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Financials · UBCP

United Bancorp Inc. (UBCP) financials

For the twelve months ended Jun 30, 2026, United Bancorp Inc. reported $37.51M of revenue and $7.97M of net income.

Revenue, TTM
$37.51M
Revenue growth, YoY
+23.4%
Net income, TTM
$7.97M
Net income growth, YoY
+6.9%
Net margin
21.3%
Free cash flow, TTM
-$4.11M
EPS, diluted, TTM
$1.38
EPS growth, YoY
+8.7%
Cash
$45.98M
P/E
10.22
P/S
2.17
Market cap
$81.4M
Annual revenue$41.49M
FY2016FY2025
Annual net income$7.75M
FY2016FY2025
Annual free cash flow-$1.32M
FY2016FY2025

UBCP revenue and earnings growth

UBCP revenueQ2 2026$10.53M

Quarter YoY
+31.9%
QoQ
+5.2%
FY YoY
+5.0%
5Y CAGR
+8.5%
10Y CAGR
+9.0%

UBCP revenue was $10.53M in fiscal Q2 2026 (ended Jun 30, 2026), up 31.9% from a year earlier and up 5.2% from the prior quarter. For the full fiscal 2025 it was $41.49M, up 5.0% from fiscal 2024. Compound annual growth was +8.5% over 5 years and +9.0% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UBCP net incomeQ2 2026$2.10M

Quarter YoY
+9.5%
QoQ
+9.6%
FY YoY
+4.7%
5Y CAGR
-0.5%
10Y CAGR
+9.2%

UBCP net income was $2.10M in fiscal Q2 2026 (ended Jun 30, 2026), up 9.5% from a year earlier and up 9.6% from the prior quarter. For the full fiscal 2025 it was $7.75M, up 4.7% from fiscal 2024. Compound annual growth was -0.5% over 5 years and +9.2% over 10 years. It rose in 7 of the last 10 fiscal years.

UBCP EPSQ2 2026$0.36

Quarter YoY
+9.1%
QoQ
+9.1%
FY YoY
+5.5%
5Y CAGR
-0.7%
10Y CAGR
+7.7%

UBCP diluted EPS was $0.36 in fiscal Q2 2026 (ended Jun 30, 2026), up 9.1% from a year earlier and up 9.1% from the prior quarter. For the full fiscal 2025 it was $1.34, up 5.5% from fiscal 2024. Compound annual growth was -0.7% over 5 years and +7.7% over 10 years.

