Shareholder returns
- Dividends have been paid for 15 consecutive years, consuming 70.7% of earnings.
- The dividend has grown 10.3% per year over the past 5 years.
UBCP Financials UNITED BANCORP INC /OH/
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $8M | — | — | 11.0% | 0.9% | -$1M | — | $47M |
| 2024 | — | $7M | — | — | 11.7% | 0.9% | -$1M | — | $20M |
| 2023 | — | $9M | — | — | 14.1% | 1.1% | $8M | — | $41M |
| 2022 | — | $9M | — | — | 14.5% | 1.1% | $8M | — | $30M |
| 2021 | — | $9M | — | — | 13.2% | 1.3% | $7M | — | $83M |
| 2020 | — | $8M | — | — | 11.6% | 1.1% | $7M | — | $52M |
| 2019 | — | $7M | — | — | 11.4% | 1.0% | $7M | — | $15M |
| 2018 | — | $4M | — | — | 8.5% | 0.7% | $5M | — | $25M |
| 2017 | — | $4M | — | — | 8.1% | 0.8% | $4M | — | $14M |
| 2016 | — | $4M | — | — | 8.4% | 0.8% | $2M | — | — |
| 2015 | — | $3M | — | — | 7.8% | 0.8% | — | — | — |
| 2014 | — | $3M | — | — | 6.6% | 0.7% | — | — | — |
| 2013 | — | $3M | — | — | 6.7% | 0.7% | $6M | — | — |
| 2012 | — | $2M | — | — | 6.5% | 0.5% | $4M | — | — |
| 2011 | — | $3M | — | — | 8.5% | 0.7% | $5M | — | — |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $2M | — | — | 2.9% | 0.2% | -$140000 | — | $46M |
| Mar '26 | — | $2M | — | — | 2.8% | 0.2% | -$2M | — | $27M |
| Dec '25 | — | $2M | — | — | 2.9% | 0.2% | -$2M | — | $47M |
| Sep '25 | — | $2M | — | — | 2.9% | 0.2% | -$367000 | — | $46M |
| Jun '25 | — | $2M | — | — | 3.2% | 0.2% | $1M | — | $50M |
| Mar '25 | — | $2M | — | — | 3.1% | 0.2% | -$594000 | — | $36M |
| Dec '24 | — | $2M | — | — | 2.9% | 0.2% | $2M | — | $20M |
| Sep '24 | — | $2M | — | — | 2.8% | 0.2% | -$2M | — | $38M |
| Jun '24 | — | $2M | — | — | 2.9% | 0.2% | -$2M | — | $38M |
| Mar '24 | — | $2M | — | — | 3.2% | 0.2% | $223000 | — | $47M |
| Dec '23 | — | $2M | — | — | 3.8% | 0.3% | $3M | — | $41M |
| Sep '23 | — | $2M | — | — | 4.5% | 0.3% | $3M | — | $71M |
| Jun '23 | — | $2M | — | — | 3.9% | 0.3% | $3M | — | $82M |
| Mar '23 | — | $2M | — | — | 3.2% | 0.2% | $555000 | — | $101M |
| Dec '22 | — | $2M | — | — | 3.9% | 0.3% | $3M | — | $30M |
| Sep '22 | — | $2M | — | — | 4.3% | 0.3% | $3M | — | $35M |
| Jun '22 | — | $2M | — | — | 3.9% | 0.3% | -$3M | — | $17M |
| Mar '22 | — | $2M | — | — | 2.7% | 0.2% | $5M | — | $69M |
| Dec '21 | — | $2M | — | — | 3.4% | 0.3% | $2M | — | $83M |
| Sep '21 | $721000 | $3M | 0.0% | 0.0% | 4.1% | 0.4% | $3M | — | $91M |
Valuation over time
How the market has priced UBCP against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 9.7× (Mar '23) to 11.7× (Aug '26).
- The dividend yield has risen from 5.4% (Mar '23) to 6.0% (Aug '26).
P/E
Dividend yield %
Frequently asked questions
Is UBCP growing its revenue and profit?
See the revenue and net-income charts above for UNITED BANCORP INC /OH/'s multi-year trend.
How much debt does UBCP have?
As of FY2025, UNITED BANCORP INC /OH/ reported — of total debt against $47M of cash.
What is UBCP's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is UBCP's P/E ratio?
As of Aug '26, UNITED BANCORP INC /OH/ traded at a price-to-earnings ratio of about 11.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.