United Bancorp reports record FY2021 EPS $1.62, up 17% YoY; Q4 EPS $0.41

UNITED BANCORP INC /OH/

2020-FY EPS reported $1.62 vs consensus $0.38 ▲ beat (+329.3%)

Net income $9.45M (+19% YoY); diluted EPS $1.62 (+17%). Q4 net income $2.46M, EPS $0.41 vs $0.46 prior year.
Total assets $724.5M; equity/asset ratio 9.90%; shareholders' equity $71.7M (+4.9% YoY).
Loans grew 2.5% to $454.4M; deposits rose $25.6M (4.4%) with lower-cost retail up 10.0%.
Net interest income fell 3.4% YoY; net interest expense reduced 45.2%; credit reserve released $400K in Q4.
Cash dividends increased 20.2% including special $0.10 dividend; stock price up 26.3% to $16.65.

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