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United Bancorp UBCP Banking — Interest Income Expense Net

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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 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 banking — interest income expense net?
United Bancorp (UBCP) reported banking — interest income expense net of $6.51M in Q1 2026.
How has United Bancorp's banking — interest income expense net changed year-over-year?
United Bancorp's banking — interest income expense net increased by 4.2% year-over-year, from $6.25M to $6.51M.
What is the long-term trend for United Bancorp's banking — interest income expense net?
Over 2 years (2023 to 2025), United Bancorp's banking — interest income expense net has grown at a 1.2% compound annual growth rate (CAGR), from $25.84M to $26.46M.
What does banking — interest income expense net mean?
The difference between interest income earned on assets and interest expense paid on liabilities, commonly referred to as net interest income. It serves as a fundamental measure of the profitability of the bank's core intermediation business.