ubcp · United Bancorp Inc /Oh/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $411.0K | - | - | - | $290.0K | - | - | - | $261.0K | - |
| Operating Income | $1.75M | - | $1.91M | $1.94M | $1.85M | - | $1.76M | $1.61M | $2.14M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $3.51M | - |
| Income Tax | ($160.0K) | - | ($20.0K) | $22.0K | ($26.0K) | - | ($64.0K) | ($127.0K) | $150.0K | - |
| Net Income | $1.91M | - | $1.93M | $1.91M | $1.87M | - | $1.82M | $1.74M | $1.99M | - |
| EPS - Basic | $0.33 | - | $0.34 | $0.33 | $0.32 | - | $0.31 | $0.30 | $0.35 | - |
| EPS - Diluted | $0.33 | - | $0.34 | $0.33 | $0.32 | - | $0.31 | $0.30 | $0.35 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $27.24M | $46.53M | $45.65M | $49.69M | $36.40M | $19.61M | $37.78M | $37.57M | $46.88M | $40.77M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $858.50M | $857.45M | $866.76M | $847.88M | $830.68M | $816.66M | $825.48M | $821.82M | $834.03M | $819.45M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $791.00M | $786.93M | $800.29M | $788.23M | $769.88M | $753.20M | $760.02M | $761.22M | $770.82M | $755.86M |
| Stockholders' Equity | $67.50M | $70.52M | $66.47M | $59.66M | $60.80M | $63.46M | $65.46M | $60.60M | $63.21M | $63.59M |
| Retained Earnings | $48.29M | $48.58M | $47.67M | $46.86M | $46.05M | $46.31M | $45.53M | $44.77M | $44.07M | $44.02M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $266.0K | - | - | - | $1.06M | - | - | - | $3.62M | - |
| Investing Cash Flow | ($28.47M) | - | - | - | $275.0K | - | - | - | ($10.21M) | - |
| Financing Cash Flow | $8.91M | - | - | - | $15.46M | - | - | - | $12.70M | - |
| CapEx | $2.04M | - | - | - | $1.66M | - | - | - | $3.39M | - |
| Free Cash Flow | ($1.78M) | - | - | - | ($594.0K) | - | - | - | $223.0K | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | -0.93 | - | - | - | -0.32 | - | - | - | 0.11 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | -9.1% | - | -1.0% | 1.1% | -1.4% | - | -3.6% | -7.9% | 7.0% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 2.8% | - | 2.9% | 3.2% | 3.1% | - | 2.8% | 2.9% | 3.2% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.6x | - |
| Equity multiplier | 12.72 | 12.16 | 13.04 | 14.21 | 13.66 | 12.87 | 12.61 | 13.56 | 13.20 | 12.89 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.93 | 0.93 | 0.92 | 0.92 | 0.93 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -5.1% | - | 8.8% | 20.1% | -13.9% | - | -28.3% | -34.2% | 7.1% | - |
| Net income growth (YoY) | 2.1% | - | 6.1% | 10.1% | -6.1% | - | -23.9% | -23.7% | 5.6% | - |
| EPS growth (YoY) | 3.1% | - | 9.7% | 10.0% | -8.6% | - | -26.2% | -25.0% | 6.1% | - |
| EPS CAGR (3y) | 0.0% | - | -5.3% | -6.2% | 1.9% | - | -14.7% | -7.6% | 2.0% | - |
| EPS CAGR (5y) | 0.0% | - | -1.1% | 2.6% | 2.7% | - | 0.0% | 0.7% | 4.6% | - |
| FCF growth (YoY) | -199.3% | - | - | - | - | - | - | - | -59.8% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | -15.3% | - |
| Book value growth (YoY) | 11.0% | 11.1% | 1.5% | -1.5% | -3.8% | -0.2% | 24.5% | 3.7% | 7.1% | 6.5% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing UNITED BANCORP INC /OH/ against the 5 most active filers in the same SIC group.
Dividends
$0.93/share trailing 12 months · +4.5% YoY
| Ex-date | Per share |
|---|---|
| Mar 10, 2026 | $0.3680 |
| Dec 10, 2025 | $0.1900 |
| Sep 10, 2025 | $0.1880 |
| Jun 10, 2025 | $0.1850 |
| Mar 10, 2025 | $0.3580 |
| Dec 10, 2024 | $0.1800 |
| Sep 10, 2024 | $0.1780 |
| Jun 10, 2024 | $0.1750 |
| Mar 7, 2024 | $0.3230 |
| Dec 7, 2023 | $0.1700 |
| Sep 7, 2023 | $0.1680 |
| Jun 8, 2023 | $0.1650 |
| Mar 9, 2023 | $0.3130 |
| Dec 8, 2022 | $0.1600 |
| Sep 8, 2022 | $0.1580 |
| Jun 9, 2022 | $0.1550 |
| Mar 9, 2022 | $0.3030 |
| Dec 9, 2021 | $0.1500 |
| Sep 9, 2021 | $0.1480 |
| Jun 9, 2021 | $0.1450 |
| Mar 9, 2021 | $0.2430 |
| Dec 9, 2020 | $0.1430 |
| Sep 9, 2020 | $0.1430 |
| Jun 9, 2020 | $0.1430 |