UBCP FY2026 earnings: results, stock reaction and implied move

Reported results

Diluted earnings per share was $0.25 and net income was $1,401,971 for the three months ended September 30, 2026.
For the nine months ended September 30, 2026, diluted earnings per share was $0.94 and net income was $5,407,526.
Pre-Provision Net Revenue (PPNR) (a non-GAAP measure) was $3,489,851 for the three months ended September 30, 2026.
Provision for Credit Loss Expense was $2,421,721 for the three months ended September 30, 2026.
Net interest income was $20,513,342 for the nine months ended September 30, 2026, an increase of 4.81% year-over-year.

The Company anticipates achieving a vision of becoming a community financial institution with assets of $1.0 billion or greater in the very near term.
The Company anticipates the increasing trends of net interest income and net interest margin to continue over the remainder of 2026.

The figures above come from the earnings release the company filed with the SEC on 2026-11-06 (8-K, Item 2.02). Read the original filing on sec.gov.