Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 11.06% is 18% below its 5-year average of 13.52%, near the low end of its 5-year range (11.00%–16.86%).
As of the fiscal period ended Tuesday, June 30, 2026. 3.80% below its 12-month average of 11.50%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 11.06%.
RETURN ON EQUITY (ROE)
11.06%
RETURN ON EQUITY (ROE) AVG TTM
11.50%
RETURN ON EQUITY (ROE) AVG 3Y
12.89%
RETURN ON EQUITY (ROE) AVG 5Y
13.52%
RETURN ON EQUITY (ROE) AVG 10Y
11.52%
RETURN ON EQUITY (ROE) AVG 15Y
10.09%
RETURN ON EQUITY (ROE) AVG 20Y
9.65%
CURRENT VS TTM AVG
-3.80%
CURRENT VS 3Y AVG
-14.21%
CURRENT VS 5Y AVG
-18.17%
CURRENT VS 10Y AVG
-4.00%
CURRENT VS 15Y AVG
+9.65%
CURRENT VS 20Y AVG
+14.58%
SECTOR MEDIAN · FINANCIAL SERVICES
8.76%
median of 677 covered companies
CURRENT VS SECTOR MEDIAN
+26.25%
vs the sector median at left
United Bancorp, Inc.
Market Cap
$81.86M
Return on Equity (ROE)
11.06%
TTM Avg
11.50%
3Y Avg
12.89%
5Y Avg
13.52%
Market Cap
$81.71M
Return on Equity (ROE)
8.17%
TTM Avg
8.98%
3Y Avg
7.64%
5Y Avg
8.35%
Market Cap
$82.01M
Return on Equity (ROE)
-41.63%
TTM Avg
-31.40%
3Y Avg
-16.34%
5Y Avg
-12.64%
Market Cap
$83.08M
Return on Equity (ROE)
-1287.00%
TTM Avg
-262.00%
3Y Avg
-376.72%
5Y Avg
-270.17%
Market Cap
$80.35M
Return on Equity (ROE)
1.97%
TTM Avg
10.77%
3Y Avg
13.70%
5Y Avg
14.53%
Market Cap
$83.66M
Return on Equity (ROE)
4.99%
TTM Avg
4.44%
3Y Avg
4.48%
5Y Avg
5.23%
Market Cap
$84.34M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$79.03M
Return on Equity (ROE)
1.46%
TTM Avg
5.56%
3Y Avg
5.56%
5Y Avg
5.56%
Market Cap
$78.99M
Return on Equity (ROE)
86.08%
TTM Avg
18.60%
3Y Avg
18.60%
5Y Avg
18.60%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| United Bancorp, Inc. (UBCP) | $81.86M | 11.06% | 11.50% | 12.89% | 13.52% |
| Hennessy Advisors, Inc. (HNNA)vs › | $81.71M | 8.17% | 8.98% | 7.64% | 8.35% |
| SVRN, Inc. (SVRN)vs › | $82.01M | -41.63% | -31.40% | -16.34% | -12.64% |
| ZeroStack Corp. (ZSTK)vs › | $83.08M | -1287.00% | -262.00% | -376.72% | -270.17% |
| Silvercrest Asset Management Group Inc. (SAMG)vs › | $80.35M | 1.97% | 10.77% | 13.70% | 14.53% |
| Central Plains Bancshares, Inc. Common Stock (CPBI)vs › | $83.66M | 4.99% | 4.44% | 4.48% | 5.23% |
| JATT II Acquisition Corp. (JATT)vs › | $84.34M | N/A | N/A | N/A | N/A |
| Starry Sea Acquisition Corp. (SSEA)vs › | $79.03M | 1.46% | 5.56% | 5.56% | 5.56% |
