UNITED BANCORP INC /OH/ UBCP

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Last close 13.73 2026-10-23
Market cap $78.7M 2026-06-30 share count
52-week range 12.55 - 17.34

Valuation FY2025 figures against the last close

P/S1.9x
P/E10.2x
P/FCF—
EV/EBITDA—
Dividend yield7.0%
Diluted EPS1.34

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $41.5M$39.5M$36.8M$27.7M$24.7M$27.6M$27.0M$21.3M$17.7M$16.6M
Interest expense $26.5M$24.8M$25.8M$3.3M$2.6M$4.7M$6.1M$3.2M$1.8M$1.8M
Pre-tax income $7.7M$7.3M$9.5M$9.5M$10.7M$8.6M$7.4M$5.1M$5.6M$5.2M
Income tax $86.0K$107.0K$541.0K$879.0K$1.2M$629.0K$599.0K$800.0K$2.0M$1.6M
Net income $7.8M$7.4M$8.9M$8.7M$9.5M$8.0M$6.8M$4.3M$3.5M$3.6M
EPS, basic 1.341.271.571.501.621.391.190.820.710.72
EPS, diluted 1.341.271.571.501.621.391.190.820.710.71
Shares, diluted (wtd. avg.) 5.5M5.5M5.5M5.5M5.5M5.5M—5.0M5.0M5.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $46.5M$19.6M$40.8M$30.1M$83.0M$51.6M$15.0M$25.3M$14.3M$11.5M
Property, plant and equipment $34.1M$23.6M$15.0M$12.1M$12.8M$13.7M$12.4M$12.1M$11.7M$11.9M
Goodwill $682.0K$682.0K$682.0K$682.0K$682.0K$682.0K$682.0K$682.0K$0—
Total assets $857.4M$816.7M$819.4M$757.4M$724.5M$693.4M$685.7M$593.2M$459.3M$438.0M
Short-term debt ——————$6.9M$8.1M$11.1M$9.4M
Total liabilities $786.9M$753.2M$755.9M$697.7M$652.8M$625.1M$625.8M$542.6M$415.4M$395.4M
Retained earnings $48.6M$46.3M$44.0M$41.9M$37.8M$32.5M$27.9M$24.3M$23.3M$22.5M
Total equity $70.5M$63.5M$63.6M$59.7M$71.7M$68.3M$59.9M$50.6M$43.9M$42.6M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $10.5M$8.4M$9.5M$8.5M$8.2M$9.4M$8.6M$5.8M$4.6M$4.2M
Stock-based compensation $357.0K$884.0K$658.0K$1.0M$414.0K$324.0K$293.0K$287.0K$163.0K$147.0K
Capital expenditure $11.8M$9.7M$1.1M$511.0K$777.0K$2.5M$1.3M$785.0K$782.0K$2.3M
Investing cash flow -$4.5M-$19.5M-$48.5M-$103.3M-$1.2M$33.7M-$95.8M-$62.5M-$18.0M-$35.0M
Financing cash flow $21.0M-$10.1M$49.7M$41.9M$24.4M-$6.4M$76.9M$67.7M$16.3M$29.7M
Dividends paid $5.5M$5.1M$4.8M$4.6M$4.1M$3.4M$3.2M$3.2M$2.8M$2.5M
Buybacks $317.0K$687.0K$733.0K$767.0K$72.0K$526.0K$416.0K———

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-031372.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M Revenue, FY2016: 16.6M Net income, FY2016: 3.6M Revenue, FY2017: 17.7M Net income, FY2017: 3.5M Revenue, FY2018: 21.3M Net income, FY2018: 4.3M Revenue, FY2019: 27M Net income, FY2019: 6.8M Revenue, FY2020: 27.6M Net income, FY2020: 8M Revenue, FY2021: 24.7M Net income, FY2021: 9.5M Revenue, FY2022: 27.7M Net income, FY2022: 8.7M Revenue, FY2023: 36.8M Net income, FY2023: 8.9M Revenue, FY2024: 39.5M Net income, FY2024: 7.4M Revenue, FY2025: 41.5M Net income, FY2025: 7.8M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $16.6M $17.7M $21.3M $27.0M $27.6M $24.7M $27.7M $36.8M $39.5M $41.5M
Gross profit — — — — — — — — — —
Net income $3.6M $3.5M $4.3M $6.8M $8.0M $9.5M $8.7M $8.9M $7.4M $7.8M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Results announced Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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