United Bancorp annual return on equity
2011
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2025
United Bancorp Return on Equity (ROE) Growth & History (UBCP)
United Bancorp's return on equity was 11.57% for fiscal 2025.
View full United Bancorp company overviewUnited Bancorp annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 11.57% | −0.08 pp |
| 2024 | 2024-12-31 | 11.65% | −2.86 pp |
| 2023 | 2023-12-31 | 14.51% | +1.34 pp |
| 2022 | 2022-12-31 | 13.17% | −0.33 pp |
| 2021 | 2021-12-31 | 13.50% | +1.10 pp |
| 2020 | 2020-12-31 | 12.40% | +0.08 pp |
| 2019 | 2019-12-31 | 12.32% | +3.26 pp |
| 2018 | 2018-12-31 | 9.06% | +0.86 pp |
| 2017 | 2017-12-31 | 8.20% | −0.31 pp |
| 2016 | 2016-12-31 | 8.51% | +0.64 pp |
| 2015 | 2015-12-31 | 7.87% | +1.19 pp |
| 2014 | 2014-12-31 | 6.69% | −0.23 pp |
| 2013 | 2013-12-31 | 6.92% | +0.33 pp |
| 2012 | 2012-12-31 | 6.59% | −2.03 pp |
| 2011 | 2011-12-31 | 8.61% | — |
United Bancorp quarterly return on equity
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| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 3.00% | −0.18 pp |
| Q1 2026 | 2026-03-31 | 2.77% | −0.24 pp |
| Q4 2025 | 2025-12-31 | 2.97% | +0.10 pp |
| Q3 2025 | 2025-09-30 | 3.06% | +0.17 pp |
| Q2 2025 | 2025-06-30 | 3.18% | +0.37 pp |
| Q1 2025 | 2025-03-31 | 3.01% | −0.13 pp |
| Q4 2024 | 2024-12-31 | 2.87% | −1.25 pp |
| Q3 2024 | 2024-09-30 | 2.89% | −1.42 pp |
| Q2 2024 | 2024-06-30 | 2.81% | −1.07 pp |
| Q1 2024 | 2024-03-31 | 3.14% | −0.04 pp |
| Q4 2023 | 2023-12-31 | 4.11% | +0.03 pp |
| Q3 2023 | 2023-09-30 | 4.31% | +0.18 pp |
| Q2 2023 | 2023-06-30 | 3.88% | +0.12 pp |
| Q1 2023 | 2023-03-31 | 3.18% | +0.60 pp |
| Q4 2022 | 2022-12-31 | 4.09% | +0.62 pp |
| Q3 2022 | 2022-09-30 | 4.13% | −0.03 pp |
| Q2 2022 | 2022-06-30 | 3.76% | +0.55 pp |
| Q1 2022 | 2022-03-31 | 2.58% | −0.24 pp |
| Q4 2021 | 2021-12-31 | 3.47% | −0.45 pp |
| Q3 2021 | 2021-09-30 | 4.16% | +1.06 pp |
| Q2 2021 | 2021-06-30 | 3.21% | +0.61 pp |
| Q1 2021 | 2021-03-31 | 2.83% | +0.26 pp |
| Q4 2020 | 2020-12-31 | 3.91% | +0.96 pp |
| Q3 2020 | 2020-09-30 | 3.10% | +0.06 pp |
| Q2 2020 | 2020-06-30 | 2.60% | −0.37 pp |
| Q1 2020 | 2020-03-31 | 2.57% | −0.52 pp |
| Q4 2019 | 2019-12-31 | 2.95% | +1.71 pp |
| Q3 2019 | 2019-09-30 | 3.04% | +0.09 pp |
| Q2 2019 | 2019-06-30 | 2.97% | +0.26 pp |
| Q1 2019 | 2019-03-31 | 3.09% | +0.49 pp |
| Q4 2018 | 2018-12-31 | 1.23% | −0.54 pp |
| Q3 2018 | 2018-09-30 | 2.95% | +0.68 pp |
| Q2 2018 | 2018-06-30 | 2.72% | +0.60 pp |
| Q1 2018 | 2018-03-31 | 2.60% | +0.62 pp |
| Q4 2017 | 2017-12-31 | 1.77% | −0.34 pp |
| Q3 2017 | 2017-09-30 | 2.28% | +0.10 pp |
| Q2 2017 | 2017-06-30 | 2.11% | −0.04 pp |
| Q1 2017 | 2017-03-31 | 1.98% | −0.04 pp |
| Q4 2016 | 2016-12-31 | 2.11% | +0.02 pp |
| Q3 2016 | 2016-09-30 | 2.18% | +0.10 pp |
| Q2 2016 | 2016-06-30 | 2.15% | +0.18 pp |
| Q1 2016 | 2016-03-31 | 2.03% | +0.31 pp |
| Q4 2015 | 2015-12-31 | 2.09% | +0.27 pp |
| Q3 2015 | 2015-09-30 | 2.08% | +0.28 pp |
| Q2 2015 | 2015-06-30 | 1.97% | +0.15 pp |
| Q1 2015 | 2015-03-31 | 1.71% | +0.47 pp |
| Q4 2014 | 2014-12-31 | 1.82% | +0.24 pp |
| Q3 2014 | 2014-09-30 | 1.80% | −1.14 pp |
| Q2 2014 | 2014-06-30 | 1.81% | +0.53 pp |
| Q1 2014 | 2014-03-31 | 1.24% | −0.02 pp |
| Q4 2013 | 2013-12-31 | 1.58% | +0.33 pp |
| Q3 2013 | 2013-09-30 | 2.93% | +1.70 pp |
| Q2 2013 | 2013-06-30 | 1.28% | −0.73 pp |
| Q1 2013 | 2013-03-31 | 1.27% | −0.84 pp |
| Q4 2012 | 2012-12-31 | 1.24% | — |
| Q3 2012 | 2012-09-30 | 1.24% | −0.96 pp |
| Q2 2012 | 2012-06-30 | 2.01% | −0.08 pp |
| Q1 2012 | 2012-03-31 | 2.10% | — |
| Q3 2011 | 2011-09-30 | 2.19% | — |
| Q2 2011 | 2011-06-30 | 2.09% | — |
United Bancorp return on equity trends
Over the last five fiscal years, United Bancorp's return on equity decreased from 12.40% to 11.57%, a change of −0.83 percentage points. The latest reported quarter, Q2 2026, shows 3.00%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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