United Bancorp Inc (UBCP) — Cash Flow Reinvestment Rate
United Bancorp Inc (UBCP) has a Cash Flow Reinvestment Rate of 36.48x as of March 2026, reinvesting $13.28 Million (capex $2.04 Million plus investments $-11.24 Million) from operating cash flow of $364.00K. Check UBCP cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
United Bancorp Inc Cash Flow Reinvestment Rate (1992–2025)
Historical reinvestment intensity for United Bancorp Inc across 34 annual periods. Explore UBCP strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for United Bancorp Inc (1992–2025)
Year-by-year capital reinvestment analysis for United Bancorp Inc. For live market cap and broader valuation context, see UBCP market cap overview.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 3.02x | $30.08 Million | $9.96 Million | $11.78 Million | ▼ -12.5% |
| 2024 | 3.45x | $29.16 Million | $8.45 Million | $9.70 Million | ▲ +40.4% |
| 2023 | 2.46x | $23.27 Million | $9.46 Million | $1.08 Million | ▼ -79.9% |
| 2022 | 12.21x | $103.52 Million | $8.48 Million | $511.00K | ▲ +907.6% |
| 2021 | 1.21x | $9.92 Million | $8.19 Million | $777.00K | ▼ -68.6% |
| 2020 | 3.86x | $36.19 Million | $9.37 Million | $2.52 Million | ▼ -63.8% |
| 2019 | 10.66x | $91.90 Million | $8.62 Million | $1.34 Million | ▼ -31.8% |
| 2018 | 15.64x | $90.01 Million | $5.75 Million | $785.00K | ▲ +294.3% |
| 2017 | 3.97x | $18.12 Million | $4.57 Million | $782.00K | ▼ -53.1% |
| 2016 | 8.46x | $35.34 Million | $4.18 Million | $2.26 Million | ▲ +16.7% |
| 2015 | 7.25x | $31.00 Million | $4.28 Million | $1.31 Million | ▲ +1915.2% |
| 2014 | 0.36x | $1.50 Million | $4.18 Million | $309.00K | ▼ -71.4% |
| 2013 | 1.26x | $9.04 Million | $7.17 Million | $1.32 Million | ▼ -79.6% |
| 2012 | 6.19x | $34.67 Million | $5.60 Million | $1.53 Million | ▲ +239.0% |
| 2011 | 1.83x | $11.39 Million | $6.24 Million | $1.49 Million | ▲ +762.7% |
| 2010 | 0.21x | $1.40 Million | $6.63 Million | $1.40 Million | ▼ -59.4% |
| 2009 | 0.52x | $1.01 Million | $1.95 Million | $1.01 Million | ▲ +170.7% |
| 2008 | 0.19x | $1.16 Million | $6.00 Million | $1.16 Million | ▲ +105.0% |
| 2007 | 0.09x | $308.00K | $3.28 Million | $308.00K | ▲ +47.2% |
| 2006 | 0.06x | $248.00K | $3.89 Million | $248.00K | ▼ -47.7% |
| 2005 | 0.12x | $484.00K | $3.97 Million | $484.00K | ▲ +20.9% |
| 2004 | 0.10x | $389.80K | $3.86 Million | $389.80K | ▲ +231.1% |
| 2003 | 0.03x | $128.00K | $4.20 Million | $128.00K | ▼ -87.7% |
| 2002 | 0.25x | $1.00 Million | $4.06 Million | $1.00 Million | ▲ +87.9% |
| 2001 | 0.13x | $441.46K | $3.35 Million | $441.46K | ▼ -67.8% |
| 2000 | 0.41x | $1.41 Million | $3.46 Million | $1.41 Million | ▼ -40.2% |
| 1999 | 0.68x | $2.80 Million | $4.10 Million | $2.80 Million | ▲ +180.0% |
| 1998 | 0.24x | $1.00 Million | $4.10 Million | $1.00 Million | ▲ +37.2% |
| 1997 | 0.18x | $800.00K | $4.50 Million | $800.00K | ▼ -19.0% |
| 1996 | 0.22x | $900.00K | $4.10 Million | $900.00K | ▲ +170.7% |
| 1995 | 0.08x | $300.00K | $3.70 Million | $300.00K | ▼ -10.8% |
| 1994 | 0.09x | $200.00K | $2.20 Million | $200.00K | ▼ -47.7% |
| 1993 | 0.17x | $400.00K | $2.30 Million | $400.00K | ▲ +73.9% |
| 1992 | 0.10x | $200.00K | $2.00 Million | $200.00K | — |