UBCP

Shares of United Bancorp, Inc. UBCP have declined 2.7% since the company reported results for the quarter ended March 31, 2026, compared with a 1.1% growth in the S&P 500 index over the same period. Over the past month, the stock fell 4.4%, underperforming the broader market’s 6.8% growth. United Bancorp reported first-quarter 2026 earnings per share of 33 cents, which increased 3.1% from 32 cents a year earlier. Total interest income rose 1.8% year over year to $10 million, driven primarily by higher loan income and loan fees. Net interest income climbed 4.2% to $6.5 million as total interest expense declined 2.6% to $3.5 million. Total noninterest income increased 11.2% to $1.4 million, though total noninterest expense rose 10.2% to $6.2 million as the company continued investing in infrastructure and technology initiatives. Net income of $1.91 million denoted a 2.1% increase from $1.87 million in the year-ago quarter. United Bancorp, Inc. price-consensus-eps-surprise-chart | United Bancorp, Inc. Quote United Bancorp ended the quarter with total assets of $858.5 million, up 3.4% from a year earlier. Gross loans increased 0.7% to $500.3 million, while securities holdings rose 2.6% to $239.9 million. Bank-owned life insurance nearly doubled year over year to $38.2 million. Deposit growth remained a key driver of balance-sheet expansion. Total deposits increased 6.8% year over year to $666.7 million. Lower-cost funding sources — including noninterest-bearing demand, interest-bearing demand and savings deposits — grew by $27.4 million to $474.6 million, accounting for 71.2% of total deposits. Higher-cost time deposits rose $15.2 million to $192 million. The company also benefited from the maturity of a $20 million Federal Home Loan Bank advance carrying a 4.39% interest rate, contributing to lower funding costs. Advances from the Federal Home Loan Bank declined 26.7% year over year to $55 million. United Bancorp continued to report improving profitability metrics. Net interest margin expanded 12 basis points year over year to 3.72%, while interest expense relative to average assets declined to 1.64% from 1.75%. Management said it expects favorable trends in net interest income and margin expansion to continue through 2026. Credit-quality metrics, however, reflected some deterioration from unusually low prior-year levels. Nonaccrual loans surged 234.4% year ove...

MARTINS FERRY, OH / ACCESS Newswire / May 7, 2026 / United Bancorp, Inc. (NASDAQ:UBCP) reported diluted earnings per share of $0.33 and net income of $1,911,000 for the three months ended March 31, 2026. Randall M. Greenwood, Senior Vice President, CFO and Treasurer remarked, "We are happy to report on the earnings performance of United Bancorp, Inc. (UBCP) for the first quarter ended March 31, 2026. For the quarter, our Company achieved solid net income and diluted earnings per share results of $1,911,000 and $0.33, which were respective increases of $39,000, or 2.1%, and $0.01, or 3.1%, over the results achieved for each metric during the first quarter of last year. We are very pleased that our first quarter results are higher than those achieved for the same period of time in 2025 considering that... as we have previously mentioned... our Company is focused on the future and has undertaken several transformative projects that have created additional expense for UBCP and are somewhat dilutive to earnings at present. In addition, even though there has been a tremendous level of uncertainty permeating our economy in recent years... that level has increased in the most recent quarter with a new realm of uncertainty created by geopolitical concerns that escalated over the course of the first quarter of this year. Regardless, we are satisfied with our increasing earnings and content with how our investment in our infrastructure and growth is developing in accordance with our visions and projections. We firmly believe that over the course of the next twelve to twenty-four months, we will see a very nice return on these investments in our Company's infrastructure, which should lead to higher levels of earnings and help ensure the relevancy of UBCP for many years to come." Greenwood further remarked, "Many thought that the economic uncertainty with which our country has been dealing for the past several years was finally going to be in the rear-view mirror in 2026. Even though inflation had stagnated at a level a little bit higher than the Federal Open Market Committee (FOMC) of the Federal Reserve Bank liked, it was getting closer to their established target of two percent. In addition, they were mostly satisfied with current employment-related data within our economy. As we entered 2026, forecasts called for solid economic growth as the impact of the tariffs imp...

MARTINS FERRY, OH / ACCESS Newswire / April 23, 2026 / On April 22, 2026, the Board of Directors of United Bancorp, Inc. (UBCP) declared a second quarter dividend payment of $0.1950 per share for shareholders of record on June 10, 2026 with a payment date of June 19, 2026. This is an increase of $0.01, or 5.4%, over the regular cash dividend paid in the second quarter of last year. In the first two quarters of the current year, UBCP has paid total cash dividends of $0.5625 (inclusive of a special cash dividend of $0.1750 paid in the first quarter). At the second quarter payment level, the regular cash dividend produces a forward yield of 5.13% based on UBCP's market value of $15.21 at the most recent quarter-end. Scott A. Everson, Chairman, President and CEO announced at the annual meeting held that date, the Shareholders of UBCP elected Directors for the following year including himself; Erin S. Ball, Vice President, Carenbauer Distributing Corporation, Wheeling, West Virginia; Jonathan C. Clark, Attorney at Law, Lancaster, Ohio; Gary W. Glessner, CPA and Managing Member of Glessner and Associates, PLLC, Wheeling, West Virginia and John M. Hoopingarner, Of Counsel, McMahon, DeGulis LLP, Columbus, Cleveland and Cincinnati, Ohio. United Bancorp, Inc. is headquartered in Martins Ferry, Ohio and has total assets of $857.4 million and total shareholder's equity of $70.5 million as of December 31, 2025. Through its single bank charter, Unified Bank, the Company has nineteen banking offices that serve the Ohio Counties of Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas and Ohio and Marshall Counties in West Virginia. United Bancorp, Inc. trades on the NASDAQ Capital Market tier of the NASDAQ Stock Market under the symbol UBCP, Cusip #909911109. SOURCE: United Bancorp, Inc. (Ohio) View the original press release on ACCESS Newswire

MARTINS FERRY, OH / ACCESS Newswire / February 19, 2026 / On February 18, 2026, the Board of Directors of United Bancorp, Inc. (UBCP) declared a first quarter cash dividend of $0.1925, which is payable on March 20, 2026 to shareholders of record on March 10, 2026. This is an increase of $0.01, or 5.5%, over the cash dividend paid in the first quarter of last year. At this new level and on a forward basis, the regular cash dividend is $0.77, which produces a forward yield of 5.4% based on the market value at the most recent quarter-end. In addition to this regular cash dividend payment, the Board of Directors of United Bancorp, Inc. also approved a one-time, special dividend of $0.1750 per common share, which is payable on March 20, 2026 to shareholders of record on March 10, 2026. The Board of Directors approved this special cash dividend based on the Company's continued solid earnings, ample liquidity and strong capital position as of year-end 2025. At the current quarterly cash dividend payment level on a forward basis and inclusive of this special dividend payment, United Bancorp, Inc. is projected to pay cash dividends of $0.9450 in the current year. United Bancorp, Inc. is headquartered in Martins Ferry, Ohio and has total assets of $857.4 million and total shareholder's equity of $70.5 million as of December 31, 2025. Through its single bank charter, Unified Bank, the Company currently has nineteen banking centers that serve the Ohio Counties of Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas and Marshall and Ohio Counties in West Virginia. United Bancorp, Inc. trades on the NASDAQ Capital Market tier of the NASDAQ Stock Market under the symbol UBCP, Cusip #909911109. SOURCE: United Bancorp, Inc. (Ohio) View the original press release on ACCESS Newswire

Shares of United Bancorp, Inc. UBCP have gained 2.6% since the company reported its earnings for the quarter ended Dec. 31, 2025. This compares to the S&P 500 index’s 1.1% decline over the same time frame. Over the past month, the stock has declined 0.9% compared with the S&P 500’s 0.9% decrease, indicating relative stability in performance amid broader market volatility. United Bancorp reported earnings per share (EPS) of 35 cents, which rose 12.9% from 31 cents in the same quarter of 2024. Total interest income for the quarter grew 5.2% year over year to $10.6 million, driven primarily by an 8.3% increase in interest income on loans. Net interest income rose 8.6% to $6.9 million, and despite a 49.4% increase in credit loss provisions, net income held strong. Net income of $2 million reflected a 10% year-over-year increase. Notably, the bank also reported a $0.7 million gain from the sale of available-for-sale securities during the quarter. United Bancorp, Inc. price-consensus-eps-surprise-chart | United Bancorp, Inc. Quote Full-year net income reached $7.8 million, up 4.7%, while EPS rose to $1.34, a 5.5% increase compared to $1.27 in 2024. For the full year, net interest income was up 6.7% to $26.5 million. UBCP experienced notable balance sheet growth in 2025. Total assets increased by $40.8 million (5%) to $857.4 million as of Dec. 31, 2025. Average loans rose 3.5% year over year to $497.9 million, while average deposits increased 2.5% to $635.3 million. Interest-bearing time deposits saw an 8.4% rise, contributing to a total deposit growth of 4.5%. The company’s net interest margin improved by 19 basis points to 3.70% from 3.51% the prior year, aided by both organic loan growth and strategic balance sheet management. This included a swap in municipal securities that increased taxable equivalent yield by 139 basis points, generating an additional $0.4 million in annualized interest income. Credit quality remained resilient. Nonaccrual loans, while rising to $2.3 million (0.46% of gross loans), were still considered manageable. Total net charge-offs were $0.4 million for the year, or 0.06% of average loans. The allowance for credit losses rose 5.8% to $4.3 million, now covering 0.87% of total loans. CFO Randall Greenwood highlighted that the year’s performance came amid significant investment initiatives that increased noninterest expenses by 19.5% in th...

