UBCP - NASDAQ
United Bancorp, Inc.
$15.90
+0.13%United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
At a Glance
Live SnapshotUnited Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
United Bancorp, Inc. Income Statement
UBCP • NASDAQ
| United Bancorp, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
47.5M | 44M | 40.9M | 31.7M | 30.4M | 34.5M | 30.9M | 25M | 21.1M | 20.3M | 19.9M | 20.1M | 21.2M | 21.4M | 23.7M | 25M | 26.7M | 28.8M | 29.7M | 27.6M | |
GROSS PROFIT | ||||||||||||||||||||
(15.5M) | (15M) | (10.6M) | (2.3M) | (1.3M) | (8.1M) | (7M) | (3.5M) | (1.9M) | (2.1M) | (2.8M) | (3.4M) | (4.3M) | (5M) | (6.7M) | (8.3M) | (9.4M) | (11.4M) | (15.5M) | (14.2M) | |
32M | 29M | 30.3M | 29.4M | 29.1M | 26.5M | 23.9M | 21.5M | 19.3M | 18.2M | 17M | 16.7M | 17M | 16.4M | 17M | 16.7M | 17.3M | 17.3M | 14.2M | 13.4M | |
OPERATING INCOME | ||||||||||||||||||||
(23.7M) | (21.7M) | (20.9M) | (19.9M) | (18.4M) | (17.9M) | (16.5M) | (16.4M) | (13.6M) | (13.1M) | (12.5M) | (13.1M) | (14M) | (13.5M) | (13.1M) | (13.9M) | (13.8M) | (12.6M) | (11.3M) | (11M) | |
(16.2M) | (11.5M) | (11.6M) | (11.4M) | (10.8M) | (10.4M) | (9.8M) | (9.2M) | (8.3M) | (7.9M) | (7.3M) | (7.7M) | (8.3M) | (8M) | (7.5M) | (8.8M) | (8.5M) | (8.1M) | (6.5M) | (6M) | |
8.3M | 7.3M | 9.5M | 9.5M | 10.7M | 8.6M | 7.4M | 5.1M | 5.6M | 5.2M | 4.6M | 3.6M | 3M | 2.9M | 3.9M | 2.8M | 3.4M | 4.7M | 2.9M | 2.3M | |
PRE-TAX INCOME | ||||||||||||||||||||
(15M) | (14.7M) | (11M) | (3.3M) | (2.6M) | (4.7M) | (6.1M) | (3.2M) | (1.8M) | (1.8M) | (2.3M) | (2.5M) | (3M) | (3.9M) | (4.7M) | (6.5M) | (8.1M) | (10.3M) | (14.5M) | (12.8M) | |
26.2M | 24.4M | 25.6M | 24.2M | 22M | 22.8M | 20.7M | 17.9M | 15.7M | 14.7M | 13.6M | 13.7M | 13.8M | 14.4M | 15.3M | 15M | 15M | 15.2M | 12.1M | 12.4M | |
(7.5M) | (10.2M) | (9.2M) | (8.5M) | (7.6M) | (7.4M) | (6.6M) | (7.2M) | (5.4M) | (5.2M) | (5.2M) | (5.4M) | (5.7M) | (5.5M) | (5.6M) | (5.1M) | (5.3M) | (4.6M) | (4.7M) | (5M) | |
8.3M | 7.3M | 9.5M | 9.5M | 10.7M | 8.6M | 7.4M | 5.1M | 5.6M | 5.2M | 4.6M | 3.6M | 3M | 2.9M | 3.9M | 2.8M | 3.4M | 4.7M | 2.9M | 2.3M | |
NET INCOME | ||||||||||||||||||||
(516.6K) | -107K | (541K) | (879K) | (1.2M) | (629K) | (599K) | (800K) | (2M) | (1.6M) | (1.3M) | (923K) | (356K) | (546K) | (854K) | (219K) | (516K) | (956K) | (334K) | (241K) | |
7.8M | 7.4M | 9M | 8.7M | 9.5M | 8M | 6.8M | 4.3M | 3.5M | 3.6M | 3.2M | 2.7M | 2.6M | 2.4M | 3.1M | 2.5M | 2.9M | 3.8M | 2.6M | 2.1M |
SEC Filings
UBCP - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 14, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | March 19, 2026 | December 31, 2025 | 2025 | |
DEF 14A DEF 14A 2026 N/A | March 18, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 18, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 20, 2026 | February 18, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 03, 2026 | February 03, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 20, 2025 | November 19, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
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Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.