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

United Bancorp Inc Ohio (UBCP) reported diluted earnings per share of $1.34 for fiscal year 2025. This represents a 5.5% 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.

United Bancorp Inc Ohio Financials

UBCP

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 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 16 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).

Rhea AI UBCP FY2025 2026-05-14

Balance-sheet growth expanded reported revenue, but rising funding costs and heavy leverage kept profitability from following.

Between FY2021 and FY2025, interest expense rose from $2.6M to $15.0M, absorbing much of the benefit from a larger earning-asset base. Over the same span, revenue increased by $16.8M while net income fell by $1.7M, which shows this business became bigger without becoming more efficient for each dollar of assets or funding.

In FY2025, operating cash flow of $10.5M exceeded net income of $7.8M, so accounting profit still turned into cash at the operating level. Free cash flow was still -$1.3M because capital spending reached $11.8M, meaning internal cash generation did not fully cover reinvestment and shareholder payouts.

FY2025 ended with $857.4M of assets supported by only $70.5M of equity, a balance-sheet posture that depends on liabilities to do most of the funding. That is why ROE stayed at 11.0% even though ROA was just 0.9%: shareholder returns are being amplified by leverage, not by unusually high profit extracted from the asset base.

Financial Health Signals

Financial Profile 18/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of United Bancorp Inc Ohio's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

United Bancorp Inc Ohio's revenue grew 5.0% year-over-year to $41.5M, a solid pace of expansion. This earns a growth score of 44/100.

Leverage

United Bancorp Inc Ohio has elevated debt relative to equity (D/E of 11.16), 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 $10.5M in operating cash flow, capex of $11.8M consumed most of it, leaving -$1.3M in free cash flow. This results in a low score of 30/100, reflecting heavy capital investment rather than weak cash generation.

Returns

United Bancorp Inc Ohio's ROE of 11.0% shows moderate profitability relative to equity, earning a score of 37/100. This is down from 11.7% 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, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.35x

For every $1 of reported earnings, United Bancorp Inc Ohio generates $1.35 in operating cash flow ($10.5M OCF vs $7.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$41.5M

YoY+5.0%

5Y CAGR+8.5%

10Y CAGR+9.9%

United Bancorp Inc Ohio generated $41.5M in revenue in fiscal year 2025. This represents an increase of 5.0% from the prior year.

EBITDA

N/A

Net Income

$7.8M

YoY+4.7%

5Y CAGR-0.5%

10Y CAGR+9.2%

United Bancorp Inc Ohio reported $7.8M in net income in fiscal year 2025. This represents an increase of 4.7% from the prior year.

EPS (Diluted)

$1.34

YoY+5.5%

5Y CAGR-0.7%

United Bancorp Inc Ohio earned $1.34 per diluted share (EPS) in fiscal year 2025. This represents an increase of 5.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$1.3M

YoY-6.0%

United Bancorp Inc Ohio generated -$1.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 6.0% from the prior year.

Cash & Debt

$46.5M

YoY+137.3%

5Y CAGR-2.0%

10Y CAGR+13.9%

United Bancorp Inc Ohio held $46.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.92

YoY+7.6%

5Y CAGR+10.0%

United Bancorp Inc Ohio paid $0.92 per share in dividends in fiscal year 2025. This represents an increase of 7.6% from the prior year.

Shares Outstanding

YoY-0.6%

5Y CAGR-0.1%

United Bancorp Inc Ohio had 6M shares outstanding in fiscal year 2025. This represents a decrease of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.7%

YoY-0.0pp

5Y CAGR-10.1pp

10Y CAGR-1.4pp

United Bancorp Inc Ohio's net profit margin was 18.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.0 percentage points from the prior year.

Return on Equity

11.0%

YoY-0.7pp

5Y CAGR-0.7pp

10Y CAGR+3.2pp

United Bancorp Inc Ohio's ROE was 11.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$317K

YoY-53.9%

5Y CAGR-9.6%

United Bancorp Inc Ohio spent $317K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 53.9% from the prior year.

Capital Expenditures

$11.8M

YoY+21.5%

5Y CAGR+36.1%

10Y CAGR+24.6%

United Bancorp Inc Ohio invested $11.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 21.5% from the prior year.

