United Bancorp Inc/OH (UBCP) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UBCP SEC filings page.
United Bancorp Inc/OH (UBCP) reported $37.5M in revenue over the twelve months to Jun 30, 2026, up 23.4% 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).
The bank is expanding its balance sheet, but higher funding costs and heavy reinvestment are restraining earnings and free cash flow.
Across FY2021-FY2025, revenue expanded while net income remained below its FY2021 level, indicating that growth did not translate proportionally into earnings. Net profit margin compression alongside sharply higher interest expense links weaker earnings conversion to funding costs, rather than merely slower revenue growth.
Total assets reached
Operating cash flow was
Financial Health Signals
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/OH'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.
United Bancorp Inc/OH earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and United Bancorp Inc/OH scores 57/100 among other banks.
United Bancorp Inc/OH reported revenue of $41.5M in fiscal year 2025, against $39.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and United Bancorp Inc/OH scores 41/100 among other banks.
United Bancorp Inc/OH funded 8.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $70.5M of equity against $857.4M of assets. Capital ranks banks on that cushion, and United Bancorp Inc/OH scores 11/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. United Bancorp Inc/OH scores 76/100 on it among other banks.
Not available for United Bancorp Inc/OH, and counted as zero in the overall score.
United Bancorp Inc/OH reported net income of $7.8M in fiscal year 2025, against $7.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and United Bancorp Inc/OH scores 90/100 among other banks.
United Bancorp Inc/OH 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.
For every $1 of reported earnings, United Bancorp Inc/OH 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
Earnings & Revenue
United Bancorp Inc/OH generated $10.5M in revenue in Q2 2026. This represents an increase of 31.9% from the same quarter a year earlier. Against the prior quarter it is up 5.2%.
United Bancorp Inc/OH reported $2.1M in net income in Q2 2026. This represents an increase of 9.5% from the same quarter a year earlier. Against the prior quarter it is up 9.6%.
United Bancorp Inc/OH earned $0.36 per diluted share (EPS) in Q2 2026. This represents an increase of 9.1% from the same quarter a year earlier. Against the prior quarter it is up 9.1%.
Not reported for Q2 2026.
Cash & Balance Sheet
United Bancorp Inc/OH recorded an outflow of $140K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 109.6% from the same quarter a year earlier. Against the prior quarter it is up 92.1%.
United Bancorp Inc/OH held $46.0M in cash as of Q2 2026; long-term debt is not reported for that period.
United Bancorp Inc/OH paid $0.20 per share in dividends in Q2 2026. This represents an increase of 5.4% from the same quarter a year earlier. Against the prior quarter it is down 46.9%.
Margins & Returns
United Bancorp Inc/OH's net profit margin was 19.9% in Q2 2026, showing the share of revenue converted to profit. This is down 4.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.
United Bancorp Inc/OH's ROE was 2.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
United Bancorp Inc/OH spent $342K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 327.5% from the same quarter a year earlier. Against the prior quarter it is down 8.6%.
United Bancorp Inc/OH invested $1.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 49.2% from the same quarter a year earlier. Against the prior quarter it is down 42.5%.
Not reported for Q2 2026.
