United Bancorp Inc key statistics and ratios
In fiscal 2019, United Bancorp Inc had return on equity of 12.3% and a net margin of 27.5%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.
Financial ratios
| Fiscal year | 2010Dec 2010 | 2011Dec 2011 | 2012Dec 2012 | 2013Dec 2013 | 2014Dec 2014 | 2015Dec 2015 | 2016Dec 2016 | 2017Dec 2017 | 2018Dec 2018 | 2019Dec 2019 | LTMDec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net margin | 13.8% | 16.3% | 13.7% | 14.3% | 15.1% | 18.3% | 19.3% | 18.3% | 19.6% | 27.5% | 23.9% |
| Return on equity | 7.2% | 8.6% | 6.6% | 6.9% | 6.7% | 7.9% | 8.5% | 8.2% | 9.1% | 12.3% | 11.9% |
| Return on assets | 0.6% | 0.7% | 0.6% | 0.6% | 0.7% | 0.8% | 0.8% | 0.8% | 0.8% | 1.1% | 1.0% |
| Effective tax rate | 7.9% | 21.6% | 18.5% | 12.0% | 25.8% | 29.3% | 30.6% | 36.6% | 15.7% | 8.1% | −1.1% |
| Dividends ÷ net income | 116.2% | 96.7% | 94.0% | 59.6% | 66.9% | 70.1% | 70.9% | 78.1% | 75.2% | 47.4% | 70.7% |
Moat
Strong moat
How hard United Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
- Returns on capital 11 / 20
Net income has been a median 0.9% of total assets over 10 years.
- Durability 18 / 20
Net margin has been a median 26.0%; its worst year was 18.3%.
- Discipline 17 / 20
The diluted share count rose 0.1% over five years; stock-based pay has been a median 1.1% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (76 before it).
Compare with peers
More: Regional Banks stocks compared, Financials sector, rankings of US companies