Saturday 17 October 2026 Export UBCP’s income statement to Excel — free account

United Bancorp, Inc.

United Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $47.5 million, up 8.02% from fiscal 2024. In the quarter to June 2026, revenue grew 2.96%, EPS grew 9.09%, free cash flow fell 109.6% and total debt fell 20.2%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

13.40 0.12 −0.89%

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Market cap: $77.6M
P/E: 9.7×
Fwd P/E: 11.8×
Dividend yield: 5.78%
F-score: 9/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.17

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	8	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 13.03%

Capital & Financial Ratios $m

Market Cap 77.55

Revenue 48.17

Net Income 7.97

Free Cash Flow (4.05)

Net Debt 32.96

Current Ratio 0.76

Debt/Equity 1.10

P/E ratio 9.71

Fwd P/E 11.80

P/S ratio 1.52

P/B ratio 1.02

Past 5Y EPS Growth (0.73%)

This Y EPS Growth 0.75%

Next Y EPS Growth 20.00%

Next Y revenue growth (43.06%)

Next 5Y EPS Growth 10.74%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 28.23%

10-year low 10-year high

P/S against its own 10 years 1.51%

10-year low 10-year high

P/B against its own 10 years 6.23%

10-year low 10-year high

Dividends

Payout Ratio 0.56

Annual Dividend Rate 0.78

Annual Dividend Yield 5.78%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.95	0.19 0.20 0.20
2025	0.92	0.18 0.19 0.19 0.19
2024	0.71	0.17 0.18 0.18 0.18
2023	0.50	0.15 0.17 0.17 0.17
2022	0.63	0.15 0.16 0.16 0.16
2021	0.59	0.14 0.15 0.15 0.15
2020	0.57	0.14 0.14 0.14 0.14
2019	0.55	0.13 0.14 0.14 0.14
2018	0.52	0.13 0.13 0.13 0.13
2017	0.34	0.11 0.11 0.12 0.05
2016	0.42	0.10 0.10 0.11 0.11

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	8.72	10.20	10.25	10.25	7.64	12.71	14.35	9.70	11.40	12.25	Analyst estimates 2026–2028 Powerpack
	High	15.25	13.72	14.00	15.56	14.89	17.10	20.83	16.00	15.50	15.64
People
People	Employees	140	126	132	132	132	124	125	126	126	133
	Revenue/emp, $m	0.15	0.17	0.19	0.23	0.26	0.25	0.25	0.32	0.35	0.36
Income, $m
Income, $m	Revenue	20	21	25	31	35	30	32	41	44	48
	Gross margin, %	91.22	91.64	87.28	80.20	86.30	91.46	89.69	73.07	66.53	68.37
	EBT	5	6	5	7	9	11	10	9	7	8
	EBT margin, %	25.40	26.49	20.34	23.96	24.84	35.12	30.04	23.20	16.59	16.14
	Net income	4	4	4	7	8	9	9	9	7	8
	Depreciation	1	1	1	2	2	2	2	2	2	2
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
	Earnings	0.72	0.73	0.82	1.19	1.39	1.62	1.50	1.57	1.27	1.34
	Cash flow	0.85	0.92	1.16	1.56	1.72	1.50	1.55	1.72	1.52	1.90
	Capex	(0.46)	(0.16)	(0.16)	(0.24)	(0.46)	(0.03)	(0.07)	(0.20)	(1.75)	(2.13)
	Free cash flow	0.39	0.76	1.00	1.32	1.26	1.47	1.47	1.53	(0.23)	(0.23)
	Book value	8.69	8.81	10.23	10.84	12.52	13.09	10.89	11.58	11.45	12.84
	Shares, m	5	5	5	6	5	5	5	5	6	5
Valuation, ×
Valuation, ×	P/E	18.80	18.83	13.94	12.02	9.48	10.28	9.78	8.49	10.24	10.71
	P/S	3.23	3.09	2.27	2.56	2.08	3.00	2.55	1.79	1.64	1.66
	P/B	1.54	1.49	1.12	1.32	1.05	1.27	1.36	1.15	1.13	1.12
	EV/Sales	4.82	3.08	1.42	4.12	1.27	1.05	2.35	3.21	3.44	2.76
	EV/FCF	51.02	17.20	7.16	17.45	6.40	3.97	9.24	15.64	(121.30)	(103.63)
Cash, $m
Cash, $m	Operating cash flow	4	5	6	9	9	8	8	9	8	10
	Capex	(2)	(1)	(1)	(1)	(2)	0	0	(1)	(10)	(12)
	Free cash flow	2	4	5	7	7	8	8	8	(1)	(1)
Balance, $m
Balance, $m	Working capital	19	(15)	(99)	(98)	(99)	(85)	(176)	(124)	(133)	(133)
	Total debt	44	14	4	63	24	24	24	99	99	99
	Net debt	32	0	(21)	48	(28)	(59)	(6)	58	79	52
	Shareholders’ equity	43	44	51	60	68	72	60	64	63	71
Returns, %
Returns, %	ROA	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
	ROE	8.44	7.93	8.61	11.86	11.79	12.69	12.58	13.93	11.12	11.02

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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	$91.6M	59.7×	51.6×	−6.28% (below 0%: shrinking)	−92.86% (below 0%: shrinking)	−85.97% (below 0%: shrinking)	58.91%	0.00%	Compare
FUSB FIRST US BANCSH	$90.6M	12.2×	—	+1.73% (above 0%: growing)	+933.33% (above 0%: growing)	−118.35% (below 0%: shrinking)	67.72%	0.00%	Compare
FDSB Fifth District Bancorp, Inc.	$88.4M	49.7×	—	−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.	$82.6M	16.8×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
SSBI Summit State Bank	$81.7M	36.5×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
UBCP United Bancorp, Inc.	$77.6M	9.7×	11.8×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%
ASRV AmeriServ Financial Inc.	$75.7M	8.9×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
HFBL Home Federal Bancorp, Inc. of Louisiana	$73.1M	11.8×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%	Compare
CLST Catalyst Bancorp, Inc.	$68.0M	29.8×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	0.00%	Compare
Median of peers	$82.1M	23.3×	—	+2.70%	+15.11%	−50.10%	70.34%	0.00%

All 323 Banks Regional stocks →

United Bancorp, Inc. (UBCP) key facts

Strength: United Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $47.5 million, up 8.02% from fiscal 2024.
United Bancorp, Inc. (UBCP) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, UBCP traded at $13.40, a market capitalization of $77.6 million.
United Bancorp, Inc. pays an annual dividend of $0.78 per share, a yield of 5.78%, with a payout ratio of 56.2%.
Return on equity was 11.0% and debt-to-equity 1.10.
Its Piotroski F-score is 9 out of 9 for fiscal 2025.