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United Bancorp Inc Ohio SEC Filings

UBCP NASDAQ

Welcome to our dedicated page for United Bancorp Ohio SEC filings (Ticker: UBCP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.

United Bancorp Inc. (UBCP) may be a community bank, but its filings hold big clues—loan growth, deposit remixing, and credit quality shifts that shape every dividend decision. If you have ever searched for United Bancorp Inc. (UBCP) insider trading Form 4 transactions only to wade through dense PDFs, you know the challenge.

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Rhea-AI Summary

ACCO Brands’ Q2-25 results show earnings recovery but top-line softness. Net sales fell 10% YoY to $394.8 m (–$43.5 m) as demand remained weak across segments. Gross profit declined 15% to $129.7 m and margin slipped 200 bp to 32.8%. SG&A was cut 6% and there were no impairment charges this year versus $165 m in Q2-24, driving a swing to operating income of $33.0 m (Q2-24: –$111.2 m). Net income reached $29.2 m, $0.31 diluted EPS against a –$125.2 m loss (–$1.29 EPS) last year, aided by a $13.4 m tax benefit from settling Brazilian assessments.

For the six months, sales dropped 11% to $712.2 m; however operating income turned positive at $26.3 m (vs. –$105.3 m) and net income hit $16.0 m (vs. –$131.5 m). Operating cash flow was –$33.4 m, pressured by inventory build (+$43 m) and lower customer program accruals; FCF was negative despite $6.8 m capex.

Balance-sheet leverage increased: total debt rose to $987.3 m (+$147.6 m YTD) and net leverage was 4.29×, just under the 4.50× covenant. On 29 Jul 25 the company amended its credit agreement, temporarily raising the leverage ceiling and mandating a $35 m principal payment by 30 Sep 25. Cash climbed to $133.3 m (+$59.2 m) helped by $146 m revolver draws.

Strategically, ACCO closed the AU$16.3 m acquisition of ergonomic-seating wholesaler Buro in ANZ, adding $4 m goodwill and $6 m intangibles. Restructuring charges of $11.7 m YTD continue as footprint rationalisation progresses.

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FAQ

What is the current stock price of United Bancorp Ohio (UBCP)?

The current stock price of United Bancorp Ohio (UBCP) is $14.05 as of August 1, 2025.

What is the market cap of United Bancorp Ohio (UBCP)?

The market cap of United Bancorp Ohio (UBCP) is approximately 81.3M.

What is United Bancorp Inc Ohio's primary business?

United Bancorp Inc Ohio operates as a regional bank offering a range of financial services including traditional lending, deposit operations, and fee-based financial solutions.

How does UBCP generate its revenue?

The company generates revenue through a mix of interest income from its loan and investment portfolios, as well as fee-based services from mortgage origination and treasury management functions.

Which markets does United Bancorp primarily serve?

UBCP serves local communities primarily in Ohio and West Virginia, focusing on both individual depositors and commercial clients with a strong regional presence.

What distinguishes UBCP in the competitive banking industry?

Its strong local market focus, personalized customer service, and a conservative approach to credit and risk management set UBCP apart from larger national banks.

How does the bank manage risk within its operations?

United Bancorp employs rigorous risk management practices, including conservative credit policies, strict monitoring of nonperforming assets, and maintenance of adequate credit loss reserves.

What role do fee-based services play in UBCP's business model?

Fee-based services such as mortgage origination and treasury management complement the company’s interest-based revenue, helping to diversify income and mitigate the impact of net interest margin pressures.

How does UBCP ensure customer satisfaction?

By focusing on personalized banking solutions and long-term relationship building, UBCP consistently tailors its services to meet the specific needs of local communities.

What measures are in place for effective corporate governance?

The company maintains strong corporate governance through a dedicated board and management team, which prioritize regulatory compliance, capital adequacy, and transparent risk management practices.
United Bancorp Inc Ohio

NASDAQ:UBCP

UBCP Rankings

UBCP Stock Data

81.34M
4.93M
14.22%
11.48%
0.22%
Banks - Regional
State Commercial Banks
Link
United States
MARTINS FERRY