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United Bancorp UBCP Net Interest Income

Net Interest Income at other companies

C&F Financial logo
C&F FinancialCFFI
$27.71M+10.8%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$35.52M+6.8%
Community West Bancshares logo
Community West BancsharesCWBC
$36M+11.9%
Republic Bancorp logo
Republic BancorpRBCAA
$90.45M-11.9%
Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$125.12M-8.2%
First Community Corporation logo
First Community CorporationFCCO
$18.37M+27.7%

Segments

By segment

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Banking$6.51M+4.2%

Other financials

Income statement

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Revenue$721.0K—
Net income$1.9M+2.1%
EPS (diluted)$0.33+3.1%

Balance sheet

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Cash & equivalents$27.2M-25.2%
Total debt$3.0M+2.2%
Total equity$67.5M+11.0%
Total assets$858.5M+3.3%

Cash flow

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Operating cash flow$266.0K-75.0%
CapEx$2.0M+23.3%
Free cash flow-$1.8M-199%

Valuation

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Market cap$91.8M+21.2%
Enterprise value$67.52M+126%
P/E11.8×+1.6×
P/S33.2×—

Profitability

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Net margin33.1%—
FCF margin31.5%—

Returns & leverage

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Return on equity12.1%+0.4pp
Debt / equity0×0.0×

Where this comes from

Reported directly by United Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: United Bancorp’s 10-Q, filed May 14, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bancorp's net interest income?
United Bancorp (UBCP) reported net interest income of $6.51M in Q1 2026.
How has United Bancorp's net interest income changed year-over-year?
United Bancorp's net interest income increased by 4.2% year-over-year, from $6.25M to $6.51M.
What is the long-term trend for United Bancorp's net interest income?
Over 4 years (2021 to 2025), United Bancorp's net interest income has grown at a 4.6% compound annual growth rate (CAGR), from $22.11M to $26.46M.
What does net interest income mean?
The difference between the interest income generated from loans and investment securities and the interest expense paid on deposits and other borrowings. It represents the core profitability of the bank's lending and deposit-taking activities.