UBCP
United Bancorp Inc
NASDAQ: UBCP · FINANCIAL SERVICES · BANKS - REGIONAL
$16.39
+2.63% today
Updated 2026-04-30
Market cap
$94.17M
P/E ratio
12.17
P/S ratio
2.96x
EPS (TTM)
$1.34
Dividend yield
4.57%
52W range
$11 – $17
Volume
0.0M
United Bancorp Inc (UBCP) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $27.58M | $29.68M | $28.78M | $26.65M | $24.98M | $23.72M | $21.40M | $21.22M | $20.07M | $19.87M | $20.32M | $21.10M | $24.95M | $30.92M | $34.54M | $30.41M | $31.74M | $40.90M | $43.98M | $47.50M |
| Revenue growth (YoY) | — | +7.6% | -3.0% | -7.4% | -6.3% | -5.0% | -9.8% | -0.8% | -5.4% | -1.0% | +2.2% | +3.9% | +18.2% | +23.9% | +11.7% | -12.0% | +4.4% | +28.9% | +7.5% | +8.0% |
| Cost of revenue | $14.22M | $15.51M | $11.44M | $9.39M | $8.30M | $6.67M | $4.99M | $4.27M | $3.35M | $2.84M | $2.08M | $1.86M | $3.48M | $7.03M | $8.07M | $1.34M | $2.32M | $10.56M | $15.02M | $15.51M |
| Gross profit | $13.36M | $14.17M | $17.34M | $17.26M | $16.69M | $17.05M | $16.41M | $16.95M | $16.72M | $17.04M | $18.23M | $19.24M | $21.48M | $23.89M | $26.47M | $29.07M | $29.43M | $30.34M | $28.96M | $31.99M |
| Gross margin | 48.4% | 47.7% | 60.3% | 64.8% | 66.8% | 71.9% | 76.7% | 79.9% | 83.3% | 85.7% | 89.7% | 91.2% | 86.1% | 77.3% | 76.6% | 95.6% | 92.7% | 74.2% | 65.8% | 67.4% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $5.67M | $6.17M | $7.68M | $8.21M | $8.49M | $7.28M | $7.62M | $7.85M | $7.30M | $7.02M | $7.56M | $7.85M | $8.75M | $9.46M | $10.10M | $10.42M | $11.07M | $11.27M | $11.08M | $15.84M |
| Operating income | $2.31M | $2.92M | $4.71M | $3.42M | $2.77M | $3.94M | $2.94M | $2.97M | $3.57M | $4.56M | $5.16M | $5.59M | $5.08M | $7.41M | $8.58M | $10.68M | $9.54M | $9.49M | $7.29M | $8.27M |
| Operating margin | 8.4% | 9.8% | 16.4% | 12.8% | 11.1% | 16.6% | 13.8% | 14.0% | 17.8% | 22.9% | 25.4% | 26.5% | 20.4% | 24.0% | 24.8% | 35.1% | 30.0% | 23.2% | 16.6% | 17.4% |
| EBITDA | $3.32M | $3.89M | $5.41M | $4.42M | $3.75M | $5.07M | $4.07M | $4.09M | $4.65M | $5.56M | $5.98M | $6.51M | $6.10M | $8.60M | $9.89M | $11.97M | $10.70M | $10.64M | $8.52M | $9.26M |
| EBITDA margin | 12.0% | 13.1% | 18.8% | 16.6% | 15.0% | 21.4% | 19.0% | 19.3% | 23.2% | 28.0% | 29.4% | 30.9% | 24.4% | 27.8% | 28.6% | 39.4% | 33.7% | 26.0% | 19.4% | 19.5% |
| EBIT | $2.31M | $2.92M | $4.71M | $3.42M | $2.77M | $3.94M | $2.94M | $2.97M | $3.56M | $4.54M | $5.15M | $5.59M | $5.08M | $7.41M | $8.58M | $10.68M | $9.54M | $9.49M | $7.29M | $8.27M |
| Interest expense | $12.84M | $14.52M | $10.25M | $8.06M | $6.48M | $4.71M | $3.86M | $3.03M | $2.47M | $2.28M | $1.78M | $1.76M | $3.18M | $6.12M | $4.73M | $2.60M | $3.27M | $11.01M | $14.72M | $15.02M |
| Income tax | $241000.00 | $334000.00 | $956000.00 | $516000.00 | $219000.00 | $854000.00 | $546000.00 | $356000.00 | $923000.00 | $1.33M | $1.58M | $2.04M | $800000.00 | $599000.00 | $629000.00 | $1.23M | $879000.00 | $541000.00 | $-107000.00 | $516647.00 |
| Effective tax rate | 10.4% | 11.4% | 20.3% | 15.1% | 7.9% | 21.6% | 18.5% | 12.0% | 25.8% | 29.3% | 30.6% | 36.6% | 15.7% | 8.1% | 7.3% | 11.5% | 9.2% | 5.7% | -1.5% | 6.2% |
| Net income | $2.07M | $2.58M | $3.76M | $2.90M | $2.55M | $3.09M | $2.40M | $2.61M | $2.65M | $3.22M | $3.58M | $3.55M | $4.28M | $6.81M | $7.95M | $9.45M | $8.66M | $8.95M | $7.40M | $7.75M |
| Net income growth (YoY) | — | +25.0% | +45.4% | -22.7% | -12.3% | +21.4% | -22.4% | +8.9% | +1.5% | +21.6% | +11.0% | -0.9% | +20.8% | +59.0% | +16.8% | +18.8% | -8.4% | +3.4% | -17.3% | +4.7% |
| Profit margin | 7.5% | 8.7% | 13.1% | 10.9% | 10.2% | 13.0% | 11.2% | 12.3% | 13.2% | 16.2% | 17.6% | 16.8% | 17.2% | 22.0% | 23.0% | 31.1% | 27.3% | 21.9% | 16.8% | 16.3% |