United Bancorp Inc Ohio Financials

UBCP

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows United Bancorp Inc Ohio (UBCP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 24/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

United Bancorp Inc Ohio's revenue grew 7.3% year-over-year to $39.5M, a solid pace of expansion. This earns a growth score of 49/100.

Leverage

United Bancorp Inc Ohio has elevated debt relative to equity (D/E of 11.87), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

While United Bancorp Inc Ohio generated $8.4M in operating cash flow, capex of $9.7M consumed most of it, leaving -$1.2M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.

Returns

United Bancorp Inc Ohio's ROE of 11.7% shows moderate profitability relative to equity, earning a score of 47/100. This is down from 14.1% the prior year.

Piotroski F-Score Neutral

4/9

United Bancorp Inc Ohio passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.14x

For every $1 of reported earnings, United Bancorp Inc Ohio generates $1.14 in operating cash flow ($8.4M OCF vs $7.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$39.5M

YoY+7.3%

5Y CAGR+7.9%

10Y CAGR+9.2%

United Bancorp Inc Ohio generated $39.5M in revenue in fiscal year 2024. This represents an increase of 7.3% from the prior year.

EBITDA

N/A

Free Cash Flow

-$1.2M

YoY-114.9%

United Bancorp Inc Ohio generated -$1.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 114.9% from the prior year.

Net Income

$7.4M

YoY-17.3%

5Y CAGR+1.7%

10Y CAGR+10.8%

United Bancorp Inc Ohio reported $7.4M in net income in fiscal year 2024. This represents a decrease of 17.3% from the prior year.

EPS (Diluted)

$1.27

YoY-19.1%

5Y CAGR+1.3%

United Bancorp Inc Ohio earned $1.27 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 19.1% from the prior year.

Cash & Debt

$19.6M

YoY-51.9%

5Y CAGR+5.5%

10Y CAGR-6.7%

United Bancorp Inc Ohio held $19.6M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.85

YoY+4.9%

5Y CAGR+9.4%

United Bancorp Inc Ohio paid $0.85 per share in dividends in fiscal year 2024. This represents an increase of 4.9% from the prior year.

Shares Outstanding

YoY+1.6%

5Y CAGR+0.2%

United Bancorp Inc Ohio had 6M shares outstanding in fiscal year 2024. This represents an increase of 1.6% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.7%

YoY-5.6pp

5Y CAGR-6.5pp

10Y CAGR+2.5pp

United Bancorp Inc Ohio's net profit margin was 18.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 5.6 percentage points from the prior year.

Return on Equity

11.7%

YoY-2.4pp

5Y CAGR+0.3pp

10Y CAGR+5.1pp

United Bancorp Inc Ohio's ROE was 11.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 2.4 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$687K

YoY-6.3%

5Y CAGR+10.6%

United Bancorp Inc Ohio spent $687K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 6.3% from the prior year.

Capital Expenditures

$9.7M

YoY+796.9%

5Y CAGR+48.6%

10Y CAGR+41.1%

United Bancorp Inc Ohio invested $9.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 796.9% from the prior year.

UBCP Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$39.5M+7.3%	$36.8M+33.2%	$27.7M+12.0%	$24.7M-10.6%	$27.6M+2.2%	$27.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$14.7M+33.7%	$11.0M+236.5%	$3.3M+26.1%	$2.6M-45.2%	$4.7M-22.7%	$6.1M
Income Tax	-$107K-119.8%	$541K-38.5%	$879K-28.5%	$1.2M+95.5%	$629K+5.0%	$599K
Net Income	$7.4M-17.3%	$8.9M+3.4%	$8.7M-8.4%	$9.5M+18.8%	$8.0M+16.8%	$6.8M
EPS (Diluted)	$1.27-19.1%	$1.57+4.7%	$1.50-7.4%	$1.62+16.5%	$1.39+16.8%	$1.19

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$10.6M+2.2%	$10.4M+5.8%	$9.8M-2.3%	$10.1M+1.3%	$9.9M+0.7%	$9.9M+2.7%	$9.6M-0.9%	$9.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.9M+2.4%	$3.8M+6.1%	$3.6M-3.7%	$3.7M-1.9%	$3.8M+3.5%	$3.7M+4.8%	$3.5M+9.5%	$3.2M
Income Tax	-$20K-190.9%	$22K+184.6%	-$26K+60.6%	-$66K-3.1%	-$64K+49.6%	-$127K-184.7%	$150K-25.7%	$202K
Net Income	$1.9M+0.9%	$1.9M+2.2%	$1.9M+1.2%	$1.8M+1.6%	$1.8M+4.7%	$1.7M-12.7%	$2.0M-16.6%	$2.4M
EPS (Diluted)	$0.34+3.0%	$0.330.0%	$0.33+6.5%	$0.310.0%	$0.31+3.3%	$0.30-14.3%	$0.35-16.7%	$0.42