UBCP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.5M+31.9% | $10.0M+33.0% | $8.9M+17.9% | $8.1M+9.8% | $8.0M+8.1% | $7.5M+7.8% | $7.5M+0.1% | $7.4M-2.3% |
| SG&A Expenses | $3.2M+11.2% | $3.0M+5.9% | $6.7M+19.5% | $3.0M+10.6% | $2.9M+7.3% | $2.8M+58.8% | $5.6M+10.6% | $2.8M+11.2% |
| Interest Expense | $3.5M-7.5% | $3.5M-2.6% | $3.7M-0.6% | $3.9M+2.7% | $3.8M+3.8% | $3.6M+2.5% | $3.7M+16.6% | $3.8M+23.3% |
| Income Tax | -$34K-254.5% | -$160K-515.4% | -$62K+6.1% | -$20K+68.8% | $22K+117.3% | -$26K-117.3% | -$66K-132.7% | -$64K-210.3% |
| Net Income | $2.1M+9.5% | $1.9M+2.1% | $2.0M+10.1% | $1.9M+6.1% | $1.9M+10.0% | $1.9M-6.1% | $1.8M-22.6% | $1.8M-23.9% |
| EPS (Basic) | $0.36+9.1% | $0.33+3.1% | $0.35+12.9% | $0.34+9.7% | $0.33+10.0% | $0.32-8.6% | $0.31-26.2% | $0.31-26.2% |
| EPS (Diluted) | $0.36+9.1% | $0.33+3.1% | $0.35+12.9% | $0.34+9.7% | $0.33+10.0% | $0.32-8.6% | $0.31-26.2% | $0.31-26.2% |
| Diluted Shares (Avg) | 5M-0.3% | 5M-1.2% | N/A | 5M-2.4% | 5M-2.5% | 6M+1.2% | N/A | 6M+2.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
UBCP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $878.0M+3.5% | $858.5M+3.3% | $857.4M+5.0% | $866.8M+5.0% | $847.9M+3.2% | $830.7M-0.4% | $816.7M-0.3% | $825.5M+1.4% |
| Cash & Equivalents | $46.0M-7.5% | $27.2M-25.2% | $46.5M+137.3% | $45.7M+20.8% | $49.7M+32.2% | $36.4M-22.3% | $19.6M-51.9% | $37.8M-46.7% |
| Short-Term Investments | $0-100.0% | $0-100.0% | $234.2M-2.7% | $253.7M | $227.3M | $229.8M | $240.6M-0.9% | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $682K0.0% | $682K0.0% | $682K0.0% | $682K0.0% | $682K0.0% | $682K0.0% | $682K0.0% | $682K0.0% |
| Total Liabilities | $805.9M+2.2% | $791.0M+2.7% | $786.9M+4.5% | $800.3M+5.3% | $788.2M+3.5% | $769.9M-0.1% | $753.2M-0.4% | $760.0M-0.2% |
| Total Equity | $72.1M+20.8% | $67.5M+11.0% | $70.5M+11.1% | $66.5M+1.5% | $59.7M-1.5% | $60.8M-3.8% | $63.5M-0.2% | $65.5M+24.5% |
| Retained Earnings | $49.2M+5.1% | $48.3M+4.9% | $48.6M+4.9% | $47.7M+4.7% | $46.9M+4.7% | $46.0M+4.5% | $46.3M+5.2% | $45.5M+6.8% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.0M-72.6% | $266K-75.0% | $2.4M+101.8% | $3.2M-28.2% | $3.8M+579.2% | $1.1M-70.6% | $1.2M-55.4% | $4.4M+41.4% |
| Depreciation & Amortization | $411K+43.7% | $411K+41.7% | $348K+25.6% | $302K+9.8% | $286K+7.5% | $290K+11.1% | $277K+9.5% | $275K+9.6% |
| Stock-Based Compensation | $99K+12.5% | $100K+12.4% | N/A | $88K+109.5% | $88K-35.8% | $89K-83.6% | N/A | $42K |
| Capital Expenditures | $1.2M-49.2% | $2.0M+23.3% | $4.3M+729.3% | $3.5M-42.0% | $2.3M+218.7% | $1.7M-51.1% | -$515K+299.2% | $6.1M+1329.8% |
| Free Cash Flow | -$140K-109.6% | -$1.8M-199.3% | -$1.8M-361.8% | -$367K+78.2% | $1.5M+196.6% | -$594K-366.4% | $697K-73.0% | -$1.7M-162.4% |
| Investing Cash Flow | $5.1M+182.9% | -$28.5M-10451.3% | $19.7M+291.8% | -$18.3M-1153.2% | -$6.2M-350.9% | $275K+102.7% | -$10.3M+56.3% | -$1.5M+36.4% |
| Financing Cash Flow | $12.6M-19.9% | $8.9M-42.3% | -$21.3M-133.1% | $11.1M+504.1% | $15.7M+242.9% | $15.5M+21.7% | -$9.1M+2.6% | -$2.7M+76.5% |
| Dividends Paid | $1.2M+5.3% | $2.2M+3.0% | $1.1M+5.3% | $1.1M+5.3% | $1.1M+6.1% | $2.1M+10.1% | $1.1M+7.0% | $1.1M+7.6% |
| Share Buybacks | $342K+327.5% | $374K+663.3% | $188K | $0-100.0% | $80K+433.3% | $49K-92.5% | $0 | $16K |
UBCP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.9%-4.1pp | 19.1%-5.8pp | 22.9%-1.6pp | 23.9%-0.8pp | 24.0%+0.4pp | 24.9%-3.7pp | 24.5%-7.2pp | 24.8%-7.0pp |
