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