United Bancorp Inc (UBCP) — Cash Flow Quality Index
United Bancorp Inc (UBCP) has a Cash Flow Quality Index of 1.64x as of September 2025. Operating cash flow of $3.17 Million exceeds net income of $1.93 Million, indicating high earnings quality where cash backs reported profits. Explore long-term investment intensity of United Bancorp Inc to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Bancorp Inc Cash Flow Quality Index (1992–2024)
Historical Cash Flow Quality Index for United Bancorp Inc across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check UBCP goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for United Bancorp Inc (1992–2024)
Year-by-year earnings quality comparison for United Bancorp Inc. For live market cap and the full company financial profile, see market value of United Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 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 | — |