United Bancorp, Inc. (UBCP)

NASDAQ: UBCP · Real-Time Price · USD

14.66

+0.16 (1.10%)

At close: Oct 9, 2026, 4:00 PM EDT

14.85

+0.19 (1.26%)

After-hours: Oct 9, 2026, 7:30 PM EDT

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	33	31.81	28.96	30.34	29.43	29.07
Revenue Growth	10.32%	9.82%	-4.55%	3.12%	1.21%	9.83%
Net Income	7.58	7.39	7.06	8.59	8.27	8.88
Earnings Per Share	1.38	1.34	1.27	1.57	1.50	1.62
EPS Growth	7.53%	5.51%	-18.85%	4.34%	-7.41%	16.98%

Cash & Debt

Fiscal Year	Current	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
Cash & Investments	45.98	46.53	19.61	40.77	30.08	83
Total Debt	111.28	131.27	132.21	128.33	41.83	39.37
Net Cash (Debt)	-65.3	-84.74	-112.61	-87.56	-11.75	43.63
Net Cash Growth	-	-	-	-	-	185.50%
Net Cash Per Share	-11.96	-15.43	-20.33	-15.95	-2.14	7.97

Cash Flow & CapEx

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
Operating Cash Flow	6.91	10.46	8.45	9.46	8.48	8.19
Capital Expenditures	-11.02	-11.78	-9.7	-1.08	-0.51	-0.78
Free Cash Flow	-4.11	-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
Profit Margin	22.96%	23.22%	24.39%	28.32%	28.10%	30.55%
FCF Margin	-12.46%	-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	Oct '26 Oct 11, 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	4.40%	5.67%	6.02%	6.40%	6.84%	2.63%
Dividend Yield	6.51%	5.45%	6.08%	6.22%	5.44%	4.71%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 11, 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	10.62	11.22	10.66	8.54	10.22	11.21
Forward PE	10.86	9.62	8.95	8.92	8.98	10.94
P/FCF Ratio	-	-	-	8.76	10.61	13.43
PS Ratio	2.55	2.61	2.60	2.42	2.87	3.43