United Bancorp (UBCP) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), United Bancorp had a P/E ratio of 11.22 (up from 10.66), return on equity of 11.6% (down from 11.7%), debt-to-equity of 1.86 (down from 2.08) and return on assets of 0.9% (up from 0.9%). Its dividend yield was 5.45% with a payout ratio of 70.7%.

United Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	11.22	10.66	8.54	10.22	11.21	9.93
Forward P/E	9.62	8.95	8.92	8.98	10.94	-
P/S Ratio	2.60	2.60	2.42	2.87	3.42	2.84
P/B Ratio	1.18	1.19	1.15	1.42	1.39	1.10
Price/Tangible Book	1.19	1.20	1.17	1.44	1.41	1.12
Price/FCF	-	-	8.76	10.61	13.43	10.96
Price/OCF	7.92	8.91	7.76	9.97	12.15	8.01
PEG Ratio	1.43	1.13	1.13	0.99	1.18	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	11.57%	11.65%	14.51%	13.17%	13.50%	12.40%
Return on Assets (ROA)	0.93%	0.91%	1.14%	1.17%	1.33%	1.15%
Leverage & Solvency Ratios
Debt/Equity	1.86	2.08	2.02	0.70	0.55	0.53
Debt/FCF	-	-	15.31	5.25	5.31	5.30
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	9.36%	9.84%	12.19%	10.24%	9.49%	10.59%
FCF Yield	-1.60%	-1.66%	11.42%	9.43%	7.45%	9.12%
Dividend Yield	5.45%	6.08%	6.22%	5.44%	4.71%	5.78%
Payout Ratio	70.73%	69.08%	53.51%	52.66%	43.39%	42.26%
Buyback Yield	0.86%	-0.89%	-0.13%	-0.11%	-0.35%	1.22%
Total Return	6.31%	5.19%	6.09%	5.33%	4.37%	7.00%

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 Ratios

What is United Bancorp's P/E ratio?

United Bancorp's P/E ratio was 11.22 for fiscal 2025 (period ended Dec 31, 2025). It was 10.66 a year earlier.

What is United Bancorp's return on equity?

United Bancorp's return on equity (ROE) was 11.6% for fiscal 2025 (period ended Dec 31, 2025). It was 11.7% a year earlier.

What is United Bancorp's debt-to-equity ratio?

United Bancorp's debt-to-equity ratio was 1.86 for fiscal 2025 (period ended Dec 31, 2025). It was 2.08 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition