United Bancorp, Inc. (UBCP) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 6.51M | 6.8M | 6.64M | 6.5M | 6.15M | 6.25M | 6.04M | 6.11M | 6.02M | 6.41M | 6.49M | 6.31M | 6.38M | 6.5M | 6.32M | 5.94M | 5.49M | 5.62M | 5.58M | 5.54M |
| NII Growth % | 5.82% | 8.82% | 9.85% | 6.5% | 2.26% | -2.48% | -6.82% | -3.16% | -5.72% | -1.37% | 2.58% | 6.18% | 16.23% | 15.63% | 13.2% | 7.18% | 3.88% | -5.94% | -2.39% | 0.87% |
| Net Interest Margin % | 0.76% | 0.79% | 0.77% | 0.77% | 0.74% | 0.77% | 0.73% | 0.74% | 0.72% | 0.78% | 0.8% | 0.76% | 0.75% | 0.86% | 0.83% | 0.83% | 0.75% | 0.78% | 0.76% | 0.76% |
| Interest Income | 10.01M | 10.51M | 10.54M | 10.32M | 9.75M | 9.98M | 9.85M | 9.78M | 9.52M | 9.61M | 9.57M | 9.25M | 8.17M | 7.88M | 7.25M | 6.42M | 5.98M | 6.13M | 6.21M | 6.22M |
| Interest Expense | 3.5M | 3.71M | 3.91M | 3.82M | 3.6M | 3.73M | 3.81M | 3.68M | 3.51M | 3.2M | 3.08M | 2.94M | 1.78M | 1.38M | 928K | 477K | 487K | 516K | 629K | 676K |
| Loan Loss Provision | 30K | 186K | 186K | 206.53K | 96K | 125K | 69K | 104K | 0 | -154K | -154K | -146K | 0 | 15K | 15K | -485K | -500K | -400K | -400K | -250K |
| Non-Interest Income | 1.42M | 2.09M | 1.44M | 1.48M | 1.38M | 1.29M | 1.31M | 1.28M | 964K | 1.12M | 1.04M | 1.08M | 1.06M | 1.11M | 1.09M | 1.02M | 1.01M | 1.37M | 2.31M | 1.16M |
| Non-Interest Income % | 12.46% | 16.59% | 12.01% | 12.54% | 12.36% | 11.45% | 11.75% | 11.55% | 9.19% | 10.46% | 9.84% | 10.49% | 11.46% | 12.35% | 13.07% | 13.67% | 14.4% | 18.26% | 27.07% | 15.69% |
| Total Revenue | 11.44M | 12.6M | 11.98M | 11.8M | 11.12M | 11.27M | 11.16M | 11.06M | 10.49M | 10.73M | 10.61M | 10.33M | 9.22M | 8.99M | 8.34M | 7.43M | 6.98M | 7.5M | 8.52M | 7.38M |
| Revenue Growth % | 2.84% | 11.78% | 7.38% | 6.68% | 6.06% | 5.03% | 5.13% | 7.07% | 13.69% | 19.43% | 27.27% | 39% | 32.07% | 19.76% | -2.12% | 0.79% | -0.43% | -6.7% | -5.66% | -19% |
| Non-Interest Expense | 6.16M | 6.73M | 5.98M | 5.84M | 5.59M | 5.63M | 5.53M | 5.67M | 4.84M | 5.09M | 5.23M | 5.09M | 5.44M | 5.05M | 4.88M | 4.85M | 5.11M | 4.45M | 4.94M | 4.55M |
| Efficiency Ratio | 53.81% | 53.4% | 49.9% | 49.51% | 50.22% | 49.95% | 49.55% | 51.26% | 46.13% | 47.44% | 49.3% | 49.25% | 58.95% | 56.21% | 58.5% | 65.24% | 73.17% | 59.32% | 58% | 61.69% |
| Operating Income | 1.75M | 1.97M | 1.91M | 1.94M | 1.85M | 1.78M | 1.76M | 1.61M | 2.14M | 2.59M | 2.45M | 2.45M | 2M | 2.54M | 2.52M | 2.59M | 1.89M | 2.94M | 3.35M | 2.4M |