UBCP free cash flowQ2 2026-$140.0K

UBCP free cash flow was -$140.0K in fiscal Q2 2026 (ended Jun 30, 2026), compared with $1.46M a year earlier. For the full fiscal 2025 it was -$1.32M, compared with -$1.25M in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$41.49M$39.52M$36.85M$27.66M$24.71M$27.63M$24.80M$21.80M$19.34M$18.53M
Interest expense--$11.01M$3.27M$2.60M$4.73M$6.12M$3.18M$1.76M$1.78M
Pre-tax income$7.67M$7.29M$9.49M$9.54M$10.68M$8.58M$7.41M$5.08M$5.59M$5.16M
Income tax-$86.0K-$107.0K$541.0K$879.0K$1.23M$629.0K$599.0K$800.0K$2.04M$1.58M
Net income$7.75M$7.40M$8.95M$8.66M$9.45M$7.95M$6.81M$4.28M$3.55M$3.58M
EPS, basic$1.34$1.27$1.57$1.50$1.62$1.39$1.19$0.82$0.71$0.72
EPS, diluted$1.34$1.27$1.57$1.50$1.62$1.39$1.19$0.82$0.71$0.71
Diluted shares5.5M5.5M5.5M5.5M5.5M5.5M5.5M5.0M5.0M5.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$46.53M$19.61M$40.77M$30.08M$83.00M$51.59M$14.98M$25.25M$14.31M$11.54M
Goodwill$682.0K$682.0K$682.0K$682.0K$682.0K$682.0K$682.0K$682.0K$0-
Total assets$857.45M$816.66M$819.45M$757.40M$724.46M$693.40M$685.71M$593.21M$459.33M$438.02M
Short-term debt----$15.70M$12.71M$6.92M$8.07M$11.09M$9.39M
Total liabilities$786.93M$753.20M$755.86M$697.66M$652.75M$625.07M$625.78M$542.57M$415.44M$395.38M
Shareholders' equity$70.52M$63.46M$63.59M$59.74M$71.70M$68.33M$59.92M$50.64M$43.90M$42.64M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$10.46M$8.45M$9.46M$8.48M$8.19M$9.37M$8.62M$5.75M$4.57M$4.18M
Capital expenditures$11.78M$9.70M$1.08M$511.0K$777.0K$2.52M$1.34M$785.0K$782.0K$2.26M
Free cash flow-$1.32M-$1.25M$8.38M$7.97M$7.42M$6.85M$7.28M$4.97M$3.79M$1.92M
Investing cash flow-$4.51M-$19.46M-$48.47M-$103.26M-$1.21M$33.67M-$95.79M-$62.55M-$18.05M-$35.00M
Financing cash flow$20.98M-$10.14M$49.70M$41.86M$24.42M-$6.43M$76.91M$67.73M$16.25M$29.67M
Dividends paid$5.48M$5.11M$4.79M$4.56M$4.10M$3.36M$3.23M$3.22M$2.77M$2.54M
Share repurchases$317.0K$687.0K$733.0K$767.0K$72.0K$526.0K$416.0K---
Stock-based compensation$357.0K$884.0K$658.0K$1.00M$414.0K$324.0K$293.0K$287.0K$163.0K$147.0K
Depreciation and amortization$1.23M$1.08M$997.0K$1.01M$1.14M$1.16M$1.04M$974.0K$918.0K$819.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY5.0%7.3%33.2%12.0%-10.6%11.4%13.7%12.7%4.4%5.3%
Net income growth, YoY4.7%-17.3%3.4%-8.4%18.8%16.8%59.0%20.8%-0.9%11.0%
EPS growth, YoY5.5%-19.1%4.7%-7.4%16.5%16.8%45.1%15.5%0.0%10.9%
Net margin18.7%18.7%24.3%31.3%38.3%28.8%27.5%19.6%18.3%19.3%
Free cash flow margin-3.2%-3.2%22.7%28.8%30.0%24.8%29.4%22.8%19.6%10.4%
Return on equity11.0%11.7%14.1%14.5%13.2%11.6%11.4%8.5%8.1%8.4%
Return on assets0.9%0.9%1.1%1.1%1.3%1.1%1.0%0.7%0.8%0.8%

Source: XBRL data United Bancorp Inc. files with the SEC, latest filing dated Aug 12, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UBCP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UBCP$37.51M+23.4%$7.97M21.3%$81.4M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

UBCP FAQ

8 questions
  • What is UBCP revenue?
    United Bancorp Inc. (UBCP) reported $37.51M of revenue for the twelve months ended Jun 30, 2026. That is up 23.4% from the year before. Revenue for fiscal 2025 was $41.49M.
  • Is UBCP profitable?
    Yes. United Bancorp Inc. earned $7.97M in net income for the twelve months ended Jun 30, 2026, a net margin of 21.3%.
  • How much cash and debt does UBCP have?
    United Bancorp Inc. reported $45.98M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is UBCP revenue growing?
    United Bancorp Inc.'s revenue changed +5.0% in fiscal 2025, to $41.49M. Its compound annual growth rate was +8.5% over 5 years and +9.0% over 10 years.
  • What is UBCP free cash flow?
    United Bancorp Inc. generated -$4.11M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $6.91M less capital expenditures.
  • What is UBCP earnings per share?
    Diluted earnings per share were $1.38 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UBCP last report financial results?
    The latest statements here come from United Bancorp Inc.'s 10-Q filed on Aug 12, 2026, covering the period ended Jun 30, 2026.
  • Where does this UBCP financial data come from?
    Quantisnow builds these statements from the structured XBRL data United Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.