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Friday 6 November 2026
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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
14.27
0.25
−1.72%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.80 | 18.83 | 13.94 | 12.02 | 9.48 | 10.28 | 9.78 | 8.49 | 10.24 | 10.71 |
Piotroski F-Score |
6 | 5 | 7 | 6 | 9 | 6 | 4 | 5 | 5 | 9 |
P/S ratio |
3.23 | 3.09 | 2.27 | 2.56 | 2.08 | 3.00 | 2.55 | 1.79 | 1.64 | 1.66 |
P/FCF ratio |
34.13 | 17.24 | 11.39 | 10.82 | 10.47 | 11.36 | 10.02 | 8.72 | 0.00 | 0.00 |
P/Operating CF |
51.11 | 35.74 | 31.17 | 33.06 | 25.25 | 49.24 | 25.96 | 26.95 | 59.42 | 32.22 |
P/B ratio |
1.54 | 1.49 | 1.12 | 1.32 | 1.05 | 1.27 | 1.36 | 1.15 | 1.13 | 1.12 |
Price to Tangible BV |
1.54 | 1.49 | 1.16 | 1.35 | 1.07 | 1.30 | 1.38 | 1.17 | 1.15 | 1.13 |
EV/Sales |
4.82 | 3.08 | 1.42 | 4.12 | 1.27 | 1.05 | 2.35 | 3.21 | 3.44 | 2.76 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
23.45 | 14.25 | 6.18 | 14.78 | 4.69 | 3.90 | 8.80 | 13.86 | 17.90 | 12.55 |
EV/FCF |
51.02 | 17.20 | 7.16 | 17.45 | 6.40 | 3.97 | 9.24 | 15.64 | (121.30) | (103.63) |
Quick Ratio |
0.03 | 0.04 | 0.05 | 0.03 | 0.09 | 0.13 | 0.05 | 0.06 | 0.03 | 0.07 |
Current Ratio |
1.05 | 0.96 | 0.81 | 0.82 | 0.83 | 0.86 | 0.74 | 0.81 | 0.79 | 0.80 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.04% | 3.08% | 0.71% | 9.24% | 3.40% | 3.27% | 3.13% | 12.06% | 12.10% | 11.54% |
Debt/Equity |
1.03 | 0.32 | 0.08 | 1.06 | 0.35 | 0.33 | 0.40 | 1.55 | 1.56 | 1.40 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
1.18 | 1.33 | 1.41 | 1.31 | 1.24 | 0.92 | 1.03 | 1.10 | 1.20 | 1.42 |
Capex/Depreciation |
(2.13) | (0.65) | (0.55) | (0.72) | (1.22) | (0.09) | (0.23) | (0.62) | (5.62) | (6.40) |
| 8.44% | 7.93% | 8.61% | 11.86% | 11.79% | 12.69% | 12.58% | 13.93% | 11.12% | 11.02% | |
| 0.84% | 0.76% | 0.77% | 1.02% | 1.10% | 1.25% | 1.12% | 1.09% | 0.86% | 0.88% | |
ROIC |
4.30% | 7.99% | 10.72% | 4.28% | 13.30% | 53.98% | 11.16% | 4.88% | 3.20% | 3.90% |
Return on Tangible Assets |
11.66% | (97.03%) | (4.69%) | (7.66%) | (8.83%) | (12.33%) | (5.06%) | (7.88%) | (6.45%) | (7.47%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
65.82% | 65.15% | 66.93% | 55.75% | 61.02% | 55.85% | 59.18% | 49.49% | 49.60% | 51.97% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.72% | 0.77% | 1.15% | 0.95% | 0.94% | 1.36% | 3.17% | 1.61% | 2.01% | 0.75% |
Graham Net Nets |
(0.44) | (0.52) | (1.91) | (2.14) | (1.84) | (1.28) | (2.54) | (3.17) | (3.36) | (3.16) |
Graham Number |
11.78 | 11.74 | 13.74 | 17.04 | 19.79 | 21.84 | 19.24 | 20.23 | 18.09 | 19.68 |
Earnings Yield |
5.32% | 5.31% | 7.17% | 8.32% | 10.55% | 9.72% | 10.22% | 11.78% | 9.77% | 9.34% |
Free Cash Flow Yield |
2.93% | 5.80% | 8.78% | 9.24% | 9.55% | 8.81% | 9.98% | 11.47% | (1.73%) | (1.61%) |
Revenue per Share |
4.14 | 4.24 | 5.04 | 5.60 | 6.33 | 5.55 | 5.79 | 7.45 | 7.94 | 8.65 |
Operating CF per Share |
0.85 | 0.92 | 1.16 | 1.56 | 1.72 | 1.50 | 1.55 | 1.72 | 1.52 | 1.90 |
Capex per Share |
(0.46) | (0.16) | (0.16) | (0.24) | (0.46) | (0.03) | (0.07) | (0.20) | (1.75) | (2.13) |
Free Cash Flow per Share |
0.39 | 0.76 | 1.00 | 1.32 | 1.26 | 1.47 | 1.47 | 1.53 | (0.23) | (0.23) |
Cash per Share |
2.35 | 2.87 | 5.10 | 2.71 | 9.45 | 15.15 | 5.49 | 7.43 | 3.54 | 8.47 |
Shareholders Equity per Share |
8.69 | 8.81 | 10.23 | 10.84 | 12.52 | 13.09 | 10.89 | 11.58 | 11.45 | 12.84 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
8.69 | 8.81 | 10.23 | 10.84 | 12.52 | 13.09 | 10.89 | 11.58 | 11.45 | 12.84 |
Free Cash Flow |
1.92 | 3.79 | 4.97 | 7.30 | 6.87 | 8.04 | 8.08 | 8.39 | (1.25) | (1.27) |
Working Capital |
18.57 | (15.28) | (98.82) | (97.98) | (99.37) | (84.79) | (175.71) | (124.05) | (133.11) | (132.96) |
Capital Expenditures |
(2.26) | (0.78) | (0.78) | (1.32) | (2.50) | (0.16) | (0.40) | (1.07) | (9.69) | (11.72) |
Net Current Asset Value |
(28.62) | (33.66) | (107.88) | (168.78) | (132.20) | (116.71) | (205.36) | (231.67) | (242.32) | (249.12) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.11 | 0.04 | 0.03 | 0.04 | 0.07 | 0.01 | 0.01 | 0.03 | 0.22 | 0.25 |
Price to Operating Income |
12.74 | 11.70 | 11.12 | 10.67 | 8.38 | 8.54 | 8.49 | 7.71 | 9.87 | 10.28 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.09 | 0.10 | 0.12 | 0.15 | 0.15 | 0.14 | 0.14 | 0.11 | 0.07 | 0.05 |
Cash ROIC |
1.96% | 5.23% | 6.20% | 5.28% | 4.79% | 4.50% | 7.12% | 4.13% | (0.69%) | (0.59%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
69,317.88 | 79,862.58 | 60,348.24 | 32,671.11 | 44,683.20 | 85,082.68 | 72,477.31 | 20,594.93 | 15,211.28 | 15,576.46 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
331.21 | 362.38 | 455.70 | 536.76 | 563.80 | 592.34 | 627.52 | 635.69 | 617.48 | 627.43 |
Average Assets |
421.57 | 448.68 | 526.27 | 639.46 | 689.55 | 708.93 | 740.93 | 788.42 | 818.05 | 837.05 |
Average Common Equity |
42.07 | 43.27 | 47.27 | 55.28 | 64.13 | 70.01 | 65.72 | 61.67 | 63.53 | 66.99 |
Columns are period end dates