United Bancorp (UBCP) Financial Statements & Analysis

United Bancorp (UBCP) Income Statement

United Bancorp reported revenue of $32.48M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 12.1% from $28.96M a year earlier. Net income was $7.75M, up 4.7% year over year, a net margin of 23.9%. Gross margin was 98.5% and operating margin 25.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $8.62M, up 8.0% from the same quarter a year earlier.

United Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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United Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	32.48	28.96	29.89	28.47	30.41	34.54	30.92	24.95	21.10
Cost of Revenue	15.51	15.02	10.56	2.32	1.34	8.07	7.03	3.48	1.86
Gross Profit	31.99	28.96	30.34	29.43	29.07	26.47	23.89	21.48	19.24
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	13.40	4.67	11.63	11.42	10.80	10.44	9.84	9.25	8.28
Operating Expenses	23.72	21.67	20.85	19.89	18.39	17.89	16.48	16.40	13.65
Operating Income	8.27	7.30	9.49	9.54	10.68	8.58	7.41	5.08	5.59
Other Income/Expense
Interest Income	41.12	39.14	36.60	27.52	24.63	27.53	26.82	21.07	17.44
Interest Expense	15.03	14.72	11.01	3.27	2.60	4.73	6.12	3.18	1.76
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	7.67	7.30	9.49	9.54	10.68	8.58	7.41	5.08	5.59
Income Tax Expense	-0.09	-0.11	0.54	0.88	1.23	0.63	0.60	0.80	2.04
Net Income	7.75	7.40	8.95	8.66	9.45	7.95	6.81	4.28	3.55
Net Income - Continuous Operations	7.75	7.40	8.95	8.66	9.45	7.95	6.81	4.28	3.55
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	9.26	1.23	1.15	1.16	11.97	9.89	8.60	6.10	6.51
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.12	0.15	0.15	0.15	1.29	1.31	1.19	1.02	0.92
Earnings Per Share
Basic EPS	1.00	1.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Diluted EPS	1.00	1.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	5.49	5.54	5.49	5.48	5.48	5.46	5.53	4.95	4.98
Diluted Shares Outstanding	5.49	5.54	5.49	5.48	5.48	5.46	5.53	4.95	4.98

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About United Bancorp Financial Statements

What was United Bancorp's revenue in fiscal 2025?

United Bancorp reported revenue of $32.48M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 12.1% from $28.96M a year earlier.

Is United Bancorp profitable?

Yes. United Bancorp earned net income of $7.75M in fiscal 2025, a net margin of 23.9%. In fiscal 2024 it earned $7.40M.

What is United Bancorp's operating margin?

United Bancorp's operating income was $8.27M on revenue of $32.48M in fiscal 2025, an operating margin of 25.5%, compared with 25.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition