UBCP (United Bancorp) Effective Interest Rate on Debt % : 14.69% (As of Dec. 2024)

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What is United Bancorp Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. United Bancorp's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $14.94 Mil. United Bancorp's average total debt for the quarter that ended in Dec. 2024 was $101.70 Mil. Therefore, United Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 14.69%.

United Bancorp Effective Interest Rate on Debt % Historical Data

The historical data trend for United Bancorp's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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United Bancorp Effective Interest Rate on Debt % Chart

United Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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10.89

10.98

13.81

17.58

14.48

United Bancorp Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															12.79	13.81	14.47	14.97	14.69

Competitive Comparison of United Bancorp's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, United Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

United Bancorp's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where United Bancorp's Effective Interest Rate on Debt % falls into.

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United Bancorp Effective Interest Rate on Debt % Calculation

United Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -14.721	/	( (101.551	+	101.72)	/ 2 )
=	-1 * -14.721	/	101.6355
=	14.48 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	101.551	+	0
=	101.551

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	101.72	+	0
=	101.72

United Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2024 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -14.936	/	( (101.677	+	101.72)	/ 2 )
=	-1 * -14.936	/	101.6985
=	14.69 %

where

	Total Debt (Q: Sep. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	101.677	+	0
=	101.677

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	101.72	+	0
=	101.72

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

United Bancorp (NAS:UBCP) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

United Bancorp Effective Interest Rate on Debt % Related Terms

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United Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Bancorp Inc (NAS:UBCP) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

201 South 4th Street, Unified Bank Building, P.O. Box 10, Martins Ferry, OH, USA, 43935

Website

https://www.unitedbancorp.com

United Bancorp Inc operates as a bank holding company that provides commercial and retail banking services. Through its subsidiary (Unified Bank), the company provides a broad range of banking and financial services, which includes accepting demand, savings, and time deposits and granting commercial, real estate, and consumer loans. It serves customers in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The bank also operates in Marshall County West Virginia.

Executives

Randall M Greenwood	officer: Senior Vice President CFO
Scott A Everson	officer: Sr Vo COO	67295 COUNTRYSIDE, SAINT CLAIRSVILLE OH 43950
John M Hoopingarner	director	320 EAST 14TH STREET, DOVER OH 44622
Matthew Fredrick Branstetter	officer: SVP and COO	135 EDGWOOD STREET, WHEELING WV 26003
Gary W Glessner	director	C/O UNITED BANCORP, INC., PO BOX 10, MARTINS FERRY OH 43935
Richard L Riesbeck	director	PO BOX 459, ST CLAIRSVILLE OH 43950
Lisa Ann Basinger	officer: Corporate Secretary	100 STONE CHRUCH RD., APT. T, WHEELING WV 26003
Terry A Mcghee	director
Elmer Kinsey Leeper	officer: VP Chief Retail Officer	3262 STATE ROUTE NORTH WEST, DOVER OH 44622
Michael A Lloyd	officer: VP Information Systems
Matthew C Thomas	director
Seth Robert Abraham	officer: Vice President Chief Human Res	26 OAK PARK, WHEELING WV 26003
James W Everson	officer: Chairman, President and CEO	5893 ROLLING PINES DRIVE, NAPLES FL 34110-3304
James A Lodes	officer: VP Lending
Michael J Arciello	director	1654 COVENTRY ROAD NE, MASSILION OH 44646