United Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . United Bancorp
UBCP Stock  USD 13.91  0.06  0.43%   
Analyzing historical trends in various income statement and balance sheet accounts from United Bancorp's financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting United Bancorp's valuation are summarized below:
Gross Profit
30.5 M
Profit Margin
0.2479
Market Capitalization
80.3 M
Enterprise Value Revenue
5.8517
Revenue
30.5 M
There are currently one hundred twenty fundamental trend indicators for United Bancorp that can be evaluated and compared over time across competition. Investors and active traders are advised to double-check United Bancorp's current fundamental performance against the performance between 2010 and 2026 to make sure the trends are evolving in the right direction. As of 01/26/2026, Enterprise Value is likely to grow to about 149.4 M, while Market Cap is likely to drop slightly above 41.3 M.

United Bancorp Total Revenue

27.05 Million

Check United Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among United Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.1 M, Interest Expense of 13.9 M or Selling General Administrative of 7.2 M, as well as many indicators such as Price To Sales Ratio of 2.4, Dividend Yield of 0.0349 or PTB Ratio of 1.66. United financial statements analysis is a perfect complement when working with United Bancorp Valuation or Volatility modules.
  
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United Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets473.6 M939.2 M565.6 M
Slightly volatile
Short and Long Term Debt Total159.6 M152 M64.4 M
Slightly volatile
Total Current Liabilities777.6 M740.6 M382.8 M
Slightly volatile
Total Stockholder Equity41.4 M73 M49.8 M
Slightly volatile
Property Plant And Equipment Net28.5 M27.1 M14 M
Slightly volatile
Retained Earnings55.9 M53.3 M30.3 M
Slightly volatile
Accounts Payable5.1 M5.3 M4.6 M
Slightly volatile
Cash22.6 M22.5 M30.8 M
Very volatile
Non Current Assets Total813.2 M774.5 M389.3 M
Slightly volatile
Other Assets955.4 M909.9 M479.1 M
Slightly volatile
Cash And Short Term Investments167.6 M159.7 M115.9 M
Slightly volatile
Net Receivables5.2 M5 M2.4 M
Slightly volatile
Common Stock Shares Outstanding5.4 M6.4 M5.2 M
Slightly volatile
Liabilities And Stockholders Equity473.6 M939.2 M565.6 M
Slightly volatile
Other Stockholder Equity20 M24.2 M17.5 M
Slightly volatile
Total Liabilities909.5 M866.2 M543.9 M
Slightly volatile
Total Current Assets172.9 M164.6 M136 M
Slightly volatile
Short Term Debt24.1 M35.1 M19.2 M
Slightly volatile
Property Plant And Equipment Gross61.1 M58.1 M25.2 M
Slightly volatile
Common Stock5.5 M7.1 M5.6 M
Slightly volatile
Common Stock Total Equity5.4 M7 M5.6 M
Slightly volatile
Other Liabilities5.4 M6.5 M6.3 M
Slightly volatile
Long Term Debt119.4 M113.7 M33.2 M
Slightly volatile
Property Plant Equipment11 M14 M11.6 M
Slightly volatile
Short Term Investments74.4 M137.1 M96 M
Slightly volatile
Other Current Assets41.2 M43.4 M123.8 M
Slightly volatile
Net Tangible Assets53.8 M67.9 M50.8 M
Slightly volatile
Retained Earnings Total Equity26.2 M48.2 M29.4 M
Slightly volatile
Long Term Debt Total28.6 M27.3 M13.8 M
Slightly volatile
Capital Surpluse21.5 M28.5 M21.3 M
Slightly volatile
Long Term Investments101.9 M107.3 M288.7 M
Slightly volatile
Non Current Liabilities Other21.9 M20.8 M12.3 M
Slightly volatile
Short and Long Term Debt39.3 K41.4 K15.9 M
Slightly volatile
Earning Assets244 M232.4 M130.4 M
Slightly volatile
Net Invested Capital114.3 M186.6 M90.5 M
Slightly volatile
Capital Stock6.6 M7.1 M6.1 M
Slightly volatile
Capital Lease Obligations3.1 M3.3 M2.8 M
Slightly volatile

United Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.1 M1.4 M1.1 M
Slightly volatile
Interest Expense13.9 M13.2 M5.8 M
Slightly volatile
Selling General Administrative7.2 M12.7 M8.6 M
Slightly volatile
Selling And Marketing Expenses343.6 K488.8 K360.9 K
Slightly volatile
Total Revenue27 M50.6 M28 M
Slightly volatile
Gross Profit18.3 M33.3 M21.7 M
Slightly volatile
Other Operating Expenses22 M42.2 M22 M
Slightly volatile
Operating Income5.1 M8.4 M6 M
Slightly volatile
EBIT5.1 M8.4 M6 M
Slightly volatile
EBITDA6.2 M9.8 M7.1 M
Slightly volatile
Cost Of Revenue14.2 M13.5 M6.3 M
Slightly volatile
Total Operating Expenses13.3 M24.9 M15.7 M
Slightly volatile
Income Before Tax5.1 M8.4 M6 M
Slightly volatile
Net Income8.9 M8.5 M5.5 M
Slightly volatile
Net Income Applicable To Common Shares10.5 M10 M5.7 M
Slightly volatile
Net Income From Continuing Ops5.9 M8.5 M5.4 M
Slightly volatile
Net Interest Income22.2 M28.1 M18.9 M
Slightly volatile
Interest Income27.7 M45 M23.8 M
Slightly volatile
Reconciled Depreciation1.3 M1.4 M1.1 M
Slightly volatile

United Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow24.5 M46.9 M31.5 M
Slightly volatile
Depreciation1.1 M1.4 M1.1 M
Slightly volatile
Dividends Paid6.2 M5.9 M3.4 M
Slightly volatile
Capital Expenditures11.7 M11.1 M2.9 M
Slightly volatile
Total Cash From Operating Activities5.5 M9.7 M6.6 M
Slightly volatile
Net Income8.9 M8.5 M5.5 M
Slightly volatile
End Period Cash Flow26.5 M22.5 M32.2 M
Very volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.41.882.1875
Pretty Stable
Dividend Yield0.03490.06390.0514
Pretty Stable
PTB Ratio1.661.311.2213
Slightly volatile
Days Sales Outstanding35.5241.2528.018
Slightly volatile
Book Value Per Share6.0810.319.2881
Slightly volatile
Operating Cash Flow Per Share0.821.371.2266
Slightly volatile
Stock Based Compensation To Revenue0.0140.01810.0178
Slightly volatile
Capex To Depreciation7.457.12.2099
Slightly volatile
PB Ratio1.661.311.2213
Slightly volatile
EV To Sales2.463.782.8337
Slightly volatile
ROIC0.05820.04130.0536
Pretty Stable
Net Income Per Share0.621.20.9618
Slightly volatile
Payables Turnover0.430.450.8841
Slightly volatile
Sales General And Administrative To Revenue0.210.230.3093
Slightly volatile
Capex To Revenue0.210.20.0757
Slightly volatile
Cash Per Share23.6822.5623.8329
Slightly volatile
POCF Ratio12.589.89.5915
Pretty Stable
Interest Coverage0.790.451.5696
Very volatile
Payout Ratio0.50.620.6252
Slightly volatile
Capex To Operating Cash Flow1.081.030.3514
Slightly volatile
Days Payables Outstanding881839610
Slightly volatile
Income Quality1.561.311.4358
Slightly volatile
ROE0.110.130.1017
Slightly volatile
EV To Operating Cash Flow18.5625.1313.0817
Slightly volatile
PE Ratio16.7511.1912.7656
Slightly volatile
Return On Tangible Assets0.00980.01040.009
Slightly volatile
Earnings Yield0.0570.09250.0832
Slightly volatile
Intangibles To Total Assets9.0E-49.0E-40.0015
Pretty Stable
Current Ratio0.110.20.2415
Pretty Stable
Tangible Book Value Per Share6.0210.189.1697
Slightly volatile
Receivables Turnover10.389.1615.1904
Slightly volatile
Graham Number9.116.714.0576
Slightly volatile
Shareholders Equity Per Share6.0810.319.2881
Slightly volatile
Debt To Equity0.971.881.0889
Pretty Stable
Capex Per Share1.651.580.4809
Slightly volatile
Average Receivables2.8 M2.7 M2.4 M
Pretty Stable
Revenue Per Share4.027.155.1898
Slightly volatile
Interest Debt Per Share25.0723.8712.5575
Slightly volatile
Debt To Assets0.080.150.0951
Pretty Stable
Enterprise Value Over EBITDA15.9524.9112.0318
Slightly volatile
Short Term Coverage Ratios0.330.250.487
Very volatile
Price Earnings Ratio16.7511.1912.7656
Slightly volatile
Operating Cycle35.5241.2528.018
Slightly volatile
Price Book Value Ratio1.661.311.2213
Slightly volatile
Days Of Payables Outstanding881839610
Slightly volatile
Dividend Payout Ratio0.50.620.6252
Slightly volatile
Price To Operating Cash Flows Ratio12.589.89.5915
Pretty Stable
Pretax Profit Margin0.150.16590.2103
Pretty Stable
Operating Profit Margin0.150.16590.2103
Pretty Stable
Company Equity Multiplier9.1411.5811.0679
Pretty Stable
Long Term Debt To Capitalization0.280.550.3818
Pretty Stable
Total Debt To Capitalization0.390.610.475
Pretty Stable
Return On Capital Employed0.04620.04860.0746
Pretty Stable
Debt Equity Ratio0.971.881.0889
Pretty Stable
Ebit Per Revenue0.150.16590.2103
Pretty Stable
Quick Ratio0.110.20.2415
Pretty Stable
Dividend Paid And Capex Coverage Ratio0.620.661.4896
Slightly volatile
Net Income Per E B T0.650.910.8245
Slightly volatile
Cash Ratio0.04470.02740.0695
Slightly volatile
Operating Cash Flow Sales Ratio0.160.170.2314
Pretty Stable
Days Of Sales Outstanding35.5241.2528.018
Slightly volatile
Cash Flow Coverage Ratios0.06980.07350.1717
Slightly volatile
Price To Book Ratio1.661.311.2213
Slightly volatile
Fixed Asset Turnover2.932.142.2504
Slightly volatile
Capital Expenditure Coverage Ratio0.951.05.8676
Very volatile
Price Cash Flow Ratio12.589.89.5915
Pretty Stable
Enterprise Value Multiple15.9524.9112.0318
Slightly volatile
Debt Ratio0.080.150.0951
Pretty Stable
Cash Flow To Debt Ratio0.06980.07350.1717
Slightly volatile
Price Sales Ratio2.41.882.1875
Pretty Stable
Return On Assets0.00980.01040.009
Slightly volatile
Asset Turnover0.06790.06190.052
Pretty Stable
Net Profit Margin0.120.150.176
Slightly volatile
Gross Profit Margin0.540.590.7708
Pretty Stable
Price Fair Value1.661.311.2213
Slightly volatile
Return On Equity0.110.130.1017
Slightly volatile

United Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap41.3 M63.4 M57.1 M
Slightly volatile
Enterprise Value149.4 M142.3 M84.5 M
Slightly volatile

United Fundamental Market Drivers

United Upcoming Events

1st of February 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About United Bancorp Financial Statements

United Bancorp shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although United Bancorp investors may analyze each financial statement separately, they are all interrelated. The changes in United Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses on on United Bancorp's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-14 M-14.7 M
Total Revenue50.6 M27 M
Cost Of Revenue13.5 M14.2 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.23  0.21 
Capex To Revenue 0.20  0.21 
Revenue Per Share 7.15  4.02 
Ebit Per Revenue 0.17  0.15 

Pair Trading with United Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if United Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in United Bancorp will appreciate offsetting losses from the drop in the long position's value.

Moving together with United Stock

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Moving against United Stock

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The ability to find closely correlated positions to United Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace United Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back United Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling United Bancorp to buy it.
The correlation of United Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as United Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if United Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for United Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Additional Tools for United Stock Analysis

When running United Bancorp's price analysis, check to measure United Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Bancorp is operating at the current time. Most of United Bancorp's value examination focuses on studying past and present price action to predict the probability of United Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Bancorp's price. Additionally, you may evaluate how the addition of United Bancorp to your portfolios can decrease your overall portfolio volatility.
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