UBCPNasdaqState Commercial BanksFiscal year ends December 31
UNITED BANCORP INC /OH/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$13.40+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $73.34M
- P/E (TTM)
- 9.7
- Dividend yield
- 6.87%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
–
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Net income | +4.7% | -3.6% | -0.5% | +9.2% | |
| EPS, diluted | +5.5% | -3.7% | -0.7% | +7.7% | |
| Dividend per share | +7.6% | +5.9% | +10.0% | +8.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.5% | 12.4% | 11.6% | |
| Return on assets | 0.8% | 1.2% | 0.9% | |
| Capex to revenue | 12.2% | – | – | |
| Diluted shares | 5M | 5M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
United Bancorp generated $45.04M from operations and spent $50.46M on capital expenditure, dividends and share buybacks. 47% of that went back into the business.
Generated
$45.04M
Used
$50.46M
Capital expenditure$23.84M47%Dividends$24.05M48%Share buybacks$2.58M5%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin27.5%
×Asset turnover0.04×
×Equity multiplier11.57×
=Return on equity, FY201912.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2019 | 27.5% | 0.04× | 11.57× | 12.3% |
| FY2018 | 19.6% | 0.04× | 11.13× | 9.1% |
| FY2017 | 18.3% | 0.04× | 10.37× | 8.2% |
| FY2016 | 19.3% | 0.04× | 10.02× | 8.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 5 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$7.75M
- Cash generatingOperating cash flow above zero$10.46M
- Return on assets improvedROA up on the prior year0.9% → 0.9%
- Earnings backed by cashOperating cash flow above net income$10.46M vs $7.75M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise6M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –