---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-313109"
form_type: "8-K"
ticker: "UBCP"
cik: "0000731653"
company_name: "UNITED BANCORP INC /OH/"
filed_at: "2021-10-29T23:59:59+00:00"
generated_at: "2026-06-28T16:23:31.864246+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Bancorp Q3 EPS $0.50 (+39% YoY); record 9-month net income $6.995M

## Summary
- Q3 2021 diluted EPS $0.50, up 39% YoY; net income $2.902M, up 41%.
- 9-month 2021 diluted EPS $1.21, up 30%; net income $6.995M, a record.
- Net interest margin 3.57%, down 1 bp YoY; credit reserve release of $400K in Q3.
- Total assets $730.4M; annualized ROA 1.31%, ROE 13.31% for 9 months.
- Year-over-year dividend increased 25% (including $0.10 special); stock price up 13.85% to $14.30.

## SEC filing metadata
- accession: 0001193125-21-313109
- form_type: 8-K
- ticker: UBCP
- cik: 0000731653
- company_name: UNITED BANCORP INC /OH/
- filed_at: 2021-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731653/000119312521313109/0001193125-21-313109-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731653/000119312521313109/d197072d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-313109
- JSON: https://secwatch.observer/filing/0001193125-21-313109.json
- Plain text: https://secwatch.observer/filing/0001193125-21-313109.txt

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