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 UBCP operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see United Bancorp Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for United Bancorp Inc (1992–2025)
Year-by-year earnings quality comparison for 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 | — |