United Bancorp Inc Cash Flow Quality Index
United Bancorp Inc cash flow quality index. United Bancorp Inc (UBCP) has a Cash Flow Quality Index of 0.45x as of June 2026. Operating cash flow of $938.00K is below net income of $2.09 Million, suggesting accrual-heavy earnings not yet converted to cash. See United Bancorp Inc (UBCP) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of United Bancorp Inc (1992–2025)
Cash flow quality index of United Bancorp Inc from 1992 to 2025. Historical Cash Flow Quality Index for United Bancorp Inc across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore UBCP debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
United Bancorp Inc Cash Flow Quality Index by Year (1992–2025)
United Bancorp Inc cash flow quality index by year from 1992 to 2025. Year-by-year earnings quality comparison for United Bancorp Inc. For the full cash flow conversion analysis, see cash flow conversion of United Bancorp Inc.
| 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 | — |