United Bancorp, Inc. (UBCP)

NASDAQ: UBCP · Real-Time Price · USD

15.50

-0.18 (-1.15%)

Aug 4, 2026, 4:00 PM EDT - Market closed

United Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	31.09	31.81	28.96	30.34	29.43	29.07
Revenue Growth	4.46%	9.82%	-4.55%	3.12%	1.21%	9.83%
Net Income	5.88	7.75	7.4	8.95	8.66	9.45
Earnings Per Share	1.38	1.34	1.27	1.57	1.50	1.62
EPS Growth	8.66%	5.51%	-19.11%	4.67%	-7.41%	16.55%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	54.48	93.06	39.22	40.77	30.08	83
Total Debt	26.88	26.87	26.72	26.55	23.73	23.67
Net Cash (Debt)	-26.88	-26.87	-26.72	-26.55	-23.73	-23.67
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-4.90	-4.89	-4.82	-4.84	-4.33	-4.32

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	9.66	10.46	8.45	9.46	8.48	8.19
Capital Expenditures	-12.16	-11.78	-9.7	-1.08	-0.51	-0.78
Free Cash Flow	-2.51	-1.32	-1.25	8.38	7.97	7.42
Free Cash Flow Growth	-	-	-	5.17%	7.49%	8.23%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	18.13%	24.11%	25.19%	31.28%	32.41%	36.74%
Profit Margin	18.90%	24.38%	25.56%	29.50%	29.42%	32.51%
FCF Margin	0.00%	-4.16%	-4.31%	27.62%	27.08%	25.50%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.955	0.745	0.705	0.665	0.625	0.585
Dividend Per Share Growth	4.44%	5.67%	6.02%	6.40%	6.84%	2.63%
Dividend Yield	6.16%	6.96%	7.10%	6.79%	5.65%	4.49%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.23	10.71	10.24	8.18	9.81	10.28
Forward PE	11.48	9.62	8.95	8.92	8.98	10.94
P/FCF Ratio	-	-	-	8.74	10.60	13.01
PS Ratio	2.70	2.60	2.60	2.41	2.87	3.32