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United Bancorp UBCP Other Real Estate Owned Expense

Other Real Estate Owned Expense at other companies

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-$186K-110%
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$475K+2,059%
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$104K+52.9%
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$8K-27.3%
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$12.22K+492%
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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+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×

Where this comes from

Reported directly by United Bancorp in its filing.

Tagged under the XBRL concept ubcp:OtherRealEstateOwnedExpense.

The official record: United Bancorp’s 10-K, filed March 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bancorp's other real estate owned expense?
United Bancorp (UBCP) reported other real estate owned expense of $835.5K in Q4 2025.
How has United Bancorp's other real estate owned expense changed year-over-year?
United Bancorp's other real estate owned expense decreased by 3.5% year-over-year, from $865.5K to $835.5K.
What does other real estate owned expense mean?
This captures the ongoing costs associated with maintaining, managing, and disposing of foreclosed real estate properties, such as maintenance, taxes, and insurance. It is a direct cost of managing non-performing assets and reflects the operational burden of the bank's loan recovery process. High expenses in this category can significantly impact the bank's non-interest expense and overall profitability.