United Bancorp Inc (UBCP) — Defensive Interval Ratio
United Bancorp Inc (UBCP) has a Defensive Interval Ratio of 63 days as of March 2026. Defensive assets of $121.36 Million (cash $-, short-term investments $117.92 Million, receivables $3.45 Million) cover 63 days of daily cash needs of $1.92 Million/day. See UBCP working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
United Bancorp Inc Defensive Interval Ratio (1992–2025)
This chart shows how United Bancorp Inc's Defensive Interval Ratio has evolved across 33 annual periods from 1992 to 2025. As of March 2026, the ratio stands at 63 days, meaning defensive assets of $121.36 Million can fund 63 days of operations without new revenue. See United Bancorp Inc (UBCP) balance sheet quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for United Bancorp Inc (1992–2025)
The table below presents the year-by-year Defensive Interval Ratio for United Bancorp Inc from 1992 to 2025, covering 33 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see United Bancorp Inc stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 65 days | $118.79 Million | $1.84 Million/day | $- | $114.80 Million | ▼ -5 days |
| 2024 | 70 days | $123.55 Million | $1.76 Million/day | $- | $119.23 Million | ▼ -28 days |
| 2023 | 98 days | $174.06 Million | $1.78 Million/day | $- | $169.96 Million | ▼ -13534 days |
| 2022 | 13632 days | $221.03 Million | $16.21K/day | $- | $217.62 Million | ▲ +13546 days |
| 2021 | 86 days | $148.66 Million | $1.72 Million/day | $- | $146.31 Million | ▼ -12 days |
| 2020 | 98 days | $160.97 Million | $1.64 Million/day | $- | $158.07 Million | ▼ -27 days |
| 2019 | 125 days | $191.48 Million | $1.54 Million/day | $- | $188.78 Million | ▼ -9835 days |
| 2018 | 9959 days | $125.79 Million | $12.63K/day | $- | $123.99 Million | ▲ +6004 days |
| 2017 | 3956 days | $45.95 Million | $11.62K/day | $- | $44.96 Million | ▼ -673 days |
| 2016 | 4629 days | $40.61 Million | $8.77K/day | $- | $39.77 Million | ▲ +4591 days |
| 2015 | 38 days | $35.43 Million | $937.88K/day | $- | $34.62 Million | ▲ +16 days |
| 2014 | 22 days | $20.18 Million | $927.33K/day | $- | $19.35 Million | ▼ -9 days |
| 2013 | 31 days | $27.59 Million | $897.86K/day | $- | $26.56 Million | ▼ -4 days |
| 2012 | 34 days | $35.93 Million | $1.04 Million/day | $- | $34.85 Million | ▼ -52 days |
| 2011 | 86 days | $83.41 Million | $965.48K/day | $- | $82.00 Million | ▲ +82 days |
| 2010 | 4 days | $4.00 Million | $924.08K/day | $- | $2.56 Million | ▼ -16 days |
| 2009 | 20 days | $19.79 Million | $972.11K/day | $- | $17.57 Million | ▼ -5 days |
| 2008 | 26 days | $28.90 Million | $1.12 Million/day | $- | $25.86 Million | ▲ +16 days |
| 2007 | 10 days | $10.79 Million | $1.13 Million/day | $- | $7.65 Million | ▼ 0 days |
| 2006 | 10 days | $10.31 Million | $1.05 Million/day | $- | $7.74 Million | ▲ +4 days |
| 2005 | 6 days | $6.23 Million | $990.69K/day | $- | $3.87 Million | ▲ +4 days |
| 2004 | 2 days | $2.25 Million | $961.81K/day | $- | $- | ▼ 0 days |
| 2003 | 3 days | $2.37 Million | $891.22K/day | $- | $- | ▼ -3 days |
| 2002 | 5 days | $4.64 Million | $892.06K/day | $- | $2.04 Million | ▼ -16 days |
| 2001 | 21 days | $16.76 Million | $798.09K/day | $- | $13.96 Million | ▲ +17 days |
| 2000 | 4 days | $2.76 Million | $746.34K/day | $- | $- | ▲ +1 days |
| 1999 | 3 days | $2.30 Million | $742.74K/day | $- | $- | ▼ 0 days |
| 1998 | 3 days | $2.20 Million | $673.97K/day | $- | $- | ▲ +0 days |
| 1997 | 3 days | $2.00 Million | $643.84K/day | $- | $- | ▲ +0 days |
| 1996 | 3 days | $1.40 Million | $493.42K/day | $- | $- | ▼ -1 days |
| 1995 | 4 days | $1.90 Million | $469.04K/day | $- | $- | ▼ -1 days |
| 1994 | 5 days | $2.50 Million | $460.00K/day | $- | $- | ▲ +1 days |
| 1992 | 4 days | $1.80 Million | $413.42K/day | $- | $- | — |