United Bancorp (UBCP) Net Margin (2010 - 2025)
United Bancorp (UBCP) reported Net Margin of 22.9% for Q4 2025, down 162.0% year-over-year from 36.94% in Q4 2024, and little changed on a QoQ basis from 22.81% in Q3 2025.
United Bancorp (UBCP) has 16 years of Net Margin data on file, last reported at 22.9% in Q4 2025.
- Quarterly Net Margin fell 162.0% year-over-year to 22.9% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 23.01% (down 141.0% YoY) and the FY2025 annual result came in at 23.87%, up 166.0% from the prior year.
- Net Margin steadied at 22.9% in Q4 2025 per UBCP's latest filing, from 22.81% in the prior quarter.
- Across five years, Net Margin topped out at 402.5% in Q3 2021 and bottomed at 22.46% in Q2 2024.
- The 5-year median for Net Margin is 28.48% (2022), against an average of 72.73%.
- The widest annual swing landed in 2021, when Net Margin soared 8327 bps; it then slumped 37279 bps in 2022.
- Tracing UBCP's Net Margin over 5 years: stood at 35.15% in 2021, then fell by 14 bps to 30.32% in 2022, then gained by 5 bps to 31.74% in 2023, then fell by 23 bps to 24.53% in 2024, then dropped by 7 bps to 22.9% in 2025.
- Per Business Quant, the three latest UBCP Net Margin figures stand at 22.9% (Q4 2025), 22.81% (Q3 2025), and 22.87% (Q2 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 251.45% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 26.97% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | -0.97% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 27.35% |
| 10 | United Bancorp | 80.02 Mn | -200.71 Mn | - | 22.90% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 22.90% |
| Sep 30, 2025 | 22.81% |
| Jun 30, 2025 | 22.87% |
| Mar 31, 2025 | 23.50% |
| Dec 31, 2024 | 24.53% |
| Sep 30, 2024 | 23.57% |
| Jun 30, 2024 | 22.46% |
| Mar 31, 2024 | 27.26% |
| Dec 31, 2023 | 31.74% |
| Sep 30, 2023 | 30.55% |
| Jun 30, 2023 | 30.17% |
| Mar 31, 2023 | 24.26% |
| Dec 31, 2022 | 30.32% |
| Sep 30, 2022 | 29.71% |
| Jun 30, 2022 | 32.12% |
| Mar 31, 2022 | 25.73% |
| Dec 31, 2021 | 35.15% |
| Sep 30, 2021 | 402.50% |
| Jun 30, 2021 | 270.09% |
| Mar 31, 2021 | 322.30% |
| Dec 31, 2020 | 35.83% |
| Sep 30, 2020 | 319.22% |
| Jun 30, 2020 | 249.63% |
| Mar 31, 2020 | 239.61% |
| Dec 31, 2019 | 27.55% |
| Sep 30, 2019 | 243.64% |
| Jun 30, 2019 | 237.18% |
| Mar 31, 2019 | 226.37% |
| Dec 31, 2018 | 9.84% |
| Sep 30, 2018 | 199.55% |
| Jun 30, 2018 | 186.46% |
| Mar 31, 2018 | 23.04% |
| Dec 31, 2017 | 15.57% |
| Sep 30, 2017 | 157.98% |
| Jun 30, 2017 | 144.94% |
| Mar 31, 2017 | 18.57% |
| Dec 31, 2016 | 19.33% |
| Sep 30, 2016 | 19.37% |
| Jun 30, 2016 | 19.50% |
| Mar 31, 2016 | 19.07% |
| Dec 31, 2015 | 19.40% |
| Sep 30, 2015 | 18.98% |
| Jun 30, 2015 | 18.32% |
| Mar 31, 2015 | 16.45% |
| Dec 31, 2014 | 16.84% |
| Sep 30, 2014 | 16.03% |
| Jun 30, 2014 | 16.01% |
| Mar 31, 2014 | 11.26% |
| Dec 31, 2013 | 13.38% |
| Sep 30, 2013 | 20.46% |
| Jun 30, 2013 | 11.06% |
| Mar 31, 2013 | 11.00% |
| Dec 31, 2012 | 10.08% |
| Sep 30, 2012 | 10.44% |
| Jun 30, 2012 | 16.95% |
| Mar 31, 2012 | 17.30% |
| Sep 30, 2011 | 16.82% |
| Jun 30, 2011 | 15.39% |
| Mar 31, 2011 | 15.23% |
| Sep 30, 2010 | 15.05% |
| Jun 30, 2010 | 15.05% |