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United Bancorp UBCP Other Real Estate Owned Valuation Allowance

Other Real Estate Owned Valuation Allowance at other companies

Business First Bancshares logo
Business First BancsharesBFST
-$69K—
Equity Bancshares logo
Equity BancsharesEQBK
$12K—
Trustco Bank Corp logo
Trustco Bank CorpTRST
$30K-55.2%
Equity Bancshares logo
Equity BancsharesEQBK
$12K—
Old Second Bancorp logo
Old Second BancorpOSBC
$0-100%
Bankwell Financial Group logo
Bankwell Financial GroupBWFG
$0+100%

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 / equity0×0.0×

Where this comes from

Reported directly by United Bancorp in its filing.

Tagged under the XBRL concept ubcp:OtherRealEstateOwnedValuationAllowance.

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 valuation allowance?
United Bancorp (UBCP) reported other real estate owned valuation allowance of $192.75K in Q4 2025.
How has United Bancorp's other real estate owned valuation allowance changed year-over-year?
United Bancorp's other real estate owned valuation allowance increased by 8466.7% year-over-year, from $2.25K to $192.75K.
What does other real estate owned valuation allowance mean?
This metric reflects adjustments to the carrying value of foreclosed real estate assets held by the bank, representing potential losses in the value of these properties. It serves as a key indicator of asset quality and the bank's exposure to distressed real estate markets. Higher allowances suggest deteriorating conditions in the bank's loan collateral portfolio.