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United Bancorp, Inc. (UBCP)
NASDAQ: UBCP · Real-Time Price · USD
15.48
-0.72 (-4.44%)
Aug 24, 2026, 4:00 PM EDT - Market closed

United Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3331.8128.9630.3429.4329.07
Revenue Growth
10.32%9.82%-4.55%3.12%1.21%9.83%
Net Income
7.587.397.068.598.278.88
Earnings Per Share
1.381.341.271.571.501.62
EPS Growth
7.53%5.51%-18.85%4.34%-7.41%16.98%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
45.9846.5319.6140.7730.0883
Total Debt
111.28131.27132.21128.3341.8339.37
Net Cash (Debt)
-65.3-84.74-112.61-87.56-11.7543.63
Net Cash Growth
-----185.50%
Net Cash Per Share
-11.96-15.43-20.33-15.95-2.147.97

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
6.9110.468.459.468.488.19
Capital Expenditures
-11.02-11.78-9.7-1.08-0.51-0.78
Free Cash Flow
-4.11-1.32-1.258.387.977.42
Free Cash Flow Growth
---5.17%7.49%8.23%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
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
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.9550.7450.7050.6650.6250.585
Dividend Per Share Growth
4.40%5.67%6.02%6.40%6.84%2.63%
Dividend Yield
6.17%5.38%6.01%6.14%5.37%4.66%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.2111.2210.668.5410.2211.21
Forward PE
11.479.628.958.928.9810.94
P/FCF Ratio
---8.7610.6113.43
PS Ratio
2.692.612.602.422.873.43