United Bancorp Inc /Oh/ (UBCP) — SEC Filings
United Bancorp Inc /Oh/ (UBCP) — 29 SEC filings. Latest: 8-K (Nov 20, 2025). Includes 18 8-K, 6 10-Q, 2 10-K.
View United Bancorp Inc /Oh/ on SEC EDGAR
Overview
United Bancorp Inc /Oh/ (UBCP) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 20, 2025: United Bancorp, Inc. (OH) filed an 8-K on November 20, 2025, reporting events as of November 19, 2025. The filing indicates the company is a commercial bank incorporated in Ohio with its principal executive offices in Martins Ferry. No specific financial transactions or material events are detailed
Sentiment Summary
Across 29 filings, the sentiment breakdown is: 1 bullish, 27 neutral, 1 mixed. The dominant filing sentiment for United Bancorp Inc /Oh/ is neutral.
Filing Type Overview
United Bancorp Inc /Oh/ (UBCP) has filed 18 8-K, 6 10-Q, 2 10-K, 2 DEF 14A, 1 SC 13G/A with the SEC between Feb 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (29)
Risk Profile
Risk Assessment: Of UBCP's 27 recent filings, 0 were flagged as high-risk, 4 as medium-risk, and 23 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $19.571M |
| Net Income | $5.717M |
| EPS | $0.99 |
| Debt-to-Equity | 12.04 |
| Cash Position | $45.652M |
| Operating Margin | N/A |
| Total Assets | $866.756M |
| Total Debt | $144.407M |
Key Executives
- Scott A. Everson
Industry Context
United Bancorp operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is facing evolving customer expectations for digital services, increasing competition from larger banks and fintech companies, and a dynamic interest rate environment. Deposit growth remains a key focus for community banks to fund lending activities.
Top Tags
financial-reporting (8) · 8-K (5) · financials (5) · results-of-operations (4) · 8-k (3) · banking (3) · Regional Banking (2) · 10-Q (2) · corporate-governance (2) · 10-K (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Total Assets | $866.756M | Increased by 6.14% from $816.656 million at December 31, 2024 |
| Net Income | $5.717M | Increased by 2.95% for the nine months ended September 30, 2025, from $5.553 million in 2024 |
| Net Interest Income | $19.571M | Increased by 6.04% for the nine months ended September 30, 2025, from $18.456 million in 2024 |
| Total Deposits | $645.193M | Increased by 5.17% from $613.494 million at December 31, 2024 |
| Basic Earnings Per Share | $0.99 | Increased from $0.95 for the nine months ended September 30, 2024 |
| Provision for Credit Loss Expense - Loans | $488K | Increased by 60.5% for the nine months ended September 30, 2025, from $304 thousand in 2024 |
| Interest-bearing demand deposits | $37.619M | Increased by 228.9% from $11.437 million at December 31, 2024 |
| Available-for-sale securities | $253.726M | Increased by 5.44% from $240.631 million at December 31, 2024 |
| Shares of Common Stock Outstanding | 5,774,011 | As of November 7, 2025 |
| Dividends Per Share | $0.730 | Increased from $0.6750 for the nine months ended September 30, 2024 |
| Net Income (Q2 2025) | $1.914M | Increased 10.1% from $1.739M in Q2 2024 |
| Total Assets (June 30, 2025) | $847.884M | Increased 3.8% from $816.656M at Dec 31, 2024 |
| Total Stockholders' Equity (June 30, 2025) | $59.658M | Decreased 5.7% from $63.457M at Dec 31, 2024 |
| Accumulated Other Comprehensive Loss (June 30, 2025) | $14.496M | Increased 43.5% from $10.100M at Dec 31, 2024 |
| Loans, net (June 30, 2025) | $496.591M | Increased from $486.945M at Dec 31, 2024 |
Forward-Looking Statements
- {"claim":"Employee alignment with company performance will remain strong due to significant ESOP ownership.","entity":"United Bancorp, Inc.","targetDate":"2025-12-31","confidence":"high"}
- {"claim":"The ESOP's voting power will continue to influence corporate governance decisions.","entity":"United Bancorp, Inc.","targetDate":"2024-12-31","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for United Bancorp Inc /Oh/ (UBCP)?
United Bancorp Inc /Oh/ has 29 recent SEC filings from Feb 2024 to Nov 2025, including 18 8-K, 6 10-Q, 2 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of UBCP filings?
Across 29 filings, the sentiment breakdown is: 1 bullish, 27 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find United Bancorp Inc /Oh/ SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all United Bancorp Inc /Oh/ (UBCP) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for United Bancorp Inc /Oh/?
Key financial highlights from United Bancorp Inc /Oh/'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for UBCP?
The investment thesis for UBCP includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at United Bancorp Inc /Oh/?
Key executives identified across United Bancorp Inc /Oh/'s filings include Scott A. Everson.
What are the main risk factors for United Bancorp Inc /Oh/ stock?
Of UBCP's 27 assessed filings, 0 were flagged high-risk, 4 medium-risk, and 23 low-risk.
What are recent predictions and forward guidance from United Bancorp Inc /Oh/?
Recent forward-looking statements from United Bancorp Inc /Oh/ include guidance on {"claim":"Employee alignment with company performance will remain strong due to significant ESOP ownership.","entity":"U and 1 other predictions.