📈 Net Income History (16 Quarters)
🧮 UBCP Net Income Breakdown
Understanding Net Income
Net income, also called the "bottom line" or net profit, is the money a company keeps after paying all expenses including cost of goods, operating costs, interest, and taxes. For UBCP, the trailing twelve month net income is $8.0M.
Why Net Income Matters
Net income is the ultimate measure of accounting profitability. It determines earnings per share (EPS), affects stock valuations through the P/E ratio, and represents the theoretical amount available to shareholders. However, net income can be influenced by accounting choices, which is why value investors often look at cash flow metrics alongside it.
UBCP's net income growth rate of -4.31% (based on log-linear regression of 16 quarters) indicates relatively flat or slightly declining profitability.
Net Income vs Cash Flow Metrics
Free Cash Flow: $-2.5M →
Actual cash generated after capital expenditures. FCF often differs from net income due to depreciation, working capital changes, and capex timing.
Owner Earnings: $8.3M →
Buffett's preferred metric that adds back depreciation but subtracts maintenance capex. Often considered more accurate than net income.
EPS (Diluted): $1.38 →
Net income divided by diluted shares outstanding. The primary driver of the P/E ratio used in valuations.
Revenue: $41.8M →
The top line that net income is derived from. Net margin shows what percentage of revenue becomes profit.
P/E Ratio Analysis
UBCP's P/E ratio of 11.4x means investors pay $11.36 for every $1 of annual earnings. A P/E between 10-15 is typical for mature, slow-growth companies with stable earnings.
Net Margin: Profitability Efficiency
Net margin of 19.08% shows what percentage of UBCP's revenue converts to profit after all costs. Net margins between 10-20% are solid and typical of well-managed businesses.
Summary: UBCP Net Income Trend
UNITED BANCORP INC /OH/ (UBCP) has a net margin of 19.08%, which Zyberno classifies as good for a Financials company — above the 12% threshold Zyberno applies to financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at -4.31% annually — a negative trend — revenue erosion that warrants monitoring. For complete financial analysis, view the full UBCP stock report on Zyberno.
Frequently Asked Questions
What is UBCP's current net income?
UNITED BANCORP INC /OH/'s TTM net income is $8.0M, growing at -4.31% annually — a negative trend — revenue erosion that warrants monitoring.
Is UBCP's net income growing?
UNITED BANCORP INC /OH/ (UBCP) has a net margin of 19.08%, which Zyberno classifies as good for a Financials company — above the 12% threshold Zyberno applies to financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at -4.31% annually — a negative trend — revenue erosion that warrants monitoring.
What is UBCP's net profit margin?
UNITED BANCORP INC /OH/ (UBCP) has a net margin of 19.08%, which Zyberno classifies as good for a Financials company — above the 12% threshold Zyberno applies to financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at -4.31% annually — a negative trend — revenue erosion that warrants monitoring.
What is UBCP's P/E ratio?
UBCP's P/E ratio is 11.4x, meaning the market values the company at 11.4 times its annual earnings.
How does net income differ from free cash flow?
Net income is an accounting measure that includes non-cash items like depreciation, while free cash flow shows actual cash generated. UBCP's net income is $8.0M versus free cash flow of $-2.5M. Large differences often indicate significant capital expenditures or working capital changes.
📊 Full UBCP Stock Report →
See UBCP's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 UBCP Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 UBCP Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 UBCP Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 UBCP Earnings Surprise (SUE) →
See whether UBCP is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 UBCP Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 UBCP Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 UBCP Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 UBCP Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.