MARTINS FERRY, OH / ACCESS Newswire / February 3, 2026 / United Bancorp, Inc. (NASDAQ:UBCP) reported diluted earnings per share of $0.35 and net income of $2,035,000 for the three months ended December 31, 2025. For the year ended December 31, 2025, UBCP reported diluted earnings per share of $1.34 and net income of $7,753,000. Randall M. Greenwood, Senior Vice President, CFO and Treasurer remarked, "We are very pleased to report on the increased earnings for the fourth quarter ended December 31, 2025 and, also, the increased earnings and, overall, solid performance achieved by United Bancorp, Inc. (UBCP) for the year 2025. For the quarter, our Company produced net income and diluted earnings per share of $2,035,000 and $0.35, which are respective increases of $185,000, or 10.0%, and $0.04, or 12.9%, over the results achieved for each metric in the fourth quarter of the previous year. In addition, and on a linked-quarter basis, our Company's net income and diluted earnings per share results also respectively increased by $104,000, or 5.4%, and $0.01 or 2.9%. For the twelve months ended December 31, 2025, UBCP produced net income of $7,753,000, an increase of $350,000, or 4.7%, and diluted earnings per share of $1.34, which is an increase of $0.07, or 5.5%, over the levels achieved the previous year. Considering, over the course of the past year, we have undertaken several transformative projects that have added to our noninterest expense levels, such as: the constructing and staffing of our new Wheeling Banking Center, further developing and scaling out of both our Unified Mortgage and our Treasury Management Programs, investing in new technology and digital transformation platforms and acquiring and developing a property in St. Clairsville, Ohio that will become our Unified Center--- which will house our Accounting, Information Technology and Customer Sales and Service Functions--- we are very happy with the present performance of our Company. With our unwavering focus on growing our Company through investing in its infrastructure, product development and delivery, we strongly believe that these current undertakings... which are dilutive to current financial performance... will provide a pathway to future growth and lead to increasingly higher performance for our Company over the course of the next twelve to twenty-four months, and help us to maintain our o...

MARTINS FERRY, OH / ACCESS Newswire / November 20, 2025 / On November 19, 2025, the Board of Directors of United Bancorp, Inc. (UBCP) declared a fourth quarter dividend payment of $0.19 per share for shareholders of record on December 10, 2025 with a payment date of December 19, 2025. This payment is greater than the regular cash dividends paid in the first three quarters of the current year, which were $0.1825, $0.1850 and $0.1875 respectively. With this fourth quarter dividend payment and year-to-date, UBCP has paid total cash dividends of $0.92 (inclusive of a special cash dividend of $0.1750 paid in the first quarter), which is an increase of $0.0650, or 7.6%, over the amount paid during the same period the previous year. At the fourth quarter payment level, the regular cash dividend produces a forward yield of 5.4% based on UBCP's market value of $13.98 at the most recent quarter-end. United Bancorp, Inc. is headquartered in Martins Ferry, Ohio and has total assets of $866.8 million and total shareholder's equity of $66.5 million as of September 30, 2025. Through its single bank charter, Unified Bank, the Company has eighteen banking offices that serve the Ohio Counties of Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas and Marshall County in West Virginia. United Bancorp, Inc. trades on the NASDAQ Capital Market tier of the NASDAQ Stock Market under the symbol UBCP, Cusip #909911109. SOURCE: United Bancorp, Inc. (Ohio) View the original press release on ACCESS Newswire

