United Bancorp (UBCP) Net Margin (2010 - 2025)
United Bancorp's (UBCP) quarterly Net Margin came in at 22.9% in Q4 2025, down 162.0% year-on-year from 36.94% in Q4 2024, and up 75.53% on a QoQ basis from 13.05% in Q3 2025.
United Bancorp (UBCP) Net Margin (2010 - 2025) Analysis & Trends
United Bancorp (UBCP) has 16 years of Net Margin data on file, last reported at 22.9% in Q4 2025.
- On a quarterly basis, Net Margin fell 162.0% year-over-year to 22.9% in Q4 2025; TTM through Dec 2025 was 57.55%, a 6317.0% decrease from a year earlier, with the FY2025 full-year figure at 18.92%, down 101.0% from the prior year.
- Net Margin for Q4 2025 stood at 22.9%, up from 13.05% in the prior quarter.
- Over the last five years, Net Margin for UBCP reached as high as 402.5% in Q3 2021 and fell as low as 574.92% in Q1 2024.
- Historically, Net Margin has averaged 12.49% across 5 years, with a median of 25.13% in 2024.
- Across the five-year window, Net Margin slumped 37279 bps in 2022 and surged 53202 bps in 2025, its largest moves.
- Year by year, Net Margin stood at 35.15% in 2021, then declined by 14 bps to 30.32% in 2022, then rose by 5 bps to 31.74% in 2023, then declined by 23 bps to 24.53% in 2024, then slipped by 7 bps to 22.9% in 2025.
- Per Business Quant data, the three most recent Net Margin figures were 22.9% in Q4 2025, 13.05% in Q3 2025, and 30.97% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 43,124.21 Bn | 43,125.44 Bn | -775,612.08 | 401,783.65% |
| 2 | Shinhan Financial | 33,971.34 Bn | 33,973.00 Bn | - | 8,284,010.29% |
| 3 | Bank Of Chile | 4,105.33 Bn | 4,105.33 Bn | 167,623.00 | 0.00% |
| 4 | NatWest | 768.74 Bn | 572.78 Bn | 1.79 Bn | 32.86% |
| 5 | Mizuho Financial | 385.64 Bn | 389.59 Bn | - | 0.38% |
| 6 | Lloyds Banking | 358.14 Bn | 358.14 Bn | - | 27.26% |
| 7 | First Capital | 200.03 Bn | 199.69 Bn | - | 251.63% |
| 8 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 28.90% |
| 9 | Pnc Financial Services | 100.96 Bn | 101.01 Bn | - | 27.35% |
| 10 | United Bancorp | 86.39 Mn | -194.34 Mn | - | 22.90% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 22.90% |
| Sep 30, 2025 | 13.05% |
| Jun 30, 2025 | -30.97% |
| Mar 31, 2025 | -42.91% |
| Dec 31, 2024 | 24.53% |
| Sep 30, 2024 | 110.95% |
| Jun 30, 2024 | -58.17% |
| Mar 31, 2024 | -574.92% |
| Dec 31, 2023 | 31.74% |
| Sep 30, 2023 | -22.77% |
| Jun 30, 2023 | -123.27% |
| Mar 31, 2023 | -248.28% |
| 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% |