All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2024-04-19.
From the record
United Bancorp, Inc.'s filings since 2017 show 2 warning events of 2 kinds: a warning not to rely on past financial statements (8-K item 4.02, the latest 2024-04-19); an auditor change (8-K item 4.01, the latest 2022-09-30) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.7% a year over 10 filed years; profitable in 10 of 10.
From the record
United Bancorp, Inc.'s 10 filed years say what it did: revenue went from $17 million in fiscal 2016 to $41 million in fiscal 2025, up 10.7% a year; it rose in 8 of 9 years; the deepest fall was 11% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.1% a year. 60% of cash flow returned. Insiders: 0 sales, 8 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, United Bancorp, Inc.'s diluted share count grew about 0.1% a year, and dividends and buybacks returned about 60% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 8 purchases of their own stock on the open market in the year to 2026-09-30, buying about $170 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, United Bancorp, Inc. earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 0.9% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 24% of 155 in its family; net margin 18.7%.
From the record
United Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $41 million in fiscal 2025 ranks in the bottom 3% by size; a net margin of 18.7% ranks in the bottom 38%; revenue growth of 14.5% a year over the last 3 filed years ranks in the bottom 30% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 28% of 150 in its family for leadership; chief executive since 2019.
From the record
United Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Everson, Scott A (Chairman Pres and CEO, as filed), filing under that title since 2019-11-01, 7 years (bottom 43% of its family); the 8 officers and directors filing in the last fifteen months have been on the record a median of 12.7 years (top 10%); 1 officer or director change was reported on Form 8-K since 2023-11-13, against the 8 people in charge now (top 17%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 37% of 142 in its family for room to expand.
From the record
United Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $47 million against no long-term debt tagged leaves 5.4% of its assets as net cash, top 30% of its family; cash from operations less capital spending is -3.2% of revenue (bottom 4%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 33% of 152 in its family for growth drivers.
From the record
United Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 14.5% a year over the last three filed years against 10.7% over all 10, speeding up (bottom 49% of its family); the newest year grew 5% (top 48%); capital spending grew 184.5% a year (top 1%) (its annual reports). United Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 36% of 150 in its family for expectations against reality.
From the record
United Bancorp, Inc.'s newest year against its own record: revenue of $41 million in fiscal 2025 came in 12.2% below the $47 million its prior three years' pace pointed to (top 38% of its family); net income of $8 million against a prior three-year average of $8 million (bottom 19%); a net margin of 18.7% against 24.8% before (bottom 27%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made