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

Trailing 12 months to June 30, 2026

Revenue $41.8M +3.7% YoY

Net Income $8.0M +6.9% YoY

EPS (Diluted) $1.38 +8.7% YoY

Free Cash Flow -$4.1M -3505.3% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 12, 2026 Currency USD FYE December

United Bancorp Inc Ohio (UBCP) reported $41.8M in revenue over the twelve months to Jun 30, 2026, up 3.7% from the prior twelve months. This page shows its 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).

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 Health Score 35/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for United Bancorp Inc Ohio, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

4/6

United Bancorp Inc Ohio passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 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

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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.

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%

10Y CAGR+7.7%

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.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

-$1.3M

YoY-6.0%

United Bancorp Inc Ohio recorded an outflow of $1.3M in free cash flow in fiscal year 2025, representing a cash shortfall 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 as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.92

YoY+7.6%

5Y CAGR+10.0%

10Y CAGR+8.2%

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-3.5%

5Y CAGR-0.1%

10Y CAGR+0.7%

United Bancorp Inc Ohio had 6M shares outstanding in fiscal year 2025. This represents a decrease of 3.5% from the prior year.

Margins & Returns

Net Margin

18.7%

YoY0.0pp

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. That is unchanged 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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

UBCP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UBCP quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$41.8M	$41.5M+5.0%	$39.5M+7.3%	$36.8M+33.2%	$27.7M+12.0%	$24.7M-10.6%	$27.6M+2.2%	$27.0M+26.8%	$21.3M+20.8%	$17.7M+6.1%	$16.6M+3.4%	$16.1M-1.8%	$16.4M-3.8%	$17.0M-7.8%	$18.5M-8.7%	$20.2M
SG&A Expenses	$16.0M	$11.8M+17.3%	$10.1M-1.8%	$10.3M-0.3%	$10.3M+6.3%	$9.7M+4.2%	$9.3M+6.1%	$8.8M+10.2%	$8.0M+10.5%	$7.2M+2.7%	$7.0M+9.8%	$6.4M-2.7%	$6.6M-7.2%	$7.1M+3.3%	$6.8M+6.0%	$6.5M
Interest Expense	$14.7M	$15.0M+2.1%	$14.7M+33.7%	$11.0M+236.5%	$3.3M+26.1%	$2.6M-45.2%	$4.7M-22.7%	$6.1M+92.7%	$3.2M+80.2%	$1.8M-1.1%	$1.8M-21.9%	$2.3M-7.5%	$2.5M-18.7%	$3.0M-21.4%	$3.9M-18.0%	$4.7M
Income Tax	-$276K	-$86K+19.6%	-$107K-119.8%	$541K-38.5%	$879K-28.5%	$1.2M+95.5%	$629K+5.0%	$599K-25.1%	$800K-60.9%	$2.0M+29.4%	$1.6M+18.4%	$1.3M+44.5%	$923K+159.3%	$356K-34.8%	$546K-36.1%	$854K
Net Income	$8.0M	$7.8M+4.7%	$7.4M-17.3%	$8.9M+3.4%	$8.7M-8.4%	$9.5M+18.8%	$8.0M+16.8%	$6.8M+59.0%	$4.3M+20.8%	$3.5M-0.9%	$3.6M+11.0%	$3.2M+21.6%	$2.7M+1.5%	$2.6M+8.9%	$2.4M-22.4%	$3.1M
EPS (Diluted)	$1.38	$1.34+5.5%	$1.27-19.1%	$1.57+4.7%	$1.50-7.4%	$1.62+16.5%	$1.39+16.8%	$1.19+45.1%	$0.82+15.5%	$0.710.0%	$0.71+10.9%	$0.64+20.8%	$0.530.0%	$0.53+10.4%	$0.48-22.6%	$0.62

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$10.5M+5.2%	$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
SG&A Expenses	$3.2M+6.2%	$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
Interest Expense	$3.5M+0.7%	$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
Income Tax	-$34K+78.8%	-$160K-158.1%	-$62K-210.0%	-$20K-190.9%	$22K+184.6%	-$26K+60.6%	-$66K-3.1%	-$64K
Net Income	$2.1M+9.6%	$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
EPS (Diluted)	$0.36+9.1%	$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

