United Bancorp Inc (UBCP) — Defensive Interval Ratio
United Bancorp Inc (UBCP) has a Defensive Interval Ratio of 72 days as of September 2025. Defensive assets of $135.56 Million (cash $-, short-term investments $131.93 Million, receivables $3.63 Million) cover 72 days of daily cash needs of $1.89 Million/day. Check tangible net worth ratio of United Bancorp Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
United Bancorp Inc Defensive Interval Ratio (1992–2024)
This chart shows how United Bancorp Inc's Defensive Interval Ratio has evolved across 32 annual periods from 1992 to 2024. As of September 2025, the ratio stands at 72 days, meaning defensive assets of $135.56 Million can fund 72 days of operations without new revenue. Also explore United Bancorp Inc (UBCP) equity growth momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for United Bancorp Inc (1992–2024)
The table below presents the year-by-year Defensive Interval Ratio for United Bancorp Inc from 1992 to 2024, covering 32 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 UBCP company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (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 | $- | $- | — |