UBCP Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$816.7M-0.3%	$819.4M+8.2%	$757.4M+4.5%	$724.5M+4.5%	$693.4M+1.1%	$685.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$19.6M-51.9%	$40.8M+35.5%	$30.1M-63.8%	$83.0M+60.9%	$51.6M+244.3%	$15.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K
Total Liabilities	$753.2M-0.4%	$755.9M+8.3%	$697.7M+6.9%	$652.8M+4.4%	$625.1M-0.1%	$625.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$63.5M-0.2%	$63.6M+6.5%	$59.7M-16.7%	$71.7M+4.9%	$68.3M+14.0%	$59.9M
Retained Earnings	$46.3M+5.2%	$44.0M+4.9%	$41.9M+10.8%	$37.8M+16.5%	$32.5M+16.5%	$27.9M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$866.8M+2.2%	$847.9M+2.1%	$830.7M+1.7%	$816.7M-1.1%	$825.5M+0.4%	$821.8M-1.5%	$834.0M+1.8%	$819.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$45.7M-8.1%	$49.7M+36.5%	$36.4M+85.7%	$19.6M-48.1%	$37.8M+0.6%	$37.6M-19.9%	$46.9M+15.0%	$40.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K
Total Liabilities	$800.3M+1.5%	$788.2M+2.4%	$769.9M+2.2%	$753.2M-0.9%	$760.0M-0.2%	$761.2M-1.2%	$770.8M+2.0%	$755.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$66.5M+11.4%	$59.7M-1.9%	$60.8M-4.2%	$63.5M-3.1%	$65.5M+8.0%	$60.6M-4.1%	$63.2M-0.6%	$63.6M
Retained Earnings	$47.7M+1.7%	$46.9M+1.8%	$46.0M-0.6%	$46.3M+1.7%	$45.5M+1.7%	$44.8M+1.6%	$44.1M+0.1%	$44.0M

UBCP Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$8.4M-10.7%	$9.5M+11.6%	$8.5M+3.5%	$8.2M-12.6%	$9.4M+8.7%	$8.6M
Capital Expenditures	$9.7M+796.9%	$1.1M+111.5%	$511K-34.2%	$777K-69.2%	$2.5M+88.5%	$1.3M
Free Cash Flow	-$1.2M-114.9%	$8.4M+5.2%	$8.0M+7.5%	$7.4M+8.2%	$6.9M-5.9%	$7.3M
Investing Cash Flow	-$19.5M+59.8%	-$48.5M+53.1%	-$103.3M-8440.6%	-$1.2M-103.6%	$33.7M+135.1%	-$95.8M
Financing Cash Flow	-$10.1M-120.4%	$49.7M+18.7%	$41.9M+71.4%	$24.4M+479.8%	-$6.4M-108.4%	$76.9M
Dividends Paid	$5.1M+6.8%	$4.8M+5.0%	$4.6M+11.2%	$4.1M+22.0%	$3.4M+4.2%	$3.2M
Share Buybacks	$687K-6.3%	$733K-4.4%	$767K+965.3%	$72K-86.3%	$526K+26.4%	$416K

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$3.2M-16.3%	$3.8M+255.4%	$1.1M-12.2%	$1.2M-72.5%	$4.4M+658.9%	-$789K-121.8%	$3.6M+33.1%	$2.7M
Capital Expenditures	$3.5M+52.4%	$2.3M+39.7%	$1.7M+421.9%	-$515K-108.5%	$6.1M+737.8%	$727K-78.6%	$3.4M+2529.5%	$129K
Free Cash Flow	-$367K-125.1%	$1.5M+346.5%	-$594K-185.2%	$697K+141.5%	-$1.7M-10.9%	-$1.5M-779.8%	$223K-91.4%	$2.6M
Investing Cash Flow	-$18.3M-195.2%	-$6.2M-2352.0%	$275K+102.7%	-$10.3M-603.4%	-$1.5M-159.1%	$2.5M+124.2%	-$10.2M+56.5%	-$23.5M
Financing Cash Flow	$11.1M-29.4%	$15.7M+1.5%	$15.5M+269.5%	-$9.1M-232.5%	-$2.7M+75.0%	-$11.0M-186.5%	$12.7M+235.7%	-$9.4M
Dividends Paid	$1.1M+1.2%	$1.1M-48.2%	$2.1M+98.8%	$1.1M+1.1%	$1.1M+1.9%	$1.0M-46.3%	$1.9M+93.2%	$1.0M
Share Buybacks	$0-100.0%	$80K+63.3%	$49K	$0-100.0%	$16K+6.7%	$15K-97.7%	$656K	$0

UBCP Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.7%-5.6pp	24.3%-7.0pp	31.3%-7.0pp	38.3%+9.5pp	28.8%+3.6pp	25.2%
Return on Equity	11.7%-2.4pp	14.1%-0.4pp	14.5%+1.3pp	13.2%+1.5pp	11.6%+0.3pp	11.4%
Return on Assets	0.9%-0.2pp	1.1%-0.1pp	1.1%-0.2pp	1.3%+0.1pp	1.1%+0.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.87-0.0	11.89+0.2	11.68+2.6	9.10-0.0	9.15-1.3	10.44
FCF Margin	-3.2%-25.9pp	22.8%-6.1pp	28.8%-1.2pp	30.0%+5.2pp	24.8%-2.1pp	26.9%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.2%-0.2pp	18.4%-0.6pp	19.0%+0.7pp	18.4%+0.1pp	18.3%+0.7pp	17.6%-3.1pp	20.7%-3.9pp	24.6%
Return on Equity	2.9%-0.3pp	3.2%+0.1pp	3.1%+0.2pp	2.9%+0.1pp	2.8%-0.1pp	2.9%-0.3pp	3.1%-0.6pp	3.8%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.04-1.2	13.21+0.6	12.66+0.8	11.87+0.3	11.61-1.0	12.56+0.4	12.20+0.3	11.89
FCF Margin	-3.5%-17.5pp	14.1%+20.1pp	-6.0%-13.0pp	6.9%+23.8pp	-16.9%-1.6pp	-15.3%-17.7pp	2.3%-24.3pp	26.7%

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Frequently Asked Questions

What is United Bancorp Inc Ohio's annual revenue?

United Bancorp Inc Ohio (UBCP) reported $39.5M in total revenue for fiscal year 2024. This represents a 7.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is United Bancorp Inc Ohio's revenue growing?

United Bancorp Inc Ohio (UBCP) revenue grew by 7.3% year-over-year, from $36.8M to $39.5M in fiscal year 2024.

Is United Bancorp Inc Ohio profitable?

Yes, United Bancorp Inc Ohio (UBCP) reported a net income of $7.4M in fiscal year 2024, with a net profit margin of 18.7%.

What is United Bancorp Inc Ohio's earnings per share (EPS)?

United Bancorp Inc Ohio (UBCP) reported diluted earnings per share of $1.27 for fiscal year 2024. This represents a -19.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is United Bancorp Inc Ohio's net profit margin?

United Bancorp Inc Ohio (UBCP) had a net profit margin of 18.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does United Bancorp Inc Ohio pay dividends?

Yes, United Bancorp Inc Ohio (UBCP) paid $0.85 per share in dividends during fiscal year 2024.

What is United Bancorp Inc Ohio's return on equity (ROE)?

United Bancorp Inc Ohio (UBCP) has a return on equity of 11.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is United Bancorp Inc Ohio's free cash flow?

United Bancorp Inc Ohio (UBCP) generated -$1.2M in free cash flow during fiscal year 2024. This represents a -114.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is United Bancorp Inc Ohio's operating cash flow?

United Bancorp Inc Ohio (UBCP) generated $8.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are United Bancorp Inc Ohio's total assets?

United Bancorp Inc Ohio (UBCP) had $816.7M in total assets as of fiscal year 2024, including both current and long-term assets.

What are United Bancorp Inc Ohio's capital expenditures?

United Bancorp Inc Ohio (UBCP) invested $9.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does United Bancorp Inc Ohio buy back shares?

Yes, United Bancorp Inc Ohio (UBCP) spent $687K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does United Bancorp Inc Ohio have outstanding?

United Bancorp Inc Ohio (UBCP) had 6M shares outstanding as of fiscal year 2024.

What is United Bancorp Inc Ohio's debt-to-equity ratio?

United Bancorp Inc Ohio (UBCP) had a debt-to-equity ratio of 11.87 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is United Bancorp Inc Ohio's return on assets (ROA)?

United Bancorp Inc Ohio (UBCP) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is United Bancorp Inc Ohio's Piotroski F-Score?

United Bancorp Inc Ohio (UBCP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are United Bancorp Inc Ohio's earnings high quality?

United Bancorp Inc Ohio (UBCP) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is United Bancorp Inc Ohio?

United Bancorp Inc Ohio (UBCP) scores 24 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.