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

14.20 0.32 −2.20%

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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

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	10.75	10.71	11.27	11.51
P/S ratio Full definition →		1.66	1.66	1.75	1.80
P/FCF ratio Full definition →		33.42	0.00	0.00	0.00
P/Operating CF Full definition →		24.23	32.22	314.32	83.89
P/B ratio Full definition →		1.15	1.12	1.24	1.21
Price to Tangible BV Full definition →		1.17	1.13	1.25	1.22
EV/Sales Full definition →		2.81	2.76	2.83	2.49
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		14.09	12.55	14.01	17.34
EV/FCF Full definition →		56.62	(103.63)	(55.22)	(29.57)
Quick Ratio Full definition →		0.07	0.07	0.04	0.06
Current Ratio Full definition →		0.78	0.80	0.75	0.76
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		11.41%	11.54%	9.19%	8.99%
Debt/Equity Full definition →		1.49	1.40	1.17	1.10
Asset Turnover Full definition →		0.05	0.06	0.06	0.06
Operating CF/Net income Full definition →		1.72	1.26	0.15	0.52
Capex/Depreciation Full definition →		(7.29)	(9.23)	(3.91)	(2.25)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		51.14%	54.81%	54.07%	53.99%
Intangible Assets out of Total Assets Full definition →		0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →		0.73%	0.73%	0.87%	0.81%
Graham Net Nets Full definition →		(3.37)	(3.16)	(3.15)	(3.03)
Graham Number Full definition →		18.83	19.68	19.31	20.22
Earnings Yield Full definition →		9.30%	9.34%	8.88%	8.69%
Free Cash Flow Yield Full definition →		2.99%	(1.61%)	(2.93%)	(4.66%)
Revenue per Share Full definition →		2.18	2.29	2.08	2.22
Operating CF per Share Full definition →		0.58	0.45	0.05	0.19
Capex per Share Full definition →		(0.62)	(0.79)	(0.37)	(0.21)
Free Cash Flow per Share Full definition →		(0.05)	(0.34)	(0.32)	(0.03)
Cash per Share Full definition →		8.32	8.47	4.96	8.40
Shareholders Equity per Share Full definition →		12.12	12.84	12.28	13.17
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		12.12	12.84	12.28	13.17
Free Cash Flow Full definition →		(0.26)	(1.88)	(1.78)	(0.14)
Working Capital Full definition →		(149.19)	(132.96)	(174.99)	(173.97)
Capital Expenditures Full definition →		(3.42)	(4.32)	(2.04)	(1.18)
Net Current Asset Value Full definition →		(258.77)	(249.12)	(263.73)	(263.52)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.29	0.34	0.18	0.10
Price to Operating Income Full definition →		10.26	10.28	11.04	11.29
Other line items
Average Payables Full definition →		630.51	627.43	645.37	664.95
Average Assets Full definition →		846.12	837.05	844.59	862.93
Average Common Equity Full definition →		65.97	66.99	64.15	65.87

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Columns are period end dates

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