| Operating Margin % | 15.3% | 15.67% | 15.95% | 16.42% | 16.6% | 15.82% | 15.74% | 14.57% | 20.43% | 24.15% | 23.08% | 23.69% | 21.69% | 28.25% | 30.19% | 34.87% | 27.02% | 39.14% | 39.31% | 32.53% |
| Operating Income Growth % | -5.16% | 10.71% | 8.83% | 20.17% | -13.86% | -31.21% | -28.33% | -34.15% | 7.1% | 2.09% | -2.7% | -5.56% | 6.04% | -13.55% | -24.84% | 8.04% | -5.41% | 0.34% | 48.3% | 41.87% |
| Pretax Income | 1.75M | 1.97M | 1.91M | 1.94M | 1.85M | 1.78M | 1.76M | 1.61M | 2.14M | 2.59M | 2.45M | 2.45M | 2M | 2.54M | 2.52M | 2.59M | 1.89M | 2.94M | 3.35M | 2.4M |
| Pretax Margin % | 15.3% | 15.67% | 15.95% | 16.42% | 16.6% | 15.82% | 15.74% | 14.57% | 20.43% | 24.15% | 23.08% | 23.69% | 21.69% | 28.25% | 30.19% | 34.87% | 27.02% | 39.14% | 39.31% | 32.53% |
| Income Tax | -160.06K | -62K | -20K | 22.65K | -26K | -66K | -64K | -127K | 150K | 202K | 58K | 168K | 113K | 233K | 215K | 295K | 136K | 481K | 448K | 214K |
| Effective Tax Rate % | -9.14% | -3.14% | -1.05% | 1.17% | -1.41% | -3.7% | -3.64% | -7.88% | 7% | 7.79% | 2.37% | 6.86% | 5.65% | 9.18% | 8.54% | 11.38% | 7.21% | 16.38% | 13.37% | 8.92% |
| Net Income | 1.91M | 2.04M | 1.93M | 1.91M | 1.87M | 1.85M | 1.82M | 1.74M | 1.99M | 2.39M | 2.39M | 2.28M | 1.89M | 2.31M | 2.3M | 2.3M | 1.75M | 2.46M | 2.9M | 2.19M |
| Net Margin % | 16.7% | 16.16% | 16.11% | 16.22% | 16.83% | 16.4% | 16.31% | 15.72% | 19% | 22.27% | 22.54% | 22.07% | 20.47% | 25.66% | 27.61% | 30.9% | 25.07% | 32.73% | 34.06% | 29.63% |
| Net Income Growth % | 2.07% | 10.11% | 6.1% | 10.09% | -6.07% | -22.64% | -23.91% | -23.73% | 5.56% | 3.64% | 3.86% | -0.74% | 7.82% | -6.11% | -20.64% | 5.13% | -8.23% | -6.97% | 40.94% | 30.45% |
| Net Income (Continuing) | 1.91M | 2.04M | 1.93M | 1.91M | 1.87M | 1.85M | 1.82M | 1.74M | 1.99M | 2.39M | 2.39M | 2.28M | 1.89M | 2.31M | 2.3M | 2.3M | 1.75M | 2.46M | 2.9M | 2.19M |
| EPS (Diluted) | 0.33 | 0.35 | 0.34 | 0.33 | 0.32 | 0.31 | 0.31 | 0.30 | 0.35 | 0.42 | 0.42 | 0.40 | 0.33 | 0.42 | 0.40 | 0.40 | 0.30 | 0.45 | 0.50 | 0.38 |
| EPS Growth % | 3.13% | 12.9% | 9.68% | 10% | -8.57% | -26.19% | -26.19% | -25% | 6.06% | 0% | 5% | 0% | 10% | -6.67% | -20% | 5.26% | -9.09% | -6.25% | 38.89% | 31.03% |
| EPS (Basic) | 0.35 | 0.35 | 0.34 | 0.33 | 0.32 | 0.31 | 0.31 | 0.30 | 0.35 | 0.42 | 0.42 | 0.40 | 0.33 | 0.42 | 0.40 | 0.40 | 0.30 | 0.45 | 0.50 | 0.38 |
| Diluted Shares Outstanding | 5.5M | 5.81M | 5.49M | 5.49M | 5.54M | 5.63M | 5.62M | 5.63M | 5.5M | 5.49M | 5.49M | 5.5M | 5.48M | 5.49M | 5.49M | 5.48M | 5.46M | 5.48M | 5.48M | 5.48M |