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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. 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%
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%) (below 0%: weak)
This Y EPS Growth 0.75%
Next Y EPS Growth 20.00% (at or above 15%: strong)
Next Y revenue growth (43.06%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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 $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.

Source: company filings (standardised) and stockrow calculations.

United Bancorp, Inc. (UBCP) Latest News

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