UBCP Q3 2024 EPS $0.31, net income down 24% YoY; margin compresses to 3.50%

UNITED BANCORP INC /OH/

2024-Q3 EPS reported $0.95

Q3 diluted EPS $0.31, net income $1.82M; YoY net income down $573K, EPS down $0.11; linked-quarter net income up 4.6%.
Net interest margin fell to 3.50% from 3.63% YoY; net interest income down 4.6% to $18.5M; interest expense surged 40.7%.
Credit stable: nonaccrual loans 0.21% of gross loans; NPA/assets 0.46%; allowance for credit losses 0.84% of loans.
Tangible book value per share up 23.6% YoY to $10.84; total shareholders' equity $65.5M; forward dividend yield 6.4%.

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