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United Bancorp, Inc. logo

United Bancorp, Inc.

UBCP

NASDAQFinancial ServicesBanks - Regional

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Regular session

$15.725

−$0.475 · -2.93%

Aug 24, 1:31 PM ET

UBCP company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

75

Undervalued

Momentum

45

Neutral

Sentiment

70

Bullish

Risk resilience

63

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $15.725

52-week range

Current $15.725

Open
$15.84
Previous close
$16.20
Volume
1.61K
Market cap
90.91M USD
50-day average
$15.7096
+0.10% above average
200-day average
$14.9717
+5.03% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
163.55M USD
P/E (TTM)
11.07×
P/B (TTM)
1.19×
P/S (TTM)
1.89×
EV / EBITDA
17.66×
Earnings yield
9.84%
Free cash flow yield
-2.31%
Dividend yield
5.98%

Profitability & efficiency

Gross margin
68.49%
Operating margin
15.98%
Net margin
16.55%
Return on equity
10.99%
Return on assets
0.90%
Return on invested capital
3.59%

Financial health

Debt / equity
1.54×
Current ratio
0.25×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%72%40%8%Gross margin, FY2021: 95.59%Gross margin, FY2022: 92.70%Gross margin, FY2023: 74.18%Gross margin, FY2024: 65.85%Gross margin, FY2025: 67.36%Operating margin, FY2021: 35.12%Operating margin, FY2022: 30.04%Operating margin, FY2023: 23.20%Operating margin, FY2024: 16.59%Operating margin, FY2025: 17.41%Net margin, FY2021: 31.07%Net margin, FY2022: 27.27%Net margin, FY2023: 21.88%Net margin, FY2024: 16.83%Net margin, FY2025: 16.32%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.59%. Gross margin FY2022 92.70%. Gross margin FY2023 74.18%. Gross margin FY2024 65.85%. Gross margin FY2025 67.36%. Operating margin FY2021 35.12%. Operating margin FY2022 30.04%. Operating margin FY2023 23.20%. Operating margin FY2024 16.59%. Operating margin FY2025 17.41%. Net margin FY2021 31.07%. Net margin FY2022 27.27%. Net margin FY2023 21.88%. Net margin FY2024 16.83%. Net margin FY2025 16.32%.

Income trends

Revenue

47.5M USD+7.99%

Operating income

8.27M USD+13.35%

Net income

7.75M USD+4.74%
Income trends across reported periods51.52M USD35.44M USD19.36M USD3.27M USDRevenue, FY2021: 30.41M USDRevenue, FY2022: 31.74M USDRevenue, FY2023: 40.9M USDRevenue, FY2024: 43.98M USDRevenue, FY2025: 47.5M USDOperating income, FY2021: 10.68M USDOperating income, FY2022: 9.54M USDOperating income, FY2023: 9.49M USDOperating income, FY2024: 7.3M USDOperating income, FY2025: 8.27M USDNet income, FY2021: 9.45M USDNet income, FY2022: 8.66M USDNet income, FY2023: 8.95M USDNet income, FY2024: 7.4M USDNet income, FY2025: 7.75M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 30.41M USD. Revenue FY2022 31.74M USD. Revenue FY2023 40.9M USD. Revenue FY2024 43.98M USD. Revenue FY2025 47.5M USD. Operating income FY2021 10.68M USD. Operating income FY2022 9.54M USD. Operating income FY2023 9.49M USD. Operating income FY2024 7.3M USD. Operating income FY2025 8.27M USD. Net income FY2021 9.45M USD. Net income FY2022 8.66M USD. Net income FY2023 8.95M USD. Net income FY2024 7.4M USD. Net income FY2025 7.75M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue47.5M USD43.98M USD40.9M USD31.74M USD30.41M USD
Cost of goods sold15.51M USD15.02M USD10.56M USD2.32M USD1.34M USD
Gross profit31.99M USD28.96M USD30.34M USD29.43M USD29.07M USD
Selling, general, and administrative16.24M USD11.5M USD11.63M USD11.42M USD10.8M USD
Operating expenses23.72M USD21.67M USD20.85M USD19.89M USD18.39M USD
Interest income41.21M USD39.14M USD36.6M USD27.52M USD24.63M USD
Interest expense15.02M USD14.72M USD11.01M USD3.27M USD2.6M USD
Depreciation and amortization991K USD1.23M USD1.15M USD1.16M USD1.29M USD
Operating income8.27M USD7.3M USD9.49M USD9.54M USD10.68M USD
Net income7.75M USD7.4M USD8.95M USD8.66M USD9.45M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.36

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.40.360.310.27Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 6, 2024: actual 0.31, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 0.31, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 0.32, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 0.33, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 0.34, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 0.35, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 7, 2026: actual 0.33, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 23, 2026: actual 0.36, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates12.46M11.02M9.58M8.14MQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26No estimateQ3 '26MetQ4 '26Estimate
Q1 2025, reported Feb 7, 2025: actual 11.27M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 11.12M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 11.8M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 11.98M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 3, 2026: actual 8.89M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 7, 2026: actual 11.44M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 23, 2026: actual 8.62M USD, estimate 8.62M USD, surprise 0.00%, Met estimate. Q4 2026, reported Nov 3, 2026: actual —, estimate 8.87M USD, surprise —, Comparison unavailable.

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ETFs holding UBCP

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
950.69K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.13-0.98%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
746.21K
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$376.91-0.35%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
277.68K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$196.69-0.73%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
63.2K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.415-0.43%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
52.44K
Weight
0.00%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.28-0.54%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
46.03K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.58-0.65%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
20K
Weight
—
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.495-0.42%
Dimensional - US Sustainability Core 1 ETF logoDimensional - US Sustainability Core 1 ETFDFSU
Market value
12.85K
Weight
0.00%
AUM
2.35B USD
Expense ratio
0.15%
Price / 1D
$48.14-0.12%

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