United Bancorp (UBCP) EBT Margin (2010 - 2026)
United Bancorp (UBCP) posted quarterly EBT Margin of 22.21% for Q4 2025, down 144.0% year-over-year from 50.47% in Q4 2024, and up 64.04% quarter-over-quarter from 13.54% in Q3 2025.
United Bancorp (UBCP) EBT Margin (2010 - 2026) Analysis & Trends
United Bancorp (UBCP) has reported EBT Margin for 16 consecutive years, with 22.21% the latest figure, recorded in Q4 2025.
- In Q4 2025, EBT Margin fell 144.0% year-over-year to 22.21%; the TTM figure through Dec 2025 stood at 59.04% (down 6423.0% YoY), while the FY2025 annual figure was 23.77%, down 117.0% from the prior year.
- EBT Margin improved to 22.21% in Q4 2025 per UBCP's latest filing, from 13.54% in the prior quarter.
- Across five years, EBT Margin topped out at 464.63% in Q3 2021 and bottomed at 647.43% in Q1 2024.
- Historically, EBT Margin has averaged 13.18% across 5 years, with a median of 26.35% in 2022.
- Annual changes were most pronounced in 2022 — EBT Margin slumped 43066 bps — and 2025, when it soared 60266 bps.
- United Bancorp's EBT Margin stood at 42.03% in 2021, then dropped by 21 bps to 33.38% in 2022, then gained by 3 bps to 34.42% in 2023, then slumped by 31 bps to 23.65% in 2024, then slipped by 6 bps to 22.21% in 2025.
- Business Quant data shows UBCP's EBT Margin at 22.21% in Q4 2025, 13.54% in Q3 2025, and 32.84% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.76 Bn | 84.56 Bn | - | - |
| 2 | Pnc Financial Services | 97.67 Bn | 97.67 Bn | - | 37.61% |
| 3 | Us Bancorp | 96.04 Bn | 96.04 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.86 Bn | -144.23 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.07 Bn | -81.25 Bn | - | 36.74% |
| 7 | Nu Holdings | 70.84 Bn | 57.15 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.64 Bn | 61.64 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.75 Bn | 26.03 Bn | - | 31.64% |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | 23.91% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 33.94% |
| Dec 31, 2025 | 22.21% |
| Sep 30, 2025 | 13.54% |
| Jun 30, 2025 | -32.84% |
| Mar 31, 2025 | -44.77% |
| Dec 31, 2024 | 23.65% |
| Sep 30, 2024 | 112.42% |
| Jun 30, 2024 | -56.56% |
| Mar 31, 2024 | -647.43% |
| Dec 31, 2023 | 34.42% |
| Sep 30, 2023 | -24.25% |
| Jun 30, 2023 | -135.32% |
| Mar 31, 2023 | -275.24% |
| Dec 31, 2022 | 33.38% |
| Sep 30, 2022 | 33.97% |
| Jun 30, 2022 | 37.26% |
| Mar 31, 2022 | 29.04% |
| Dec 31, 2021 | 42.03% |
| Sep 30, 2021 | 464.63% |
| Jun 30, 2021 | 296.54% |