---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-047116"
form_type: "8-K"
ticker: "UBCP"
cik: "0000731653"
company_name: "UNITED BANCORP INC /OH/"
filed_at: "2025-05-12T23:59:59+00:00"
generated_at: "2026-05-22T00:55:15.949343+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# United Bancorp Q1 EPS $0.32; core EPS flat; dividend up 10.9%

## Summary
- Diluted EPS $0.32 vs $0.35 YoY; net income $1.872M, down 6.1%.
- Core diluted EPS (ex-nonrecurring) $0.30 on both periods; net interest margin improved to 3.60% from 3.46%.
- Loans grew $16.6M (3.5%) to $496M; nonaccrual loans up $1.5M to $2.8M, provision $96K.
- Total dividend $0.3575 per share (regular $0.1825 + special $0.1750), up 10.9% YoY; yield 6.7%.
- Assets $831M; equity $60.8M; price-to-book 132%; no explicit FY guidance.

## SEC filing metadata
- accession: 0001104659-25-047116
- form_type: 8-K
- ticker: UBCP
- cik: 0000731653
- company_name: UNITED BANCORP INC /OH/
- filed_at: 2025-05-12T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731653/000110465925047116/0001104659-25-047116-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731653/000110465925047116/tm2514694d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-047116
- JSON: https://secwatch.observer/filing/0001104659-25-047116.json
- Plain text: https://secwatch.observer/filing/0001104659-25-047116.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.