United Bancorp, Inc. (UBCP) Income Statement
UBCP 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsUBCP revenue and net income
Where UBCP's revenue goes
2025Each bar shows an amount and its share of revenue. UBCP kept 16.3% of revenue as net income.
UBCP profit margins
UBCP growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +8.0% | +14.4% | +6.6% | +9.1% |
| Gross profit | +10.5% | +2.8% | +3.9% | +6.5% |
| Operating income | +13.4% | −4.6% | −0.7% | +6.1% |
| Net income | +4.7% | −3.6% | −0.5% | +9.2% |
| EPS (diluted) | +4.5% | −3.0% | −0.1% | +7.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
UBCP quarterly EPS vs estimates
United Bancorp beat the analyst EPS estimate in 2 of the last 2 quarters. Next report: November 5, 2026.
UBCP income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $47.5M | $44.0M | $40.9M | $31.7M | $30.4M | $34.5M | $30.9M | $25.0M | $21.1M | $20.3M |
| Cost of revenue | $15.5M | $15.0M | $10.6M | $2.3M | $1.3M | $8.1M | $7.0M | $3.5M | $1.9M | $2.1M |
| Gross profit | $32.0M | $29.0M | $30.3M | $29.4M | $29.1M | $26.5M | $23.9M | $21.5M | $19.2M | $18.2M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $16.2M | $11.5M | $11.6M | $11.4M | $10.8M | $10.4M | $9.8M | $9.2M | $8.3M | $7.9M |
| Total operating expenses | $23.7M | $21.7M | $20.9M | $19.9M | $18.4M | $17.9M | $16.5M | $16.4M | $13.6M | $13.1M |
| Operating income | $8.3M | $7.3M | $9.5M | $9.5M | $10.7M | $8.6M | $7.4M | $5.1M | $5.6M | $5.2M |
| Interest income | $41.1M | $39.1M | $34.9M | $27.5M | $24.6M | $27.5M | $26.8M | $21.1M | $17.4M | $16.5M |
| Interest expense | $15.0M | $14.7M | $11.0M | $3.3M | $2.6M | $4.7M | $6.1M | $3.2M | $1.8M | $1.8M |
| Income before taxes | $8.3M | $7.3M | $9.5M | $9.5M | $10.7M | $8.6M | $7.4M | $5.1M | $5.6M | $5.2M |
| Income taxes | $516,647 | −$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 |
| EBITDA | $9.6M | $8.5M | $10.6M | $10.7M | $12.0M | $9.9M | $8.6M | $6.1M | $6.5M | $6.0M |
| EPS (diluted) | $1.38 | $1.32 | $1.57 | $1.51 | $1.62 | $1.39 | $1.19 | $0.99 | $0.71 | $1.17 |
| Gross margin | 67.4% | 65.8% | 74.2% | 92.7% | 95.6% | 76.6% | 77.3% | 86.1% | 91.2% | 89.7% |
| Operating margin | 17.4% | 16.6% | 23.2% | 30.0% | 35.1% | 24.8% | 24.0% | 20.4% | 26.5% | 25.4% |
| Net margin | 16.3% | 16.8% | 21.9% | 27.3% | 31.1% | 23.0% | 22.0% | 17.2% | 16.8% | 17.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.1M | $11.4M | $12.6M | $12.0M | $11.8M | $11.1M | $11.3M | $11.2M | $11.1M | $10.5M | $10.7M | $10.6M |
| Cost of revenue | $3.7M | $3.5M | $3.9M | $4.1M | $4.0M | $3.7M | $3.9M | $3.9M | $3.8M | $3.5M | $3.0M | $2.9M |
| Gross profit | $8.5M | $7.9M | $8.7M | $7.9M | $7.8M | $7.4M | $7.4M | $7.3M | $7.3M | $7.0M | $7.7M | $7.7M |
| Sales, general & admin | $3.6M | $3.4M | $3.5M | $3.4M | $3.3M | $3.2M | $3.1M | $3.1M | $3.1M | $2.2M | $2.8M | $2.8M |
| Total operating expenses | $6.4M | $6.2M | $6.7M | $6.0M | $5.8M | $5.6M | $5.6M | $5.5M | $5.7M | $4.8M | $5.1M | $5.2M |