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

UBCP Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UBCP quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$857.4M+5.0%	$816.7M-0.3%	$819.4M+8.2%	$757.4M+4.5%	$724.5M+4.5%	$693.4M+1.1%	$685.7M+15.6%	$593.2M+29.1%	$459.3M+4.9%	$438.0M+8.1%	$405.1M+0.8%	$401.8M+3.2%	$389.2M-11.2%	$438.4M+5.5%	$415.6M
Cash & Equivalents	$46.5M+137.3%	$19.6M-51.9%	$40.8M+35.5%	$30.1M-63.8%	$83.0M+60.9%	$51.6M+244.3%	$15.0M-40.7%	$25.3M+76.4%	$14.3M+24.0%	$11.5M-9.1%	$12.7M-67.6%	$39.2M+66.8%	$23.5M-68.7%	$75.1M+379.0%	$15.7M
Goodwill	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K	$0	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$786.9M+4.5%	$753.2M-0.4%	$755.9M+8.3%	$697.7M+6.9%	$652.8M+4.4%	$625.1M-0.1%	$625.8M+15.3%	$542.6M+30.6%	$415.4M+5.1%	$395.4M+8.7%	$363.6M+0.6%	$361.4M+3.2%	$350.3M-12.8%	$401.7M+5.9%	$379.4M
Total Equity	$70.5M+11.1%	$63.5M-0.2%	$63.6M+6.5%	$59.7M-16.7%	$71.7M+4.9%	$68.3M+14.0%	$59.9M+18.3%	$50.6M+15.4%	$43.9M+2.9%	$42.6M+2.8%	$41.5M+2.7%	$40.4M+3.9%	$38.9M+6.1%	$36.6M+1.2%	$36.2M
Retained Earnings	$48.6M+4.9%	$46.3M+5.2%	$44.0M+4.9%	$41.9M+10.8%	$37.8M+16.5%	$32.5M+16.5%	$27.9M+14.7%	$24.3M+4.6%	$23.3M+3.5%	$22.5M+4.9%	$21.4M+4.7%	$20.5M+4.5%	$19.6M+5.7%	$18.5M+0.8%	$18.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$878.0M+2.3%	$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
Cash & Equivalents	$46.0M+68.8%	$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
Goodwill	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K0.0%	$682K
Total Liabilities	$805.9M+1.9%	$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
Total Equity	$72.1M+6.8%	$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
Retained Earnings	$49.2M+1.9%	$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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

