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UNITED BANCORP INC /OH/

UBCP

$15.83 ▼ -0.05 (-0.31%) at close

16 Visible periods

32 Metrics

Peer-ranked Benchmarks

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Health

Good

Neutral

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Analytical Summary

UNITED BANCORP INC /OH/ shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $86.9M

Dividend Yield 5.81%

Revenue Growth None

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 11.8x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$21.80M

↑ +12.7% —

Net Income Profit after all expenses

$7.75M

↑ +4.7% —

Health Breakdown

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.92 Latest / share

+7.6% YoY

+11.1% 12-yr CAGR

$0.29

FY 2014

$0.33

FY 2015

$0.42

FY 2016

$0.47

FY 2017

$0.51

FY 2018

$0.57

FY 2019

$0.57

FY 2020

$0.69

FY 2021

$0.78

FY 2022

$0.81

FY 2023

$0.85

FY 2024

$0.92

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	—	—	—	—	—	—	12.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+112%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	5.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	-0.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-101%)	-3.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-155%)	3.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	-7.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-229%)	2.8% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	—	—
EPS Growth YoY (%)	5.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-19.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-7.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	69.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	15.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-1.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	20.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	8.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-22.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	21.2% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	4.7% Caution ↑ Caution Improving Year-over-year change in net income	-17.3% Weak ↓ Weak Declining Year-over-year change in net income	3.4% Caution ↓ Caution Declining Year-over-year change in net income	-8.4% Weak ↓ Weak Declining Year-over-year change in net income	18.8% Good ↓ Good Declining Year-over-year change in net income	85.7% Excellent ↑ Excellent Improving Year-over-year change in net income	20.8% Good ↑ Good Improving Year-over-year change in net income	-0.9% Weak ↓ Weak Declining Year-over-year change in net income	11.0% Fair → Fair Stable Year-over-year change in net income	21.6% Good ↑ Good Improving Year-over-year change in net income	1.5% Caution ↓ Caution Declining Year-over-year change in net income	8.9% Fair ↑ Fair Improving Year-over-year change in net income	-22.4% Weak Weak Year-over-year change in net income	21.4% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	—	—	—	—	—	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.5% Weak Weak Compound annual revenue growth over 3 years	-0.5% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	—	—	—	—	—	—	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.5% Weak Weak Compound annual revenue growth over 5 years	-1.0% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-3.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	22.3% Excellent → Excellent Stable Compound annual EPS growth over 3 years	31.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	10.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-5.0% Weak Weak Compound annual EPS growth over 3 years	0.6% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Effective Tax Rate (%) (%)	-1.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.2% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	—	—	—	—	—	—	19.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	18.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	19.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	15.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	14.3% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	13.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	16.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	13.8% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	11.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	14.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	13.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	6.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	8.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.25x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.29x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.28x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.33x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	—	—	—	—	—	—	$4.40	$3.88	$3.78	$3.62	$3.63	$3.79	$3.67	$4.00	—	—
Basic EPS, GAAP (USD)	$1.34	$1.27	$1.57	$1.50	$1.62	$1.39	$0.82	$0.71	$0.72	$0.65	$0.54	$0.53	$0.49	$0.63	$0.52	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.92	$0.85	$0.81	$0.78	$0.69	$0.57	$0.57	$0.51	$0.47	$0.42	$0.33	$0.29	$0.42	$0.56	$0.56	—
Book Value per Share (USD)	$12.25	$10.95	$11.15	$10.41	$12.38	$10.35	$8.82	$8.37	$8.19	$8.07	$8.33	$8.08	$7.66	$7.61	—	—
Tangible Book Value per Share (USD)	$12.13	$10.84	$11.03	$10.29	$12.26	$10.23	$8.71	$8.37	$8.19	$8.07	$8.32	$8.04	$7.60	$7.52	—	—
Basic Weighted Avg Shares (shares)	5.49M	5.54M	5.49M	5.48M	5.48M	5.46M	4.95M	4.98M	4.91M	4.86M	4.85M	4.81M	4.78M	4.75M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$70.52M	$63.46M	$63.59M	$59.74M	$71.70M	$59.92M	$50.64M	$43.90M	$42.64M	$41.50M	$40.39M	$38.87M	$36.63M	$36.18M	$35.58M	$35.21M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	—	—	—	—	—	—	$21.80M	$19.34M	$18.53M	$17.60M	$17.61M	$18.20M	$17.54M	$19.02M	$18.50M	—
Net Income, GAAP (USD)	$7.75M	$7.40M	$8.95M	$8.66M	$9.45M	$7.95M	$4.28M	$3.55M	$3.58M	$3.22M	$2.65M	$2.61M	$2.40M	$3.09M	$2.55M	—
Operating Cash Flow (USD)	$10.46M	$8.45M	$9.46M	$8.48M	$8.19M	$9.37M	$5.75M	$4.57M	$4.18M	—	—	$7.17M	$5.60M	$6.24M	$6.63M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2018 10-K ↗	FY 2018 Dec 31, 2017 10-K ↗	FY 2017 Dec 31, 2016 10-K ↗	FY 2016 Dec 31, 2015 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	3.0%	3.2%	3.2%	3.1%	3.3%	3.1%	3.5%	3.4%	3.4%	3.5%	3.6%	3.3%	3.7%	3.6%	—
Efficiency Ratio (%) (%)	—	—	—	—	—	—	75.3%	70.6%	70.5%	71.0%	74.7%	76.9%	76.8%	68.9%	75.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 16 years · 63 quarters

UNITED BANCORP INC /OH/

Analytical Summary

16-Year Financial Trajectory

Health Breakdown

Dividend History

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