UBCP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$41.5M+5.0%	$39.5M+7.3%	$36.8M+33.2%	$27.7M+12.0%	$24.7M-10.6%	$27.6M
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	$11.8M+17.3%	$10.1M-1.8%	$10.3M-0.3%	$10.3M+6.3%	$9.7M+4.2%	$9.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$15.0M+2.1%	$14.7M+33.7%	$11.0M+236.5%	$3.3M+26.1%	$2.6M-45.2%	$4.7M
Income Tax	-$86K+19.6%	-$107K-119.8%	$541K-38.5%	$879K-28.5%	$1.2M+95.5%	$629K
Net Income	$7.8M+4.7%	$7.4M-17.3%	$8.9M+3.4%	$8.7M-8.4%	$9.5M+18.8%	$8.0M
EPS (Diluted)	$1.34+5.5%	$1.27-19.1%	$1.57+4.7%	$1.50-7.4%	$1.62+16.5%	$1.39

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$10.0M-5.5%	$10.6M-0.3%	$10.6M+2.2%	$10.4M+5.8%	$9.8M-2.3%	$10.1M+1.3%	$9.9M+0.7%	$9.9M
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	$3.0M-55.4%	$6.7M+120.7%	$3.0M+6.3%	$2.9M+1.1%	$2.8M-49.6%	$5.6M+104.2%	$2.8M+3.1%	$2.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.5M-5.6%	$3.7M-5.0%	$3.9M+2.4%	$3.8M+6.1%	$3.6M-3.7%	$3.7M-1.9%	$3.8M+3.5%	$3.7M
Income Tax	-$160K-158.1%	-$62K-210.0%	-$20K-190.9%	$22K+184.6%	-$26K+60.6%	-$66K-3.1%	-$64K+49.6%	-$127K
Net Income	$1.9M-6.1%	$2.0M+5.4%	$1.9M+0.9%	$1.9M+2.2%	$1.9M+1.2%	$1.8M+1.6%	$1.8M+4.6%	$1.7M
EPS (Diluted)	$0.33-5.7%	$0.35+2.9%	$0.34+3.0%	$0.33+3.1%	$0.32+3.2%	$0.310.0%	$0.31+3.3%	$0.30

UBCP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$857.4M+5.0%	$816.7M-0.3%	$819.4M+8.2%	$757.4M+4.5%	$724.5M+4.5%	$693.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$46.5M+137.3%	$19.6M-51.9%	$40.8M+35.5%	$30.1M-63.8%	$83.0M+60.9%	$51.6M
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	$786.9M+4.5%	$753.2M-0.4%	$755.9M+8.3%	$697.7M+6.9%	$652.8M+4.4%	$625.1M
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	$70.5M+11.1%	$63.5M-0.2%	$63.6M+6.5%	$59.7M-16.7%	$71.7M+4.9%	$68.3M
Retained Earnings	$48.6M+4.9%	$46.3M+5.2%	$44.0M+4.9%	$41.9M+10.8%	$37.8M+16.5%	$32.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$858.5M+0.1%	$857.4M-1.1%	$866.8M+2.2%	$847.9M+2.1%	$830.7M+1.7%	$816.7M-1.1%	$825.5M+0.4%	$821.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$27.2M-41.5%	$46.5M+1.9%	$45.7M-8.1%	$49.7M+36.5%	$36.4M+85.7%	$19.6M-48.1%	$37.8M+0.6%	$37.6M
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	$791.0M+0.5%	$786.9M-1.7%	$800.3M+1.5%	$788.2M+2.4%	$769.9M+2.2%	$753.2M-0.9%	$760.0M-0.2%	$761.2M
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	$67.5M-4.3%	$70.5M+6.1%	$66.5M+11.4%	$59.7M-1.9%	$60.8M-4.2%	$63.5M-3.1%	$65.5M+8.0%	$60.6M
Retained Earnings	$48.3M-0.6%	$48.6M+1.9%	$47.7M+1.7%	$46.9M+1.8%	$46.0M-0.6%	$46.3M+1.7%	$45.5M+1.7%	$44.8M