| Operating income | $2.1M | $1.8M | $2.0M | $1.9M | $1.9M | $1.8M | $1.8M | $1.8M | $1.6M | $2.1M | $2.6M | $2.5M |
| Interest income | $10.5M | $9.9M | $10.5M | $10.5M | $10.3M | $9.7M | $10.0M | $9.8M | $9.8M | $9.5M | $9.6M | $9.7M |
| Interest expense | $3.5M | $3.5M | $3.7M | $3.9M | $3.8M | $3.6M | $3.7M | $3.8M | $3.7M | $3.5M | $3.2M | $3.1M |
| Income before taxes | $2.1M | $1.8M | $2.0M | $1.9M | $1.9M | $1.8M | $1.8M | $1.8M | $1.6M | $2.1M | $2.6M | $2.5M |
| Income taxes | −$33,941 | −$160,064 | −$62,000 | −$20,000 | $22,647 | −$26,000 | −$66,000 | −$64,000 | −$127,000 | $150,000 | $202,000 | $58,000 |
| Net income | $2.1M | $1.9M | $2.0M | $1.9M | $1.9M | $1.9M | $1.8M | $1.8M | $1.7M | $2.0M | $2.4M | $2.4M |
| EBITDA | $2.1M | $2.2M | $2.3M | $2.3M | $2.3M | $2.2M | $2.1M | $2.2M | $1.8M | $2.4M | $2.9M | $2.7M |
| EPS (diluted) | $0.36 | $0.33 | $0.37 | $0.34 | $0.33 | $0.34 | $0.33 | $0.32 | $0.31 | $0.36 | $0.42 | $0.42 |
| Gross margin | 69.9% | 69.1% | 69.1% | 65.9% | 65.9% | 66.8% | 65.8% | 65.3% | 65.8% | 66.6% | 71.6% | 72.4% |
| Operating margin | 17.0% | 15.3% | 15.7% | 15.9% | 16.4% | 16.6% | 15.8% | 15.7% | 14.6% | 20.4% | 24.1% | 23.1% |
| Net margin | 17.2% | 16.7% | 16.2% | 16.1% | 16.2% | 16.8% | 16.4% | 16.3% | 15.7% | 19.0% | 22.3% | 22.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in UBCP's financial statements (latest annual report filed March 18, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
UBCP financial results
In fiscal year 2025 (ended December 31, 2025), United Bancorp reported revenue of $47.5 million, up 8.0% from the year before. It had net income of $7.8 million (up 4.7%), a net profit margin of 16.3%. Diluted earnings per share came to $1.38. Over five years revenue grew at an average rate of 6.6% a year.
See the UBCP stock overview for the latest quote and news, or the UBCP chart for price history and technical indicators.
UBCP income statement FAQ
What is United Bancorp's annual revenue?
United Bancorp reported total revenue of $47.5 million for fiscal year 2025, which ended on December 31, 2025. That was up 8.0% from $44.0 million the previous year.
Is United Bancorp profitable?
Yes. United Bancorp reported net income of $7.8 million in fiscal 2025, a net profit margin of 16.3%; its operating margin was 17.4%.
What is United Bancorp's gross margin?
United Bancorp's gross margin was 67.4% in fiscal 2025: for every $100 of revenue, United Bancorp kept $67 after the direct cost of its products and services.
How fast is United Bancorp growing?
Revenue grew 6.6% a year on average over the last five fiscal years, from $34.5 million to $47.5 million.
What are United Bancorp's earnings per share?
United Bancorp earned $1.38 per diluted share in fiscal 2025, compared with $1.32 a year earlier.
When will United Bancorp report its next earnings?
United Bancorp is expected to report results for the quarter ending September 30, 2026 on November 5, 2026.
When does United Bancorp's fiscal year end?
United Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 18, 2026.