| Wintergreen Acquisition Corp. (WTG)vs › | $78.99M | 86.08% | 18.60% | 18.60% | 18.60% |
| Summit State Bank (SSBI)vs › | $85.12M | 2.22% | 1.07% | 8.10% | 10.62% |
ROE
11.1%
ROA
0.9%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 11.06% |
| 2026-03-31 | 11.54% |
| 2025-12-31 | 11.00% |
| 2025-09-30 | 11.38% |
| 2025-06-30 | 12.50% |
| 2025-03-31 | 11.97% |
| 2024-12-31 | 11.66% |
| 2024-09-30 | 12.13% |
| 2024-06-30 | 14.05% |
| 2024-03-31 | 14.33% |
| 2023-12-31 | 14.07% |
| 2023-09-30 | 16.86% |
| 2023-06-30 | 15.03% |
| 2023-03-31 | 14.90% |
| 2022-12-31 | 14.49% |
| 2022-09-30 | 16.57% |
| 2022-06-30 | 16.13% |
| 2022-03-31 | 14.54% |
| 2021-12-31 | 13.18% |
| 2021-09-30 | 13.75% |
| 2021-06-30 | 12.67% |
| 2021-03-31 | 12.41% |
| 2020-12-31 | 11.64% |
| 2020-09-30 | 10.62% |
| 2020-06-30 | 10.31% |
| 2020-03-31 | 10.76% |
| 2019-12-31 | 11.36% |
| 2019-09-30 | 9.38% |
| 2019-06-30 | 9.09% |
| 2019-03-31 | 8.83% |
| 2018-12-31 | 8.46% |
| 2018-09-30 | 9.91% |
| 2018-06-30 | 9.20% |
| 2018-03-31 | 8.68% |
| 2017-12-31 | 8.08% |
| 2017-09-30 | 8.31% |
| 2017-06-30 | 8.24% |
| 2017-03-31 | 8.32% |
| 2016-12-31 | 8.40% |
| 2016-09-30 | 8.29% |
| 2016-06-30 | 8.21% |
| 2016-03-31 | 8.05% |
| 2015-12-31 | 7.77% |
| 2015-09-30 | 7.44% |
| 2015-06-30 | 7.19% |
| 2015-03-31 | 7.03% |
| 2014-12-31 | 6.57% |
| 2014-09-30 | 6.27% |
| 2014-06-30 | 7.24% |
| 2014-03-31 | 6.72% |
| 2013-12-31 | 6.72% |
| 2013-09-30 | 6.65% |
| 2013-06-30 | 5.05% |
| 2013-03-31 | 5.72% |
| 2012-12-31 | 6.55% |
| 2012-09-30 | 7.51% |
| 2012-06-30 | 8.50% |
| 2012-03-31 | 8.61% |
| 2011-12-31 | 8.54% |
| 2011-09-30 | 7.49% |
| 2011-06-30 | 7.30% |
| 2011-03-31 | 7.28% |
| 2010-12-31 | 7.16% |
| 2010-09-30 | 7.56% |
| 2010-06-30 | 7.75% |
| 2010-03-31 | 7.73% |
| 2009-12-31 | 8.25% |
| 2009-09-30 | 9.03% |
| 2009-06-30 | 9.84% |
| 2009-03-31 | 10.74% |
| 2008-12-31 | 11.09% |
| 2008-09-30 | 10.96% |
| 2008-06-30 | 9.33% |
| 2008-03-31 | 8.11% |
| 2007-12-31 | 7.63% |
| 2007-09-30 | 7.94% |
| 2007-06-30 | 8.37% |
| 2007-03-31 | 6.36% |
| 2006-12-31 | 6.35% |
| 2006-09-30 | 6.65% |
| 2006-06-30 | 8.48% |
| 2006-03-31 | 9.89% |
| 2005-12-31 | 10.14% |
| 2005-09-30 | 9.24% |
| 2005-06-30 | 9.48% |
| 2005-03-31 | 10.01% |
| 2004-12-31 | 9.85% |
| 2004-09-30 | 11.17% |
| 2004-06-30 | 12.16% |
| 2004-03-31 | 11.08% |
| 2003-12-31 | 11.19% |
| 2003-09-30 | 11.13% |
| 2003-06-30 | 10.24% |
