48.29M	$49.22M
Shareholders' Equity	$59.66M	$66.47M	$70.52M	$67.50M	$72.09M
Net Debt	$49.19M	$53.24M	$52.38M	$51.68M	$32.95M

UBCP Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$3.78M	$3.17M	$2.45M	$266.00K	$1.04M
Capital Expenditure	-$2.32M	-$3.53M	-$4.27M	-$2.04M	-$1.18M
Free Cash Flow	$1.46M	-$367.00K	-$1.82M	-$1.78M	-$140.00K
Depreciation & Amortisation	$324.00K	$340.00K	$357.00K	$411.00K	$411.00K
Stock-Based Compensation	$88.00K	$88.00K	$92.00K	$100.00K	$99.00K
Investing Cash Flow	-$6.19M	-$18.28M	$19.69M	-$28.47M	$5.13M
Financing Cash Flow	$15.70M	$11.09M	-$21.26M	$8.91M	$12.57M
Dividends Paid	-$1.10M	-$1.12M	-$1.13M	-$2.20M	-$1.16M
Share Repurchases	-$80.00K	$0.00	-$188.00K	-$374.00K	-$342.00K
Net Change in Cash	$13.28M	-$4.03M	$876.00K	-$19.29M	$18.74M

Market Snapshot

About

United Bancorp, Inc. is a bank holding company that operates through its subsidiary, Unified Bank, providing commercial and retail banking services. The company offers traditional banking products including deposit accounts, loans, and treasury management services to individuals and businesses in Ohio. United Bancorp focuses on community banking with a regional presence in the Midwest.