UBCP
United Bancorp, Inc.13.77
-0.23-1.64%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
79.51MP/E (TTM)
10.51Basic EPS (TTM)
1.31Dividend Yield
0.05%Recent Filings
8-K
8-K
8-K
Dividend hiked to $0.1875
United Bancorp, Inc. declared a third-quarter dividend of $0.1875 per share on August 20, 2025, payable September 19 to shareholders of record on September 10. This marks a 5.6% increase from last year's third-quarter payout and tops the first- and second-quarter dividends of $0.1825 and $0.1850, pushing year-to-date totals to $0.73 including a $0.1750 special. The move yields 5.2% forward based on a $14.50 share price. It signals steady cash flow confidence amid $847.9 million in assets.
10-Q
Q2 FY2025 results
United Bancorp's Q2 net income climbed 10% year-over-year to $1.9M, with diluted EPS at $0.33, up from $0.30, fueled by net interest income rising 6.4% to $6.6M on loan growth and variable rate repricing, while the net interest margin expanded to 3.65% from 3.54%. Gross loans hit a record $500.7M, up 3.4% year-over-year, with commercial and real estate segments driving 80% of the mix, though nonaccrual loans ticked up to 0.36% of total. Deposits swelled 3.2% to $642.9M, bolstering liquidity at $49.7M cash, against $75M in fixed-rate FHLB advances maturing through 2028. Non-GAAP metrics not disclosed in the 10-Q. Credit quality holds firm, but rising rates pressure borrowers.
8-K
Q2 earnings rise 10%
United Bancorp reported Q2 2025 net income of $1.9 million, up 10% year-over-year, with diluted EPS at $0.33. Total assets grew 3.2% to $847.9 million, driven by 3.4% loan expansion to $500.7 million and a net interest margin of 3.65%, up 11 basis points, despite economic uncertainty from tariffs and inflation. Investments in infrastructure like a new Wheeling center and digital tools aim for $1 billion assets, but elevated provisions for credit losses signal caution. Growth persists.
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