10-Q · May 14, 2026
United Bancorp, Inc. reported solid growth in Q1 2026 with revenue of $7.94 million and diluted earnings per share of $0.33, surpassing prior year metrics by 2.1% and 3.1% respectively. The bank experienced a notable…
Earnings analysis · 10-Q
UBCP earnings analysis
Filed August 12, 2026 · Our reading of the company's report
The latest report
The provided extract is limited to Part II and does not include the income statement, balance sheet, cash-flow statement, segment information, or MD&A required to assess quarterly operating trends. It reports effective…
Read full summary
The provided extract is limited to Part II and does not include the income statement, balance sheet, cash-flow statement, segment information, or MD&A required to assess quarterly operating trends. It reports effective disclosure controls as of June 30, 2026 and no material internal-control changes during the quarter. No updated risk factors are provided because smaller reporting companies are not required to include Item 1A risk factors.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
What stood out
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Controls remained effective
Management concluded that disclosure controls and procedures were effective as of June 30, 2026, and reported no changes in internal controls during the quarter that materially affected, or were reasonably likely to materially affect, those controls.
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Deferred compensation share purchases
The deferred compensation plan purchased 14,154 shares in May 2026 at an average price of $14.93 per share; the purchases were funded with earned director fees or officer incentive awards and incurred no underwriting fees, discounts, or commissions.
Management's outlook
The provided 10-Q extract contains no MD&A, financial statements, or quantitative outlook. No numeric revenue or EPS guidance is disclosed in the available filing text.
Earlier filings 4
10-K · March 18, 2026
United Bancorp’s 2025 10-K shows steady top-line growth (quarterly revenue totaled $48.0M in 2025 vs $43.0M in 2024) with modest margin and EPS improvement but continued negative free cash flow. Management reiterates…
10-Q · November 12, 2025
United Bancorp reported modest operating improvement in Q3 2025 with net income of $1,931,000 and diluted EPS of $0.34 (up $111,000 or 6.1% and $0.03 or 9.7% YoY, respectively). Net interest income and margin expanded…
10-Q · November 13, 2024
United Bancorp reported a steady quarter with revenue of $11,000,000 and diluted EPS of $0.31. Gross margin compressed modestly to 65.9% while operating margin improved to 15.7%; free cash flow remained negative at…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.