United Bancorp Inc (UBCP) — Cash Flow-to-Debt Ratio
United Bancorp Inc (UBCP) has a Cash Flow-to-Debt Ratio of 0.00x as of March 2026, meaning its operating cash flow of $364.00K could theoretically repay 0% of its total liabilities ($791.00 Million) in one year. See United Bancorp Inc free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
United Bancorp Inc Cash Flow-to-Debt Ratio (1992–2025)
Historical debt coverage capacity for United Bancorp Inc across 34 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of United Bancorp Inc.
Annual Cash Flow-to-Debt Ratio for United Bancorp Inc (1992–2025)
Year-by-year debt coverage analysis for United Bancorp Inc. Check how high is United Bancorp Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $9.96 Million | $786.93 Million | ▲ +12.8% |
| 2024 | 0.01x | $8.45 Million | $753.20 Million | ▼ -10.4% |
| 2023 | 0.01x | $9.46 Million | $755.86 Million | ▲ +3.0% |
| 2022 | 0.01x | $8.48 Million | $697.66 Million | ▼ -3.1% |
| 2021 | 0.01x | $8.19 Million | $652.75 Million | ▼ -16.3% |
| 2020 | 0.01x | $9.37 Million | $625.07 Million | ▲ +8.9% |
| 2019 | 0.01x | $8.62 Million | $625.78 Million | ▲ +29.8% |
| 2018 | 0.01x | $5.75 Million | $542.57 Million | ▼ -3.5% |
| 2017 | 0.01x | $4.57 Million | $415.44 Million | ▲ +4.1% |
| 2016 | 0.01x | $4.18 Million | $395.38 Million | ▼ -10.1% |
| 2015 | 0.01x | $4.28 Million | $363.63 Million | ▲ +1.6% |
| 2014 | 0.01x | $4.18 Million | $361.42 Million | ▼ -43.5% |
| 2013 | 0.02x | $7.17 Million | $350.17 Million | ▲ +46.9% |
| 2012 | 0.01x | $5.60 Million | $401.73 Million | ▼ -15.2% |
| 2011 | 0.02x | $6.24 Million | $379.38 Million | ▼ -3.8% |
| 2010 | 0.02x | $6.63 Million | $387.85 Million | ▲ +261.1% |
| 2009 | 0.00x | $1.95 Million | $410.76 Million | ▼ -67.8% |
| 2008 | 0.01x | $6.00 Million | $407.90 Million | ▲ +87.2% |
| 2007 | 0.01x | $3.28 Million | $417.48 Million | ▼ -21.4% |
| 2006 | 0.01x | $3.89 Million | $389.07 Million | ▼ -4.4% |
| 2005 | 0.01x | $3.97 Million | $379.45 Million | ▼ -1.3% |
| 2004 | 0.01x | $3.86 Million | $364.70 Million | ▼ -11.0% |
| 2003 | 0.01x | $4.20 Million | $353.01 Million | ▼ -3.4% |
| 2002 | 0.01x | $4.06 Million | $329.56 Million | ▲ +14.2% |
| 2001 | 0.01x | $3.35 Million | $310.84 Million | ▼ -7.8% |
| 2000 | 0.01x | $3.46 Million | $295.21 Million | ▼ -21.9% |
| 1999 | 0.01x | $4.10 Million | $273.50 Million | ▼ -5.6% |
| 1998 | 0.02x | $4.10 Million | $258.20 Million | ▼ -16.1% |
| 1997 | 0.02x | $4.50 Million | $237.90 Million | ▼ -15.8% |
| 1996 | 0.02x | $4.10 Million | $182.40 Million | ▲ +4.9% |
| 1995 | 0.02x | $3.70 Million | $172.70 Million | ▲ +64.7% |
| 1994 | 0.01x | $2.20 Million | $169.10 Million | ▼ -11.6% |
| 1993 | 0.01x | $2.30 Million | $156.30 Million | ▲ +10.8% |
| 1992 | 0.01x | $2.00 Million | $150.60 Million | — |