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United Bancorp UBCP Occupancy And Equipment Expense

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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+18.2%
Enterprise value$67.52M+119%
P/E11.8×+1.4×
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×

Where this comes from

Reported directly by United Bancorp in its filing.

Tagged under the XBRL concept ubcp:OccupancyAndEquipmentExpense.

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 occupancy and equipment expense?
United Bancorp (UBCP) reported occupancy and equipment expense of $811K in Q1 2026.
How has United Bancorp's occupancy and equipment expense changed year-over-year?
United Bancorp's occupancy and equipment expense increased by 28.7% year-over-year, from $630K to $811K.
What is the long-term trend for United Bancorp's occupancy and equipment expense?
Over 4 years (2021 to 2025), United Bancorp's occupancy and equipment expense has grown at a 1.9% compound annual growth rate (CAGR), from $2.36M to $2.55M.
What does occupancy and equipment expense mean?
This represents the costs associated with maintaining physical branch locations, office facilities, and the necessary equipment to support banking operations. It reflects the bank's fixed cost structure and investment in its physical footprint. High levels relative to revenue may indicate an inefficient branch network or high overhead costs.