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United Bancorp UBCP Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Pathfinder Bancorp logo
Pathfinder BancorpPBHC
$10.51M-4.1%
Enterprise Financial Services logo
Enterprise Financial ServicesEFSC
$158.9M+11.6%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$19.97M+9.2%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$66.67M-4.7%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$98.24M+9.4%
Trico Bancshares logo
Trico BancsharesTCBK
$87.9M+11.5%

Segments

By segment

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Banking$6.48M+5.4%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions)?
United Bancorp (UBCP) reported net interest income (after provisions) of $6.48M in Q1 2026.
How has United Bancorp's net interest income (after provisions) changed year-over-year?
United Bancorp's net interest income (after provisions) increased by 5.4% year-over-year, from $6.15M to $6.48M.
What is the long-term trend for United Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), United Bancorp's net interest income (after provisions) has grown at a 2.5% compound annual growth rate (CAGR), from $23.37M to $25.79M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for credit losses, representing the net revenue available after accounting for expected loan defaults. This metric provides a more accurate view of the bank's bottom-line performance relative to its credit risk exposure.