United Bancorp Inc /Oh/
UBCP Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$13.73
KIRA · Stoqly’s AI analyst, in plain words
- United Bancorp Inc /Oh/ had $26.5M of revenue in fiscal 2025, up 6.7% on the year before. Over five years, revenue changed +2.9% a year on average.
- United Bancorp Inc /Oh/ made $7.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.3% a year.
- United Bancorp Inc /Oh/ returned $5.8M to shareholders in fiscal 2025. The diluted share count fell 0.9%.
- It earned 11.6% on shareholders’ money. Running costs took 91.2% of revenue (the efficiency ratio; lower is better).
Market cap
$75.1M
P/E
9.9x
Revenue
$26.5M
Net income
$7.8M
Return on equity
11.6%
Efficiency ratio
91.2%
United Bancorp Inc /Oh/ in 30 seconds · fiscal 2025
Are sales growing?
+6.7%
Yes. Sales grew 6.7% last year.
Does it make a profit?
29.3%
Yes. It keeps 29.3% of every sale as profit.
How lean are its costs?
91.2%
Costly. Running costs take 91.2% of revenue.
How much does it earn on its capital?
11.6%
Fair. It earns 11.6% a year on shareholders’ money.
How is the share priced?
9.9x
One share costs 9.9 times its yearly profit per share.
What United Bancorp Inc /Oh/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 18, 2026
- Legal name
- UNITED BANCORP INC /OH/
- CIK
- 0000731653
United Bancorp Inc /Oh/ · UBCP
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $22.1M | $24.4M | $25.8M | $24.8M | $26.5M |
| Revenue growth | −3.4% | 10.3% | 5.9% | −4.0% | 6.7% |
| Net interest income | $22.1M | $24.4M | $25.8M | $24.8M | $26.5M |
| Net income | $9.5M | $8.7M | $9.0M | $7.4M | $7.8M |
| Net margin | 42.7% | 35.5% | 34.6% | 29.8% | 29.3% |
| Diluted EPS | $1.62 | $1.50 | $1.57 | $1.27 | $1.34 |
| Cash | |||||
| Cash from operations | $8.2M | $8.5M | $9.5M | $8.4M | $10.5M |
| Capital expenditure | $0.8M | $0.5M | $1.1M | $9.7M | $11.8M |
| Free cash flow | $7.4M | $8.0M | $8.4M | −$1.2M | −$1.3M |
| FCF margin | 33.5% | 32.7% | 32.4% | −5.0% | −5.0% |
| Dividends paid | $4.1M | $4.6M | $4.8M | $5.1M | $5.5M |
| Share buybacks | $0.1M | $0.8M | $0.7M | $0.7M | $0.3M |
| Share count change | 0.3% | 0.1% | 0.1% | 0.9% | −0.9% |
| Debt and strength | |||||
| Cash and short-term investments | $83.0M | $30.1M | $40.8M | $19.6M | $46.5M |
| Debt incl. finance leases | $15.7M | — | — | — | — |
| Loans, net | $451M | $459M | $479M | $487M | $487M |
| Deposits | $605M | $650M | $621M | $613M | $641M |
| Shareholders' equity | $71.7M | $59.7M | $63.6M | $63.5M | $70.5M |
| Returns and quality | |||||
| Return on equity | 13.5% | 13.2% | 14.5% | 11.7% | 11.6% |
| Return on tangible equity | 12.5% | 14.0% | 13.7% | 11.2% | 10.6% |
| Efficiency ratio | 83.2% | 81.6% | 80.7% | 87.4% | 91.2% |
| Piotroski F-score | 3 | — | — | — | — |
Insiders bought, 12 months
$0.2M
8 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
United Bancorp Inc /Oh/ · UBCP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $13.73 a share, the company is worth $75.1M: 9.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000731653). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.