United Bancorp's Q4 net income rises

United Bancorp

03/02/2026 16:09

Overview

Ohio bank's Q4 net income rose 10%, with EPS up 12.9% yr/yr

Net interest income increased by 8.6% in Q4, boosting net interest margin

Company increased total cash dividends by 7.6% in 2025

Outlook

United Bancorp aims to grow assets to $1 bln in the near term

Company expects net interest income growth as FOMC loosens monetary policy

Result Drivers

ASSET GROWTH - Growth in total assets, driven by increased loans and investments, boosted net interest income and margin

INTEREST MARGIN EXPANSION - Strategic swap strategies in municipal securities improved interest income and margin

CREDIT QUALITY - Maintained strong credit quality with low nonaccrual loans and net charge-offs

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.35
Q4 Net Interest Margin
3.70%


Analyst Coverage

The one available analyst rating on the shares is "buy"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for United Bancorp Inc is $20.00, about 42.9% above its February 2 closing price of $14.00

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nACSGmtnMa

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)