United Bancorp, Inc. (UBCP)

United Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	26.46	24.8	25.84	24.39	22.11
Net Interest Income Growth	6.69%	-4.01%	5.93%	10.29%	-3.42%
Non-Interest Income	6.02	4.46	4.05	4.08	5.71
Non-Interest Income Growth	34.96%	10.02%	-0.71%	-28.44%	-17.48%
Revenues Before Loan Losses	32.48	29.26	29.89	28.47	27.82
Provision for Credit Losses	0.67	0.3	-0.45	-0.96	-1.26
Revenue	31.81	28.96	30.34	29.43	29.07
Revenue Growth (YoY)	9.82%	-4.55%	3.12%	1.21%	9.83%
Compensation Expenses	11.83	10.08	10.27	10.31	9.7
Selling, General & Admin	4.87	4.67	3.97	4.12	4.08
Other Non-Interest Expenses	7.44	6.91	6.61	5.46	4.62
Total Non-Interest Expense	24.14	21.67	20.85	19.89	18.39
Pretax Income	7.67	7.3	9.49	9.54	10.68
Provision for Income Taxes	-0.09	-0.11	0.54	0.88	1.23
Net Income	7.75	7.4	8.95	8.66	9.45
Net Income to Common	7.75	7.4	8.95	8.66	9.45
Net Income Growth	4.74%	-17.30%	3.38%	-8.40%	18.84%
Shares Outstanding (Basic)	5	6	5	5	5
Shares Outstanding (Diluted)	5	6	5	5	5
Shares Change (YoY)	-0.86%	0.90%	0.13%	0.11%	0.35%
EPS (Basic)	1.34	1.27	1.57	1.50	1.62
EPS (Diluted)	1.34	1.27	1.57	1.50	1.62
EPS Growth	5.51%	-19.11%	4.67%	-7.41%	16.55%
Shares Outstanding	5.76	5.79	5.7	5.74	5.79
Free Cash Flow	-1.32	-1.25	8.38	7.97	7.42
Free Cash Flow Growth	-	-	5.17%	7.49%	8.23%
Free Cash Flow Per Share	-0.24	-0.23	1.53	1.45	1.35
Dividends Per Share	0.745	0.705	0.665	0.625	0.585
Dividend Growth	5.67%	6.02%	6.40%	6.84%	2.63%
Profit Margin	24.38%	25.56%	29.50%	29.42%	32.51%
FCF Margin	-4.16%	-4.31%	27.62%	27.08%	25.50%
EBITDA	1.35	1.23	1.15	1.16	1.29
EBITDA Margin	4.24%	4.24%	3.78%	3.95%	4.45%
Effective Tax Rate	-1.12%	-1.47%	5.70%	9.22%	11.52%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q