Stocktoria
UNITED BANCORP INC /OH/ UBCP
Nasdaq · stock · State Commercial Banks · website · IPO 1993-03-01
UNITED BANCORP INC /OH/ financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $11.0M | $3.3M | $2.6M | $4.7M | $6.1M | $3.2M | $1.8M | $1.8M |
| Income tax | -$86,000 | -$107,000 | $541,000 | $879,000 | $1.2M | $629,000 | $599,000 | $800,000 | $2.0M | $1.6M |
| Net income | $7.8M | $7.4M | $8.9M | $8.7M | $9.5M | $8.0M | $6.8M | $4.3M | $3.5M | $3.6M |
| EPS (diluted) | $1.34 | $1.27 | $1.57 | $1.50 | $1.62 | $1.39 | $1.19 | $0.82 | $0.71 | $0.71 |
| Operating cash flow | $10.5M | $8.4M | $9.5M | $8.5M | $8.2M | $9.4M | $8.6M | $5.8M | $4.6M | $4.2M |
| Free cash flow | -$1.3M | -$1.2M | $8.4M | $8.0M | $7.4M | $6.9M | $7.3M | $5.0M | $3.8M | $1.9M |
| Cash & equivalents | $46.5M | $19.6M | $40.8M | $30.1M | $83.0M | $51.6M | $15.0M | $25.3M | $14.3M | $11.5M |
| Total assets | $857.4M | $816.7M | $819.4M | $757.4M | $724.5M | $693.4M | $685.7M | $593.2M | $459.3M | $438.0M |
| Total liabilities | $786.9M | $753.2M | $755.9M | $697.7M | $652.8M | $625.1M | $625.8M | $542.6M | $415.4M | $395.4M |
| Shareholders' equity | $70.5M | $63.5M | $63.6M | $59.7M | $71.7M | $68.3M | $59.9M | $50.6M | $43.9M | $42.6M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +4.7% | -17.3% | +3.4% | -8.4% | +18.8% | +16.8% | +59.0% | +20.8% | -0.9% | +11.0% |
| EPS growth | +5.5% | -19.1% | +4.7% | -7.4% | +16.5% | +16.8% | +45.1% | +15.5% | +0.0% | +10.9% |
| Free cash flow growth | — | -114.9% | +5.2% | +7.5% | +8.2% | -5.9% | +46.5% | +31.3% | +97.1% | -35.2% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.