UBCP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$10.5M+23.8%	$8.4M-10.7%	$9.5M+11.6%	$8.5M+3.5%	$8.2M-12.6%	$9.4M
Capital Expenditures	$11.8M+21.5%	$9.7M+796.9%	$1.1M+111.5%	$511K-34.2%	$777K-69.2%	$2.5M
Free Cash Flow	-$1.3M-6.0%	-$1.2M-114.9%	$8.4M+5.2%	$8.0M+7.5%	$7.4M+8.2%	$6.9M
Investing Cash Flow	-$4.5M+76.8%	-$19.5M+59.8%	-$48.5M+53.1%	-$103.3M-8440.6%	-$1.2M-103.6%	$33.7M
Financing Cash Flow	$21.0M+306.8%	-$10.1M-120.4%	$49.7M+18.7%	$41.9M+71.4%	$24.4M+479.8%	-$6.4M
Dividends Paid	$5.5M+7.3%	$5.1M+6.8%	$4.8M+5.0%	$4.6M+11.2%	$4.1M+22.0%	$3.4M
Share Buybacks	$317K-53.9%	$687K-6.3%	$733K-4.4%	$767K+965.3%	$72K-86.3%	$526K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$266K-89.1%	$2.4M-22.7%	$3.2M-16.3%	$3.8M+255.4%	$1.1M-12.2%	$1.2M-72.5%	$4.4M+658.9%	-$789K
Capital Expenditures	$2.0M-52.1%	$4.3M+20.9%	$3.5M+52.4%	$2.3M+39.7%	$1.7M+421.9%	-$515K-108.5%	$6.1M+737.8%	$727K
Free Cash Flow	-$1.8M+2.6%	-$1.8M-397.3%	-$367K-125.1%	$1.5M+346.5%	-$594K-185.2%	$697K+141.5%	-$1.7M-10.9%	-$1.5M
Investing Cash Flow	-$28.5M-244.6%	$19.7M+207.7%	-$18.3M-195.2%	-$6.2M-2352.0%	$275K+102.7%	-$10.3M-603.4%	-$1.5M-159.1%	$2.5M
Financing Cash Flow	$8.9M+141.9%	-$21.3M-291.8%	$11.1M-29.4%	$15.7M+1.5%	$15.5M+269.5%	-$9.1M-232.5%	-$2.7M+75.0%	-$11.0M
Dividends Paid	$2.2M+94.3%	$1.1M+1.2%	$1.1M+1.2%	$1.1M-48.2%	$2.1M+98.8%	$1.1M+1.1%	$1.1M+1.9%	$1.0M
Share Buybacks	$374K+98.9%	$188K	$0-100.0%	$80K+63.3%	$49K	$0-100.0%	$16K+6.7%	$15K

UBCP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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%-0.0pp	18.7%-5.6pp	24.3%-7.0pp	31.3%-7.0pp	38.3%+9.5pp	28.8%
Return on Equity	11.0%-0.7pp	11.7%-2.4pp	14.1%-0.4pp	14.5%+1.3pp	13.2%+1.5pp	11.6%
Return on Assets	0.9%-0.0pp	0.9%-0.2pp	1.1%-0.1pp	1.1%-0.2pp	1.3%+0.1pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.16-0.7	11.87-0.0	11.89+0.2	11.68+2.6	9.10-0.0	9.15
FCF Margin	-3.2%-0.0pp	-3.2%-25.9pp	22.8%-6.1pp	28.8%-1.2pp	30.0%+5.2pp	24.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	19.1%-0.1pp	19.2%+1.0pp	18.2%-0.2pp	18.4%-0.6pp	19.0%+0.7pp	18.4%+0.1pp	18.3%+0.7pp	17.6%
Return on Equity	2.8%-0.1pp	2.9%-0.0pp	2.9%-0.3pp	3.2%+0.1pp	3.1%+0.2pp	2.9%+0.1pp	2.8%-0.1pp	2.9%
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%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.72+0.6	11.16-0.9	12.04-1.2	13.21+0.6	12.66+0.8	11.87+0.3	11.61-1.0	12.56
FCF Margin	-17.8%-0.5pp	-17.2%-13.8pp	-3.5%-17.5pp	14.1%+20.1pp	-6.0%-13.0pp	6.9%+23.8pp	-16.9%-1.6pp	-15.3%

Similar Companies

Pathfinder Bancorp Inc Md PBHC

$84.8M

Summit State Bnk SSBI

$90.4M

Auburn National AUBN

$83.8M

If Bancorp Inc IROQ

$86.2M

Frequently Asked Questions

What is United Bancorp Inc Ohio's annual revenue?

United Bancorp Inc Ohio (UBCP) reported $41.5M in total revenue for fiscal year 2025. This represents a 5.0% 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 5% year-over-year, from $39.5M to $41.5M in fiscal year 2025.

Is United Bancorp Inc Ohio profitable?

Yes, United Bancorp Inc Ohio (UBCP) reported a net income of $7.8M in fiscal year 2025, with a net profit margin of 18.7%.

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 2025, 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 $0.92 per share in dividends during fiscal year 2025.

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

United Bancorp Inc Ohio (UBCP) has a return on equity of 11.0% for fiscal year 2025, 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 -$1.3M in free cash flow during fiscal year 2025. This represents a -6.0% 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 $10.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are United Bancorp Inc Ohio's total assets?

United Bancorp Inc Ohio (UBCP) had $857.4M in total assets as of fiscal year 2025, including both current and long-term assets.

What are United Bancorp Inc Ohio's capital expenditures?

United Bancorp Inc Ohio (UBCP) invested $11.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does United Bancorp Inc Ohio buy back shares?

Yes, United Bancorp Inc Ohio (UBCP) spent $317K on share buybacks during fiscal year 2025, 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 2025.

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

United Bancorp Inc Ohio (UBCP) had a debt-to-equity ratio of 11.16 as of fiscal year 2025, 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 2025, 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 to 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 1.35x, 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 18 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.