United Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from United Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 94% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 91% of Financial Services companies in United States.
- Growth Efficiency Ratio: Sales grew 14% in 3 years, but profit fell: $23 less profit per $100 of extra sales. Lower than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
−$23Sales grew 14% in 3 years, but profit fell: $23 less profit per $100 of extra sales.
Lower than 86% of Financial Services companies in United States.
Asset Productivity Ratio
+14% / +13%In 3 years sales changed by +14% while total assets changed by +13%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 94% of Financial Services companies in United States.
Tangible Net Worth Ratio
99%Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 91% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
United Bancorp, Inc. owes $0.92 for every $1 it owns. Net profit rose 5% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.9Investors pay $9.9 for every $1 of United Bancorp, Inc.'s yearly profit, lower than 80% of Financial Services companies in United States.
P/B ratio
1.08The share price is 1.08 times United Bancorp, Inc.'s book value per share, lower than 66% of Financial Services companies in United States.
Market cap
$78 MThe total market value of all of United Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 93% of Financial Services companies in United States. PosiCap size class: Micro Cap.
Net worth (book value)
$72 MWhat United Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$12.57Net worth divided by the number of shares. The share price of $13.60 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
12.1%United Bancorp, Inc. earned 12.1% on its shareholders' money over the last year, higher than 61% of Financial Services companies in United States.
Owes vs Owns
0.92×United Bancorp, Inc. owes $0.92 for every $1 it owns (high), higher than 90% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
5.75%United Bancorp, Inc. pays 5.75% of its share price as dividends a year, higher than 78% of dividend-paying Financial Services companies in United States.
Revenue growth
+11%Revenue rose 11% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+5%Net profit rose 5% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Profit margin
23.9%United Bancorp, Inc. keeps $24 of every $100 of revenue as net profit.
Questions
What is United Bancorp, Inc.'s P/E ratio?
Investors pay $9.9 for every $1 of United Bancorp, Inc.'s yearly profit, lower than 80% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For United Bancorp, Inc.: $78 M ÷ $72 M (30 Jun 2026) = 1.1.
What is United Bancorp, Inc.'s return on equity?
United Bancorp, Inc. earned 12.1% on its shareholders' money over the last year, higher than 61% of Financial Services companies in United States.
How much does United Bancorp, Inc. owe compared with what it owns?
United Bancorp, Inc. owes $0.92 for every $1 it owns (high), higher than 90% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does United Bancorp, Inc. pay a dividend?
Yes. United Bancorp, Inc. pays 5.75% of its share price as dividends a year, higher than 78% of dividend-paying Financial Services companies in United States.
Is United Bancorp, Inc.'s revenue growing?
Revenue rose 11% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.