United Bancorp (UBCP) Net Margin (2010 - 2025)

United Bancorp (UBCP) has 16 years of Net Margin data on file, last reported at 22.9% in Q4 2025.

• Net Margin for Q4 2025 came in at 22.9%, down 162.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 23.01% (down 141.0% YoY), and the FY2025 annual result was 23.87%, up 166.0% from the prior year.
• Net Margin was little changed at 22.9% in Q4 2025 per UBCP's latest filing, from 22.81% in the prior quarter.
• Over five years, Net Margin peaked at 402.5% in Q3 2021 and troughed at 22.46% in Q2 2024.
• A 5-year average of 72.73% and a median of 28.48% in 2022 frame the typical range for Net Margin.
• The sharpest annual moves came in 2021 and 2022: Net Margin surged 8327 bps in 2021, then plunged 37279 bps in 2022.
• A 5-year view of Net Margin shows it stood at 35.15% in 2021, then decreased by 14 bps to 30.32% in 2022, then climbed by 5 bps to 31.74% in 2023, then decreased by 23 bps to 24.53% in 2024, then fell by 7 bps to 22.9% in 2025.
• Business Quant data shows UBCP's Net Margin at 22.9% in Q4 2025, 22.81% in Q3 2025, and 22.87% in Q2 2025.