Pricing Log in Create free account
Friday 6 November 2026 Export UBCP’s income statement to Excel — free account

United Bancorp, Inc.

UBCP Financial Banks Regional

United Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $47.5 million, up 8.02% from fiscal 2024.

Revenue
+2.96%
EPS
+9.09%
Free cash flow
−109.6%
Total debt
−20.2%

Quarter to June 2026, against a year earlier

14.30 0.04 −0.28%
Market cap
$83.3M
P/E
10.4×
Fwd P/E
10.5×
Dividend yield
5.42%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.17
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 8 — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 13.03%

Capital & Financial Ratios $m

Size
Market Cap 83.28
Revenue ttm 48.17
Net income ttm 7.97
Free cash flow ttm (4.05)
Net debt Q 32.96
Valuation
P/E 10.36
Forward P/E 10.50
Price / sales 1.62
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.09
Financial health
Current ratio Q 0.76
Debt / equity Q 1.10
Interest coverage Q —
Growth
Revenue growth Q +2.96% (above 0%: growing)
Operating income growth Q +6.46% (above 0%: growing)
EPS, this year +0.75%
EPS, next year A +20.00% (at or above 15%: strong)
Revenue, next year A −43.06% (below 0%: weak)
EPS, past 5 yrs −0.73% (below 0%: weak)
EPS, next 5 yrs A +10.74%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 42.32%
10-year low 10-year high
P/S against its own 10 years 11.00%
10-year low 10-year high
P/B against its own 10 years 20.65%
10-year low 10-year high

Dividends

Yield
5.42%
Annual rate
0.78
Payout ratio
56.2%
Growth, 2017–25
+6.50%/yr
  1. 0.34 ’17
  2. 0.52 ’18 +53
  3. 0.55 ’19 +5
  4. 0.57 ’20 +5
  5. 0.59 ’21 +3
  6. 0.63 ’22 +7
  7. 0.50 ’23 −20
  8. 0.71 ’24 +40
  9. 0.56 ’25 −20
  10. 0.95 ’26e +68
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 41 20 47 46
Receivables — — — —
Inventory — — — —
Other — — — —
524 511 538 542
2023 2024 2025 Q'26
Payables 621 613 641 687
ST’ Debt — — — —
Other — — — —
648 644 671 716

Compound Annual Growth %

10y 5y 3y
Sales 9.10% 6.58% 14.38%
Cash Flow 9.36% 2.22% 7.23%
Earnings 8.87% (0.46%) (3.70%)
Book Value 5.45% 0.63% 5.68%

EPS $

Mar Jun Sep Dec Year
’26 0.33 0.36 — — —
’25 0.32 0.33 0.34 0.35 1.34
’24 0.35 0.30 0.31 0.31 1.27
’23 0.33 0.40 0.42 0.42 1.57
’22 0.31 0.40 0.40 0.40 1.50
’21 0.33 0.38 0.50 0.41 1.62
’20 0.28 0.29 0.36 0.46 1.39
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 11 12 — — —
’25 11 12 12 13 48
’24 10 11 11 11 44
’23 9 10 11 11 41
’22 7 7 8 9 32
’21 7 7 9 8 30
’20 8 9 9 8 35
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 0 1 — — —
’25 1 4 3 2 10
’24 4 (1) 4 1 8
’23 1 3 3 3 9
’22 5 (3) 3 3 8
’21 1 2 3 2 8
’20 2 1 4 3 9
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (2) 0 — — —
’25 (1) 1 0 (2) (1)
’24 0 (2) (2) 2 (1)
’23 1 3 3 3 8
’22 5 (3) 3 3 8
’21 1 2 3 2 8
’20 1 0 4 2 7
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 20 21 25 31 35 30 32 41 44 48 48 +9.9% 27 29 30 (13.9%)
Gross margin, % 91.22 91.64 87.28 80.20 86.30 91.46 89.69 73.07 66.53 68.37 69.59 (22.9) pt
EBT 5 6 5 7 9 11 10 9 7 8 8 +4.5%
EBT margin, % 25.40 26.49 20.34 23.96 24.84 35.12 30.04 23.20 16.59 16.14 15.98 (9.3) pt
Net income 4 4 4 7 8 9 9 9 7 8 8 +9.0%
Per share, $
Per share, $ Revenue 4.14 4.24 5.04 5.60 6.33 5.55 5.79 7.45 7.94 8.65 8.80 +8.5%
Earnings 0.72 0.73 0.82 1.19 1.39 1.62 1.50 1.57 1.27 1.34 1.38 +7.1%
Cash flow 0.85 0.92 1.16 1.56 1.72 1.50 1.55 1.72 1.52 1.90 1.26 +9.4%
Capex (0.46) (0.16) (0.16) (0.24) (0.46) (0.03) (0.07) (0.20) (1.75) (2.13) (2.00) +18.6%
Free cash flow 0.39 0.76 1.00 1.32 1.26 1.47 1.47 1.53 (0.23) (0.23) (0.74) n/m
Book value 8.69 8.81 10.23 10.84 12.52 13.09 10.89 11.58 11.45 12.84 13.17 +4.4%
Shares, m 5 5 5 6 5 5 5 5 6 5 5 +1.3%
Valuation, ×
Valuation, × P/E 18.80 18.83 13.94 12.02 9.48 10.28 9.78 8.49 10.24 10.71 10.36 12.3
P/S 3.23 3.09 2.27 2.56 2.08 3.00 2.55 1.79 1.64 1.66 1.62 2.4
P/B 1.54 1.49 1.12 1.32 1.05 1.27 1.36 1.15 1.13 1.12 1.09 1.3
EV/Sales 4.82 3.08 1.42 4.12 1.27 1.05 2.35 3.21 3.44 2.76 — 2.8
EV/FCF 51.02 17.20 7.16 17.45 6.40 3.97 9.24 15.64 (121.30) (103.63) — (9.7)
Cash, $m
Cash, $m Operating cash flow 4 5 6 9 9 8 8 9 8 10 7 +10.7%
Capex (2) (1) (1) (1) (2) 0 0 (1) (10) (12) (11) +20.1%
Free cash flow 2 4 5 7 7 8 8 8 (1) (1) (4) n/m
Balance, $m
Balance, $m Working capital 19 (15) (99) (98) (99) (85) (176) (124) (133) (133) (174) n/m
Net debt 32 0 (21) 48 (28) (59) (6) 58 79 52 33 +5.5%
Shareholders’ equity 43 44 51 60 68 72 60 64 63 71 72 +5.7%
Returns, %
Returns, % ROA 0.84 0.76 0.77 1.02 1.10 1.25 1.12 1.09 0.86 0.88 0.88 0.0 pt
ROIC 4.30 7.99 10.72 4.28 13.30 53.98 11.16 4.88 3.20 3.90 4.58 (0.4) pt
ROE 8.44 7.93 8.61 11.86 11.79 12.69 12.58 13.93 11.12 11.02 11.50 +2.6 pt
People
People Employees 140 126 132 132 132 124 125 126 126 133 — (0.6%)
Revenue/emp, $m 0.15 0.17 0.19 0.23 0.26 0.25 0.25 0.32 0.35 0.36 — +10.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

United Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FNWB First Northwest Bancorp $96.0M — (loss-making) 128× −3.97% (below 0%: shrinking) n/m −247.30% (below 0%: shrinking) 59.40% 0.00% Compare
AUBN Auburn National Bancorporation, Inc. $92.1M 10.7× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00% Compare
FDSB Fifth District Bancorp, Inc. $91.7M 52.0× — −34.40% (below 0%: shrinking) −86.89% (below 0%: shrinking) +457.01% (above 0%: growing) 65.53% 0.00% Compare
CPBI Central Plains Bancshares, Inc. $86.8M 17.5× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
FUSB FIRST US BANCSH $84.5M 11.9× — −0.42% (below 0%: shrinking) +9.09% (above 0%: growing) −0.33% (below 0%: shrinking) 67.30% 0.00% Compare
UBCP United Bancorp, Inc. $83.3M 10.4× 10.5× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00%
ASRV AmeriServ Financial Inc. $82.9M 9.6× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
SSBI Summit State Bank $77.1M 33.6× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
CLST Catalyst Bancorp, Inc. $72.4M 31.4× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 0.00% Compare
Median of peers $85.6M 17.5× — +1.63% +9.09% −19.73% 70.34% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 18 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 650.37k 707.13k 145.46
2024 940.03k 980.66k 123.35
2023 606.82k 590.39k 113.82

Ownership

Directors and executive officers, together 13.86%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

United Bancorp, Inc. (UBCP) Latest News

5 Nov

Impact 3 · · ACCESS Newswire

31 Aug

Impact 3 ·

29 Jul

Impact 3 ·

23 Jul

Impact 3 ·

14 May

Impact 3 · · Zacks

7 May

Impact 3 · · ACCESS Newswire

23 Apr

Impact 4 · · ACCESS Newswire

19 Feb

Impact 3 · · ACCESS Newswire

9 Feb

Impact 4 · · Zacks

3 Feb

Impact 3 · · ACCESS Newswire

1 Jan

Impact 3 · · Simply Wall St.

31 Dec

Impact 3 · · ZacksSimply Wall St.StockStoryBarchartStockStoryZacksZacksSimply Wall St.

20 Nov

Impact 3 · · ACCESS Newswire

12 Nov

Impact 4 · · Zacks

6 Nov

Impact 3 · · ACCESS NewswireGuruFocus.comZacksMT NewswiresStockStoryZacksZacksStockStory

26 Aug

Impact 4 · · Simply Wall St.

21 Aug

Impact 3 ·

6 Aug

Impact 4 ·

3 Aug

Impact 3 ·

31 Jul

Impact 3 ·

27 Jul

Impact 3 · · Insider Monkey

9 May

Impact 4 · · ACCESS Newswire

20 Apr

Impact 3 · · Simply Wall St.

17 Apr

Impact 3 · · ACCESS Newswire

19 Mar

Impact 3 · · Simply Wall St.

20 Feb

Impact 4 · · ACCESS Newswire

15 Feb

Impact 3 · · Simply Wall St.

7 Feb

Impact 3 · earnings

26 Nov

Impact 3 · · Simply Wall St.

21 Nov

Impact 3 ·
stockrow.com/UBCP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com