United Bancorp Inc (UBCP) — Cash Flow Quality Index
United Bancorp Inc (UBCP) has a Cash Flow Quality Index of 0.20x as of March 2026. Operating cash flow of $364.00K is below net income of $1.79 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore United Bancorp Inc (UBCP) cash conversion ratio to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Bancorp Inc Cash Flow Quality Index (1992–2025)
Historical Cash Flow Quality Index for United Bancorp Inc across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check United Bancorp Inc (UBCP) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for United Bancorp Inc (1992–2025)
Year-by-year earnings quality comparison for United Bancorp Inc. For live market cap and the full company financial profile, see UBCP stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.28x | $9.96 Million | $7.75 Million | ▲ +12.5% |
| 2024 | 1.14x | $8.45 Million | $7.40 Million | ▲ +7.9% |
| 2023 | 1.06x | $9.46 Million | $8.95 Million | ▲ +7.9% |
| 2022 | 0.98x | $8.48 Million | $8.66 Million | ▲ +13.0% |
| 2021 | 0.87x | $8.19 Million | $9.45 Million | ▼ -26.4% |
| 2020 | 1.18x | $9.37 Million | $7.95 Million | ▼ -6.9% |
| 2019 | 1.27x | $8.62 Million | $6.81 Million | ▼ -5.9% |
| 2018 | 1.34x | $5.75 Million | $4.28 Million | ▲ +4.4% |
| 2017 | 1.29x | $4.57 Million | $3.55 Million | ▲ +10.4% |
| 2016 | 1.17x | $4.18 Million | $3.58 Million | ▼ -12.0% |
| 2015 | 1.33x | $4.28 Million | $3.22 Million | ▼ -15.9% |
| 2014 | 1.58x | $4.18 Million | $2.65 Million | ▼ -42.5% |
| 2013 | 2.75x | $7.17 Million | $2.61 Million | ▲ +17.6% |
| 2012 | 2.33x | $5.60 Million | $2.40 Million | ▲ +15.7% |
| 2011 | 2.02x | $6.24 Million | $3.09 Million | ▼ -22.5% |
| 2010 | 2.60x | $6.63 Million | $2.55 Million | ▲ +288.8% |
| 2009 | 0.67x | $1.95 Million | $2.90 Million | ▼ -58.0% |
| 2008 | 1.60x | $6.00 Million | $3.76 Million | ▲ +25.8% |
| 2007 | 1.27x | $3.28 Million | $2.58 Million | ▼ -32.5% |
| 2006 | 1.88x | $3.89 Million | $2.07 Million | ▲ +56.1% |
| 2005 | 1.20x | $3.97 Million | $3.29 Million | ▲ +0.8% |
| 2004 | 1.19x | $3.86 Million | $3.23 Million | ▲ +3.6% |
| 2003 | 1.15x | $4.20 Million | $3.64 Million | ▼ -8.5% |
| 2002 | 1.26x | $4.06 Million | $3.22 Million | ▲ +3.6% |
| 2001 | 1.22x | $3.35 Million | $2.76 Million | ▼ -8.9% |
| 2000 | 1.34x | $3.46 Million | $2.59 Million | ▲ +4.3% |
| 1999 | 1.28x | $4.10 Million | $3.20 Million | ▲ +0.0% |
| 1998 | 1.28x | $4.10 Million | $3.20 Million | ▼ -20.3% |
| 1997 | 1.61x | $4.50 Million | $2.80 Million | ▲ +1.9% |
| 1996 | 1.58x | $4.10 Million | $2.60 Million | ▼ -6.2% |
| 1995 | 1.68x | $3.70 Million | $2.20 Million | ▲ +52.9% |
| 1994 | 1.10x | $2.20 Million | $2.00 Million | ▼ -18.7% |
| 1993 | 1.35x | $2.30 Million | $1.70 Million | ▲ +8.2% |
| 1992 | 1.25x | $2.00 Million | $1.60 Million | — |