Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 47M | 44M | 41M | 32M | 30M |
| Gross Profit | 32M | 29M | 30M | 29M | 29M |
| Operating Income | 8M | 7M | 9M | 10M | 11M |
| EBITDA | 9M | 9M | 11M | 11M | 12M |
| Net Income | 8M | 7M | 9M | 9M | 9M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$15.99
+1.07% today
1Y Change
+4.41%
Window
Jun 23, 2025 → Jun 15, 2026
Coverage: 246 bars · Jun 23, 2025 → Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Bancorp, Inc. (UBCP) is a Financial Services stock with a market cap of $90.00M and listed on NASDAQ. The stock last traded around $15.99 and up 4.4% across the available one-year price window (Jun 23, 2025 → Jun 15, 2026). Baseline metrics include revenue growth of +8.0%, EPS growth of +11.0%, a dividend yield of 5.8%. What stands out right now is revenue +8.0%, EPS +11.0%, free cash flow -46.2% with operating margin 16.1% and ROIC 0.9%. The dividend matters to the case here, with a current yield around 5.8%. Valuation is more restrained than many high-expectation growth names at P/E 12.0 and price/sales 1.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UBCP price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBCP
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UBCP Max Drawdown
-16.28%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UBCP and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$30.4M
-4.2% YoY
FY Net Income
$9.5M
+9.2% YoY
Free Cash Flow
$7.4M
-7.0% YoY
Revenue Growth
+8.0%
EPS Growth
+11.0%
Gross Margin
67.0%
Net Margin
16.3%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 47M | 44M | 41M | 32M | 30M |
| Gross Profit | 32M | 29M | 30M | 29M | 29M |
| Operating Income | 8M | 7M | 9M | 10M | 11M |
| EBITDA | 9M | 9M | 11M | 11M | 12M |
| Net Income | 8M | 7M | 9M | 9M | 9M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 9M | 20M | 41M | 30M | 83M |
| Total Assets | 857M | 817M | 819M | 757M | 724M |
| Total Liabilities | 787M | 753M | 756M | 698M | 653M |
| Shareholder Equity | 71M | 63M | 64M | 60M | 72M |
| Total Debt | 131M | 132M | 128M | 42M | 39M |
| Net Debt | 122M | 113M | 88M | 12M | -44M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
8M
-3.4% YoY
Capital Expenditures
777K
-52.1% YoY
Free Cash Flow
7M
-7.0% YoY
Key ratios
Gross Margin
67.0%
Operating Margin
16.1%
Net Margin
16.3%
ROE
12.0%
Debt / Equity
1.86x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.