United Bancorp Inc Defensive Interval Ratio
United Bancorp Inc defensive interval ratio. United Bancorp Inc (UBCP) has a Defensive Interval Ratio of 3046 days as of June 2026. Defensive assets of $245.28 Million (cash $-, short-term investments $241.05 Million, receivables $4.23 Million) cover 3046 days of daily cash needs of $80.51K/day. See United Bancorp Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of United Bancorp Inc (1992–2025)
Defensive interval ratio of United Bancorp Inc from 1992 to 2025. This chart shows how United Bancorp Inc's Defensive Interval Ratio has evolved across 33 annual periods from 1992 to 2025. As of June 2026, the ratio stands at 3046 days, meaning defensive assets of $245.28 Million can fund 3046 days of operations without new revenue. Check UBCP cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
United Bancorp Inc Defensive Interval Ratio by Year (1992–2025)
United Bancorp Inc defensive interval ratio by year from 1992 to 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 the complete balance sheet picture, see United Bancorp Inc (UBCP) total assets.
| 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 | $- | $- | — |