| Return on Equity | 2.9%-0.3pp | 2.8%-0.3pp | 2.9%0.0pp | 2.9%+0.1pp | 3.2%+0.3pp | 3.1%-0.1pp | 2.9%-0.9pp | 2.8%-1.8pp |
| 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 | 0.2%-0.1pp |
| Debt-to-Equity | 11.18-2.0x | 11.72-0.9x | 11.16-0.7x | 12.04+0.4x | 13.21+0.7x | 12.66+0.5x | 11.870.0x | 11.61-2.9x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -1.3%-19.7pp | -17.8%-9.9pp | -20.5%-29.8pp | -4.5%+18.3pp | 18.3%+38.9pp | -7.9%-11.1pp | 9.3%-25.1pp | -22.9%-58.6pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| United Bancorp Inc/OH UBCP | FY2025 | $41.5M | $7.8M | 18.7% | $84.0M | 46/100 |
| Pathfinder Bancorp Inc PBHC | FY2025 | $46.8M | -$1.9M | -4.1% | $104.9M | 20/100 |
| CFSB Bancorp, Inc. CFSB | FY2025 | $7.7M | -$265K | -3.5% | $93.3M | 22/100 |
| Auburn National Bancorporation AUBN | FY2025 | $32.8M | $7.3M | 22.1% | $92.8M | 42/100 |
| IF Bancorp, Inc. IROQ | FY2025 | $25.8M | $4.3M | 16.7% | $86.2M | 31/100 |
Where United Bancorp Inc/OH Ranks
Frequently Asked Questions
What is United Bancorp Inc/OH's annual revenue?
United Bancorp Inc/OH (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/OH's revenue growing?
United Bancorp Inc/OH (UBCP) revenue grew by 5.0% year-over-year, from $39.5M to $41.5M in fiscal year 2025.
Is United Bancorp Inc/OH profitable?
Yes, United Bancorp Inc/OH (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/OH's net profit margin?
United Bancorp Inc/OH (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/OH pay dividends?
Yes, United Bancorp Inc/OH (UBCP) paid $0.92 per share in dividends during fiscal year 2025.
What is United Bancorp Inc/OH's return on equity (ROE)?
United Bancorp Inc/OH (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/OH's free cash flow?
United Bancorp Inc/OH (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/OH's operating cash flow?
United Bancorp Inc/OH (UBCP) generated $10.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are United Bancorp Inc/OH's total assets?
United Bancorp Inc/OH (UBCP) had $857.4M in total assets as of fiscal year 2025, including both current and long-term assets.
What are United Bancorp Inc/OH's capital expenditures?
United Bancorp Inc/OH (UBCP) invested $11.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is United Bancorp Inc/OH's debt-to-equity ratio?
United Bancorp Inc/OH (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/OH's return on assets (ROA)?
United Bancorp Inc/OH (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/OH's P/E ratio?
United Bancorp Inc/OH (UBCP) trades at 10.5x earnings, its market capitalization divided by net income of $8.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $84.0M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is United Bancorp Inc/OH's price-to-sales ratio?
United Bancorp Inc/OH (UBCP) trades at 2.2x sales, its market capitalization divided by revenue of $37.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $84.0M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is United Bancorp Inc/OH's Piotroski F-Score?
United Bancorp Inc/OH (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/OH's earnings high quality?
United Bancorp Inc/OH (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/OH?
United Bancorp Inc/OH (UBCP) scores 46 out of 100 on our Financial Health Score, indicating moderate 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.