secwatch.observer — SEC 8-K summary
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Issuer:     UNITED BANCORP INC /OH/ (UBCP)
CIK:        0000731653
Form:       8-K
Filed at:   2025-05-12T23:59:59+00:00
Accession:  0001104659-25-047116
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731653/000110465925047116/0001104659-25-047116-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731653/000110465925047116/tm2514694d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-047116

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer