United Bancorp (UBCP) Net Margin (2010 - 2026)
United Bancorp (UBCP) posted quarterly Net Margin of 22.9% for Q4 2025, down 162.0% year-over-year from 36.94% in Q4 2024, and up 75.53% quarter-over-quarter from 13.05% in Q3 2025.
United Bancorp (UBCP) Net Margin (2010 - 2026) Analysis & Trends
United Bancorp (UBCP) has reported Net Margin for 16 consecutive years, with 22.9% the latest figure, recorded in Q4 2025.
- In Q4 2025, Net Margin fell 162.0% year-over-year to 22.9%; the TTM figure through Dec 2025 stood at 57.55% (down 6317.0% YoY), while the FY2025 annual figure was 18.92%, down 101.0% from the prior year.
- Net Margin improved to 22.9% in Q4 2025 per UBCP's latest filing, from 13.05% in the prior quarter.
- Across five years, Net Margin topped out at 402.5% in Q3 2021 and bottomed at 574.92% in Q1 2024.
- Historically, Net Margin has averaged 12.49% across 5 years, with a median of 25.13% in 2024.
- Annual changes were most pronounced in 2022 — Net Margin plunged 37279 bps — and 2025, when it jumped 53202 bps.
- United Bancorp's Net Margin stood at 35.15% in 2021, then slipped by 14 bps to 30.32% in 2022, then grew by 5 bps to 31.74% in 2023, then slipped by 23 bps to 24.53% in 2024, then retreated by 7 bps to 22.9% in 2025.
- Business Quant data shows UBCP's Net Margin at 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 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 25.60% |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 23.30% |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | 24.30% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 34.50% |
| 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% |