United Bancorp, Inc. (UBCP) Earnings History
Earnings Pressure34 years of earnings data (1992–2025) · 5-year EPS trend is negative
Loading earnings history...
United Bancorp, Inc. (UBCP) Earnings Overview
As of June 29, 2026, United Bancorp, Inc. (UBCP) reported trailing twelve-month net income of $8M, reflecting +5.5% year-over-year growth. The company earned $1.42 per diluted share over the past four quarters, with a net profit margin of 16.3%.
Looking at the long-term picture, UBCP's 5-year EPS compound annual growth rate (CAGR) stands at -0.6%, signaling declining earnings. The company achieved its highest annual net income of $9M in fiscal 2021.
United Bancorp, Inc. maintains industry-leading profitability with a gross margin of 67.4%, operating margin of 17.4%, and net margin of 16.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFBC ($279M net income, 20.3% margin), OVBC ($15M net income, 16.6% margin), FMNB ($57M net income, 20.1% margin), UBCP has room to improve margins relative to the peer group. Compare UBCP vs FFBC →
UBCP Earnings vs Peers
Earnings metrics vs comparable public companies
UBCP Historical Earnings Data (1992–2025)
34 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $8M | +4.7% | $8M | $1.34 | 16.3% | 17.4% |
| 2024 | $7M | -17.3% | $7M | $1.27 | 16.8% | 16.6% |
| 2023 | $9M | +3.4% | $9M | $1.57 | 21.9% | 23.2% |
| 2022 | $9M | -8.4% | $10M | $1.51 | 27.3% | 30.0% |
| 2021 | $9M | +18.8% | $11M | $1.62 | 31.1% | 35.1% |
| 2020 | $8M | +16.8% | $9M | $1.38 | 23.0% | 24.8% |
| 2019 | $7M | +59.0% | $7M | $1.19 | 22.0% | 24.0% |
| 2018 | $4M | +20.8% | $5M | $0.82 | 17.2% | 20.4% |
| 2017 | $4M | -0.9% | $6M | $0.71 | 16.8% | 26.5% |
| 2016 | $4M | +11.0% | $5M | $0.71 | 17.6% | 25.4% |
| 2015 | $3M | +21.6% | $5M | $0.64 | 16.2% | 22.9% |
| 2014 | $3M | +1.5% | $4M | $0.53 | 13.2% | 17.8% |
| 2013 | $3M | +8.9% | $3M | $0.53 | 12.3% | 14.0% |
| 2012 | $2M | -22.4% | $3M | $0.48 | 11.2% | 13.8% |
| 2011 | $3M | +21.4% | $4M | $0.62 | 13.0% | 16.6% |
| 2010 | $3M | -12.3% | $3M | $0.52 | 10.2% | 11.1% |
| 2009 | $3M | -22.7% | $3M | $0.62 | 10.9% | 12.8% |
| 2008 | $4M | +45.4% | $5M | $0.82 | 13.1% | 16.4% |
| 2007 | $3M | +25.0% | $3M | $0.57 | 8.7% | 9.8% |
| 2006 | $2M | -37.2% | $2M | $0.45 | 7.5% | 8.4% |
| 2005 | $3M | +1.9% | $4M | $0.71 | 13.4% | 17.1% |
| 2004 | $3M | -11.2% | $4M | $0.70 | 14.2% | 18.0% |
| 2003 | $4M | +13.0% | $5M | $0.78 | 15.6% | 19.5% |
| 2002 | $3M | +16.9% | $4M | $0.68 | 13.3% | 17.4% |
| 2001 | $3M | +6.5% | $4M | $0.57 | 10.5% | 14.1% |
| 2000 | $3M | -19.2% | $3M | $0.53 | 10.3% | 13.8% |
| 1999 | $3M | +0.0% | $4M | $0.63 | 14.0% | 18.3% |
| 1998 | $3M | +14.3% | $4M | $0.63 | 14.0% | 18.9% |
| 1997 | $3M | +7.7% | $4M | $0.57 | 12.7% | 17.2% |
| 1996 | $3M | +18.2% | $3M | $0.62 | 12.5% | 16.3% |
| 1995 | $2M | +10.0% | $3M | $0.53 | 14.4% | 19.6% |
| 1994 | $2M | +17.6% | $3M | $0.44 | 15.2% | 18.9% |
| 1993 | $2M | +6.3% | $2M | $0.39 | 13.5% | 17.5% |
| 1992 | $2M | - | $2M | $0.36 | 12.5% | 16.4% |
Download Data
Export UBCP earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
34+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
UBCP — Frequently Asked Questions
Quick answers to the most common questions about buying UBCP stock.
What is UBCP earnings per share (EPS)?
UBCP trailing twelve-month (TTM) diluted EPS is $1.42, reflecting +5.5% year-over-year growth. The 5-year EPS CAGR is -0.6%. Complete EPS history from 1992 to 2025 is available in the table on this page.
What is United Bancorp, Inc.'s net income?
United Bancorp, Inc. (UBCP) trailing twelve-month net income is $8M as of 2025. Earnings grew +5.5% year-over-year. United Bancorp, Inc. has been profitable for 34 consecutive years.
Is UBCP profitable?
Yes, UBCP is profitable with a TTM net income of $8M and a net profit margin of +16.3%. United Bancorp, Inc. has generated profits for 34 consecutive years.
What is UBCP's earnings growth rate?
UBCP compound annual EPS growth rates (CAGR): 1-Year: +5.5%, 3-Year: -3.9%, 5-Year: -0.6%, 10-Year: +7.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1992 to 2025.
What are UBCP's profit margins?
United Bancorp, Inc. net profit margin is +16.3%, operating margin is +17.4%, and gross margin is +67.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.6%.
Is UBCP growing earnings?
UBCP is growing earnings steadily. YoY EPS growth of +5.5% is consistent with the 5-year CAGR of -0.6%. TTM net income is $8M.
What was UBCP's best earnings year?
United Bancorp, Inc.'s highest annual net income on record is $9M, achieved in fiscal year 2021. Earnings history on this page spans 1992 to 2025 and includes all annual and quarterly figures.
What were UBCP's earnings last quarter?
UBCP's most recent reported quarter was Q1 2026. Net income was $2M with diluted EPS of $0.33. For a full breakdown of all quarters, see the quarterly earnings table on this page.