UBCP
United Bancorp, Inc.13.77
-0.23-1.64%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '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
10-K
FY2025 results
United Bancorp grew average loans to $480.8M in FY2025 ended December 31, 2025, up from $463.6M in 2024, fueling a 5.91% yield while tax-exempt securities at $197.4M average delivered 4.71%. Net interest income dipped to $26.8M from $27.4M as deposit costs climbed, yet the bank stayed well capitalized. Q4 saw nonaccrual loans tick to 0.46% of total loans from 0.15% year-end 2024, with ACL rising to 0.87% coverage. No buybacks occurred. Cybersecurity threats loom large.
8-K
Declares regular and special dividends
United Bancorp declared a Q1 2026 regular dividend of $0.1925 per share, up 5.5% from last year, plus a one-time special dividend of $0.1750 per share, both payable March 20 to record holders on March 10. Board cited solid earnings, ample liquidity, and strong capital at year-end 2025. Forward yield hits 5.4%. Special payout boosts 2026 total to $0.9450.
8-K
Earnings up 10% Q4, 5% FY
United Bancorp reported Q4 2025 net income of $2.0M, up 10% year-over-year, and full-year $7.8M, up 4.7%, with diluted EPS at $0.35 and $1.34 respectively. Assets grew 5% to $857M on loan and deposit expansion, lifting net interest margin to 3.70%; noninterest expenses rose from new branches and tech investments. Credit quality holds: nonaccruals at 0.46%. Growth investments pay off soon.
8-K
Q4 dividend hiked to $0.19
United Bancorp declared a Q4 2025 dividend of $0.19 per share, payable December 19 to record holders on December 10—up from prior quarters' $0.1825-$0.1875. Year-to-date dividends hit $0.92, a 7.6% rise over last year including a $0.1750 special. Forward yield stands at 5.4%. Steady payout signals confidence.
10-Q
Q3 FY2025 results
United Bancorp posted Q3 net income of $1.9M, up 6% y/y, with diluted EPS at $0.34 (up 10%) on stronger loan and securities yields that lifted net interest income 10% y/y to $6.7M. YTD through September 30, 2025, net income hit $5.7M (up 3% y/y) and EPS $0.99, backed by 6% y/y revenue growth to $30.9M amid 5% asset expansion to $867M; EPS reconciles to 5.5M diluted shares after restricted stock allocation. Deposits swelled 5% y/y to $645M while cash jumped to $46M, funding $75M FHLB advances (4.1-4.4% fixed, maturing 2026-2028). Solid credit metrics prevailed. Loans repriced higher.
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