Latest revenue
$2.5M
as of 2026-03-31
Latest net income
$1.9M
as of 2026-03-31
Net margin
77.3%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $84.2M
- Enterprise value
- $84.2M
- P/E (trailing)
- 10.9×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 6.4%
- 52-wk high
- $17.34
- 52-wk low
- $12.47
- Beta
- —
- Shares out
- 5.8M
5-year trend
What this company does
ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operation The following discusses the consolidated financial condition of the Company as of March 31, 2026, as compared to December 31, 2025, and the results of consolidated operations for the three months ended March 31, 2026, compared to the same period in 2025. This discussion should be read in conjunction with the interim condensed consolidated financial statements and related footnotes included herein. Introduction We are happy to report on the earnings performance of United Bancorp, Inc. (UBCP) for the first quarter ended March 31, 2026. For the quarter, our Company achieved solid net income and diluted…
AI summary unavailable — showing raw filing excerpt
Generated from UBCP's filing dated 2026-05-14
Key risks
ITEM 1A. Risk Factors Smaller reporting companies are not required to provide this information.
AI summary unavailable — showing raw filing excerpt
Generated from UBCP's filing dated 2026-05-14
Profitability
Net margin
18.3%
0.2%Return on equity
12.2%
4.7%Return on assets
25.1%
33.6%Leverage
Debt / equity
-0.51×
25.8%Debt / assets
-105.2%
52.9%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $2.5M | +18.4% | $1.9M | +2.1% | 77.3% |
Q4 2025 2025-12-31 | $37.9M | +7.0% | $2.0M | +10.1% | 5.4% |
Q3 2025 2025-09-30 | $1.4M | -22.4% | $1.9M | +6.1% | 142.5% |
Q2 2025 2025-06-30 | $962.0K | -23.7% | $1.9M | +10.1% | 199.0% |
Q1 2025 2025-03-31 | $2.1M | +9.3% | $1.9M | -6.1% | 89.6% |
Q4 2024 2024-12-31 | $35.4M | — | $1.9M | — | 5.2% |
Q3 2024 2024-09-30 | $1.7M | — | $1.8M | -23.9% | 104.2% |
Q2 2024 2024-06-30 | $1.3M | — | $1.7M | -23.7% | 137.9% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
State Commercial Banks · SIC 6022
Your notes
Keep private notes on UBCP — thesis, target price, catalysts to watch.
Visible only to you. Never shared. Never used to train AI.
Insider activity
No insider transactions on file for UBCP in the last 12 months.
Source: SEC Form 4 filings. Backfill runs nightly.
Who owns UBCP
Institutional value
$7.7M
Total shares held
506.9K
Distinct holders
20
-13 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | VANGUARD CAPITAL MANAGEMENT LLC | 90.9K | $1.4M | — | New |
| 2 | Commonwealth Financial Services, LLC | 87.4K | $1.3M | +963 (+1.1%) | Added |
| 3 | DIMENSIONAL FUND ADVISORS LP | 45.2K | $686.8K | +0 (+0.0%) | No change |
| 4 | Post Resch Tallon Group Inc. | 43.2K | $656.7K | +250 (+0.6%) | Added |
| 5 | BAHL & GAYNOR INC | 40.0K | $609.2K | +0 (+0.0%) | No change |
| 6 | Appalachian Capital Management Ltd | 33.4K | $507.6K | +14 (+0.0%) | Added |
| 7 | VANGUARD FIDUCIARY TRUST CO | 32.1K | $488.2K | — | New |
| 8 | WESBANCO BANK INC | 31.4K | $477.0K | -1.0K (-3.1%) | Trimmed |
| 9 | Founders Financial Alliance, LLC | 29.0K | $440.8K | -6.2K (-17.7%) | Trimmed |
| 10 | BlackRock, Inc. | 24.5K | $372.7K | +133 (+0.5%) | Added |
| 11 | Koss-Olinger Consulting, LLC | 23.3K | $355.0K | +0 (+0.0%) | No change |
| 12 | LPL Financial LLC | 14.7K | $224.2K | +31 (+0.2%) | Added |
| 13 | LORING WOLCOTT & COOLIDGE FIDUCIARY ADVISORS LLP/MA | 6.9K | $112.2K | +0 (+0.0%) | No change |
| 14 | Russell Investments Group, Ltd. | 2.5K | $38.8K | -422 (-14.2%) | Trimmed |
| 15 | Vanguard Global Advisers, LLC | 1.9K | $28.6K | — | New |
| 16 | UBS Group AG | 425 | $6.5K | -120 (-22.0%) | Trimmed |
| 17 | Virginia Estate & Retirement Planning Advisors Inc. | 56 | $2.3K | — | New |
| 18 | SBI Securities Co., Ltd. | 11 | $167 | +0 (+0.0%) | No change |
| 19 | CITIGROUP INC | 1 | $15 | — | New |
| 20 | WELLS FARGO & COMPANY/MN | 1 | $12 | +1 | New |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once UBCP's latest filing finishes processing.