Shares of United Bancorp, Inc. UBCP have gained 4.3% since the company reported its earnings for the quarter ended Sept. 30, 2025. This compares favorably with the S&P 500 index’s 0.5% growth over the same period. However, over the past month, UBCP has underperformed, declining 2.9% against the S&P 500’s 3.2% gain. United Bancorp posted a third-quarter 2025 earnings per share of 34 cents, which rose 9.7% year over year. Net interest income rose 9.6% to $6.7 million, driven by a 7% increase in total interest income, which totaled $10.6 million. Total noninterest income increased 10.9% to $1.4 million, while noninterest expenses climbed 8.2% to $6 million. These results produced an 8.9% increase in pre-tax earnings. Net income of $1.9 million reflected a 6.1% increase from the same quarter in 2024. United Bancorp, Inc. price-consensus-eps-surprise-chart | United Bancorp, Inc. Quote Net interest margin rose 16 basis points to 3.66%, supported by a 5% increase in total assets to $866.8 million. Gross loans advanced 4.5% year over year to $496.5 million and cash held at the Federal Reserve climbed 20.6% to $45.6 million. The company also deployed $21 million in excess reserves into municipal securities, achieving a taxable equivalent yield of 6.1%, positioning itself to benefit further if interest rates decline. On the funding side, total deposits increased 4.8% to $645.2 million. Notably, noninterest-bearing demand deposits rose 8.5% to $156.3 million. However, the mix shifted slightly toward higher-cost time deposits, leading to a 2.7% year-over-year increase in interest expense for the quarter. Despite this, interest expense as a percentage of average assets only rose three basis points to 1.80%, a level management believes will improve over time due to anticipated declines in funding costs. CFO Randall M. Greenwood acknowledged the macroeconomic uncertainty driven by new trade policies and a government shutdown in October. Still, he emphasized that United Bancorp has delivered a stable financial performance despite the broader volatility. Greenwood highlighted the positive trends in net interest income and margin expansion, attributing much of the improvement to prudent asset deployment and the favorable repricing of existing loans. CEO Scott A. Everson reinforced the company’s focus on expanding its balance sheet to exceed $1 billion in assets. He noted that...

MARTINS FERRY, OH / ACCESS Newswire / November 6, 2025 / United Bancorp, Inc. (NASDAQ:UBCP) reported diluted earnings per share of $0.34 and net income of $1,931,000 for the three months ended September 30, 2025. For the first nine months of the current year, UBCP reported diluted earnings per share of $0.99 and net income of $5,717,000. Randall M. Greenwood, Senior Vice President, CFO and Treasurer remarked, "We are happy to report on the increased earnings for the third quarter ended September 30, 2025 and, also, the increased earnings and overall solid performance achieved by United Bancorp, Inc. (UBCP) for the first nine months of 2025. For the quarter, our Company produced net income and diluted earnings per share of $1,931,000 and $0.34, which are respective increases of $111,000, or 6.1%, and $0.03, or 9.7%, over the results achieved for each metric in the third quarter of the previous year. In addition, and on a linked-quarter basis, our Company's net income and diluted earnings per share results also respectively increased by $17,000, or 0.9%, and $0.01 or 3.0%. For the first nine months of 2025, UBCP produced net income of $5,717,000, an increase of $165,000, or 3.0%, and diluted earnings per share of $0.99, which is an increase of $0.04, or 4.2%, which were both respective increases over the levels achieved the previous year. Considering, over the course of the past twelve months, we have undertaken several transformative projects that have added to our noninterest expense levels, such as: the construction of our new Wheeling Banking Center, the development and scaling out of both Unified Mortgage and our Treasury Management Programs, the investment in new technology and digital transformation and the acquisition of a property in St. Clairsville, Ohio that will become our Unified Center--- which will house our Accounting, Information Technology and Customer Sales and Service Functions--- we are very happy with the present performance of our Company. With our unwavering focus on growing our Company through investing in its infrastructure, product development and delivery, we strongly believe that these current undertakings… which are dilutive to current financial performance… will provide a pathway to future growth and lead to increasingly higher performance over the course of the next twelve to twenty-four months, and help us to maintain our overa...

