United Bancorp, Inc. (UBCP)

Nasdaq: UBCP · State Commercial Banks · Martins Ferry, OH · filing with the SEC since 1995

Grade4.3

◀ Past 3.7● Present 4.7▶ Future 4.7

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 18, 2026	Mar 14, 2025	Mar 20, 2024	Mar 17, 2023	Mar 18, 2022	Mar 19, 2021	Mar 20, 2020	Mar 20, 2019	Mar 20, 2018	Mar 20, 2017
For lenders
Interest and dividend income	41,489	39,521	36,849	27,661	24,708	27,628	27,034	21,320	17,651	16,635
Interest and investment income	6	4	13^r	·	·	·	·	·	·	·
Interest expense on deposits and borrowings	15,029	14,721	11,014	·	·	·	·	·	·	·
Net interest income	26,460	24,800	25,835	24,388	22,112	22,894	20,911	18,142	15,887	14,851
Provision for credit losses	·	429	·	955	-1,255	3,337	908	297	100	301
Net interest income after provision	25,786	24,501	26,289	25,343	23,367	19,557	20,003	17,845	15,787	14,550
Noninterest income	·	·	·	·	·	·	3,888	3,660	3,452	3,681
Noninterest expense	24,138	21,666	20,852	19,890	18,392	17,890	16,482	16,423	13,649	13,071
Interest expense	·	·	11,014	3,273	2,596	4,734	6,123	3,178	1,764	1,784
Income before income taxes	7,667	7,295	9,491	9,536	10,681	8,582	7,409	5,082	5,590	5,160
Income tax expense	-86	-107	541	879	1,230	629	599	800	2,044	1,580
Net income including non-controlling interests	7,753	7,402	·	·	·	·	·	·	·	·
Net income	7,753	7,402	8,950	8,657	9,451	7,953	6,810	4,282	3,546	3,580
Net income to common shareholders	7,385	7,062	8,593	8,269	8,882	7,559	6,554	4,068	3,431^r	3,549
Earnings per share, basic	1.34	1.27	1.57	1.50	1.62	1.39	1.19	0.82	0.71^r	0.72
Earnings per share, diluted	1.34	1.27	1.57	1.50	1.62	1.39	1.19	0.82	0.71	0.71
Earnings per share, basic and diluted	·	·	·	·	·	·	1.19	0.82	·	·
Weighted average shares, basic	5,492,092	5,539,653	5,490,488	5,483,305	5,477,266	5,458,365	·	4,952,471	4,981,942^r	4,907,799
Weighted average shares, diluted	5,492,092	5,539,653	5,490,488	5,483,305	5,477,266	5,458,365	·	·	4,985,799	5,016,320
Weighted average shares, basic and diluted	·	·	·	·	·	·	5,525,965	4,952,471	·	·

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest and investment income what its cash and investments earnedus-gaap:InterestIncomeOther

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted

SI Assistanton UBCP · research, not advice