UBCP Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UBCP quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$6.9M	$10.5M+23.8%	$8.4M-10.7%	$9.5M+11.6%	$8.5M+3.5%	$8.2M-12.6%	$9.4M+8.7%	$8.6M+49.7%	$5.8M+26.0%	$4.6M+9.3%	$4.2M-2.3%	$4.3M+2.2%	$4.2M-41.7%	$7.2M+28.1%	$5.6M-10.2%	$6.2M
Capital Expenditures	$11.0M	$11.8M+21.5%	$9.7M+796.9%	$1.1M+111.5%	$511K-34.2%	$777K-69.2%	$2.5M+88.5%	$1.3M+70.2%	$785K+0.4%	$782K-65.4%	$2.3M+72.3%	$1.3M+323.9%	$309K-76.6%	$1.3M-13.7%	$1.5M+2.6%	$1.5M
Free Cash Flow	-$4.1M	-$1.3M-6.0%	-$1.2M-114.9%	$8.4M+5.2%	$8.0M+7.5%	$7.4M+8.2%	$6.9M-5.9%	$7.3M+46.5%	$5.0M+31.3%	$3.8M+97.1%	$1.9M-35.2%	$3.0M-23.4%	$3.9M-33.8%	$5.9M+43.7%	$4.1M-14.2%	$4.7M
Investing Cash Flow	-$21.9M	-$4.5M+76.8%	-$19.5M+59.8%	-$48.5M+53.1%	-$103.3M-8440.6%	-$1.2M-103.6%	$33.7M+135.1%	-$95.8M-53.2%	-$62.5M-246.6%	-$18.0M+48.4%	-$35.0M	N/A	N/A	-$7.0M-120.7%	$33.9M+224.2%	$10.5M
Financing Cash Flow	$11.3M	$21.0M+306.8%	-$10.1M-120.4%	$49.7M+18.7%	$41.9M+71.4%	$24.4M+479.8%	-$6.4M-108.4%	$76.9M+13.6%	$67.7M+316.7%	$16.3M-45.2%	$29.7M	N/A	N/A	-$51.8M-360.5%	$19.9M+266.2%	-$12.0M
Dividends Paid	$5.6M	$5.5M+7.3%	$5.1M+6.8%	$4.8M+5.0%	$4.6M+11.2%	$4.1M+22.0%	$3.4M+4.2%	$3.2M+0.2%	$3.2M+16.3%	$2.8M+9.0%	$2.5M+12.4%	$2.3M+27.4%	$1.8M+13.9%	$1.6M-30.9%	$2.3M-24.6%	$3.0M
Share Buybacks	$904K	$317K-53.9%	$687K-6.3%	$733K-4.4%	$767K+965.3%	$72K-86.3%	$526K+26.4%	$416K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.0M+289.5%	$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
Capital Expenditures	$1.2M-42.5%	$2.0M-52.1%	$4.3M+20.9%	$3.5M+52.4%	$2.3M+39.7%	$1.7M+221.9%	-$515K-91.5%	$6.1M
Free Cash Flow	-$140K+92.1%	-$1.8M+2.6%	-$1.8M-397.3%	-$367K-125.1%	$1.5M+346.5%	-$594K-185.2%	$697K+141.5%	-$1.7M
Investing Cash Flow	$5.1M+118.0%	-$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
Financing Cash Flow	$12.6M+41.1%	$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
Dividends Paid	$1.2M-47.1%	$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
Share Buybacks	$342K-8.6%	$374K+98.9%	$188K	$0-100.0%	$80K+63.3%	$49K	$0-100.0%	$16K

UBCP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

UBCP quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	18.7%0.0pp	18.7%-5.6pp	24.3%-7.0pp	31.3%-7.0pp	38.3%+9.5pp	28.8%+3.6pp	25.2%+5.1pp	20.1%0.0pp	20.1%-1.4pp	21.5%+1.5pp	20.1%+3.9pp	16.2%+0.8pp	15.3%+2.4pp	13.0%-2.3pp	15.3%
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%+0.3pp	11.4%+2.9pp	8.5%+0.4pp	8.1%-0.3pp	8.4%+0.6pp	7.8%+1.2pp	6.6%-0.2pp	6.7%+0.2pp	6.6%-2.0pp	8.5%
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%+0.2pp	1.0%+0.3pp	0.7%-0.1pp	0.8%-0.1pp	0.8%0.0pp	0.8%+0.1pp	0.7%0.0pp	0.7%+0.1pp	0.5%-0.2pp	0.7%
Debt-to-Equity	11.16-0.7x	11.870.0x	11.89+0.2x	11.68+2.6x	9.100.0x	9.15-1.3x	10.44-0.3x	10.71+1.2x	9.46+0.2x	9.27+0.5x	8.76-0.2x	8.95-0.1x	9.01-2.0x	10.97+0.5x	10.49
FCF Margin	-3.2%0.0pp	-3.2%-25.9pp	22.8%-6.1pp	28.8%-1.2pp	30.0%+5.2pp	24.8%-2.1pp	26.9%+3.6pp	23.3%+1.9pp	21.4%+9.9pp	11.5%-6.9pp	18.4%-5.2pp	23.6%-10.7pp	34.4%+12.3pp	22.1%-1.4pp	23.5%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	19.9%+0.8pp	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%
Return on Equity	2.9%+0.1pp	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%
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%
Debt-to-Equity	11.18-0.5x	11.72+0.6x	11.16-0.9x	12.04-1.2x	13.21+0.6x	12.66+0.8x	11.87+0.3x	11.61
FCF Margin	-1.3%+16.4pp	-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%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where United Bancorp Inc Ohio Ranks

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 5.0% 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) recorded an outflow of $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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 35 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.