MARTINS FERRY, OH / ACCESS Newswire / August 21, 2025 / On August 20, 2025, the Board of Directors of United Bancorp, Inc. (UBCP)(NASDAQ:UBCP) declared a third quarter dividend payment of $0.1875 per share for shareholders of record on September 10, 2025 with a payment date of September 19, 2025. This is an increase of $0.01, or 5.6%, over the regular cash dividend paid in the third quarter of the previous year. In addition, this payment is greater than the regular cash dividends paid in the first and second quarters of the current year, which were $0.1825 and $0.1850 respectively. With this third quarter dividend payment and year-to-date, UBCP has paid total cash dividends of $0.73 (inclusive of a special cash dividend of $0.1750 paid in the first quarter), which is an increase of $0.0550, or 8.2%, over the amount paid during the same period last year. At the third quarter payment level, the regular cash dividend produces a forward yield of 5.2% based on UBCP's market value of $14.50 at the most recent quarter-end. United Bancorp, Inc. is headquartered in Martins Ferry, Ohio and has total assets of $847.9 million and total shareholder's equity of $59.7 million as of June 30, 2025. Through its single bank charter, Unified Bank, the Company has eighteen banking offices that serve the Ohio Counties of Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson and Tuscarawas and Marshall County in West Virginia. United Bancorp, Inc. trades on the NASDAQ Capital Market tier of the NASDAQ Stock Market under the symbol UBCP, Cusip #909911109. SOURCE: United Bancorp, Inc. View the original press release on ACCESS Newswire

Shares of United Bancorp, Inc. UBCP have inched up 0.1% since the company reported its earnings for the quarter ended June 30, 2025. This compares to the S&P 500 index’s 0.9% decline over the same time frame. Over the past month, the stock has declined 5.2% compared with the S&P 500’s 1.4% growth, reflecting a recent pullback despite steady long-term gains. United Bancorp reported earnings per share (EPS) of 33 cents for the second quarter of 2025, up from 30 cents a year earlier. Total interest income advanced 5.4% year over year to $10.4 million, bolstered by a 9.3% increase in interest income on loans and a 30.3% surge in loan fees. Interest income from securities, however, fell 5.6%. Total interest expense edged up 3.8% to $3.8 million, yielding net interest income of $6.6 million, up 6.4% from the year-ago quarter. Net income of $1.9 million denoted a 10% increase from $1.7 million in the same quarter of 2024. United Bancorp, Inc. price-consensus-eps-surprise-chart | United Bancorp, Inc. Quote Noninterest income for the quarter reached $1.4 million, up 17.3% from a year earlier. This growth was led by a 65.6% increase in other noninterest income and a 19.3% rise in gains on loan sales. While gains on securities sales were absent this quarter compared to a gain of $0.08 million last year, the overall income trajectory remained positive. On the cost side, noninterest expenses rose 3.1% to $5.8 million, driven by ongoing investment initiatives. Despite the rise, earnings before income taxes improved to $1.9 million, a 20.1% jump from the prior-year quarter. Credit metrics remained broadly stable. Provision for credit losses dropped 12.2% to $0.2 million for the quarter. Net charge-offs held steady at 0.07% of average loans. Total nonaccrual loans increased to $1.8 million from $0.4 million a year earlier, largely due to a single commercial account. Nevertheless, loans past due by more than 30 days declined 43.3%, and total past-due and nonaccrual loans remained a modest 0.45% of gross loans. Nonperforming assets as a percentage of total assets stood at 0.60%, up from 0.46% last year but down sequentially. Chief Financial Officer Randall Greenwood described the company’s earnings growth as encouraging, given ongoing macroeconomic pressures. He cited several transformative projects undertaken over the past year, including branch expansion, technology investm...

Revenue: US$7.78m (up 8.8% from 2Q 2024). Net income: US$1.91m (up 15% from 2Q 2024). Profit margin: 25% (up from 23% in 2Q 2024). The increase in margin was driven by higher revenue. EPS: US$0.35 (up from US$0.29 in 2Q 2024). Trump has pledged to "unleash" American oil and gas and these 15 US stocks have developments that are poised to benefit. All figures shown in the chart above are for the trailing 12 month (TTM) period Looking ahead, revenue is forecast to stay flat during the next 3 years compared to a 7.6% growth forecast for the Banks industry in the US. Performance of the American Banks industry. The company's shares are down 2.5% from a week ago. Before we wrap up, we've discovered 2 warning signs for United Bancorp that you should be aware of. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.