United Bancorp Inc (UBCP) — Financial Flexibility Index
United Bancorp Inc (UBCP) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $2.41 Million (operating CF $364.00K minus capex $2.04 Million) represents 0% of total liabilities ($791.00 Million). Check UBCP cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Bancorp Inc Financial Flexibility Index (1992–2025)
Historical Financial Flexibility Index trend for United Bancorp Inc across 34 annual periods. For the full cash flow conversion analysis, see how efficiently does United Bancorp Inc generate cash.
Annual Financial Flexibility Index for United Bancorp Inc (1992–2025)
Year-by-year free cash flow to debt coverage for United Bancorp Inc. Explore UBCP cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.03x | $21.73 Million | $9.96 Million | $786.93 Million | ▲ +14.7% |
| 2024 | 0.02x | $18.14 Million | $8.45 Million | $753.20 Million | ▲ +72.7% |
| 2023 | 0.01x | $10.54 Million | $9.46 Million | $755.86 Million | ▲ +8.2% |
| 2022 | 0.01x | $8.99 Million | $8.48 Million | $697.66 Million | ▼ -6.2% |
| 2021 | 0.01x | $8.97 Million | $8.19 Million | $652.75 Million | ▼ -27.8% |
| 2020 | 0.02x | $11.89 Million | $9.37 Million | $625.07 Million | ▲ +19.6% |
| 2019 | 0.02x | $9.95 Million | $8.62 Million | $625.78 Million | ▲ +31.9% |
| 2018 | 0.01x | $6.54 Million | $5.75 Million | $542.57 Million | ▼ -6.4% |
| 2017 | 0.01x | $5.35 Million | $4.57 Million | $415.44 Million | ▼ -20.9% |
| 2016 | 0.02x | $6.43 Million | $4.18 Million | $395.38 Million | ▲ +6.0% |
| 2015 | 0.02x | $5.58 Million | $4.28 Million | $363.63 Million | ▲ +23.6% |
| 2014 | 0.01x | $4.49 Million | $4.18 Million | $361.42 Million | ▼ -48.7% |
| 2013 | 0.02x | $8.49 Million | $7.17 Million | $350.17 Million | ▲ +36.7% |
| 2012 | 0.02x | $7.13 Million | $5.60 Million | $401.73 Million | ▼ -12.9% |
| 2011 | 0.02x | $7.73 Million | $6.24 Million | $379.38 Million | ▼ -1.7% |
| 2010 | 0.02x | $8.04 Million | $6.63 Million | $387.85 Million | ▲ +187.6% |
| 2009 | 0.01x | $2.96 Million | $1.95 Million | $410.76 Million | ▼ -58.9% |
| 2008 | 0.02x | $7.15 Million | $6.00 Million | $407.90 Million | ▲ +104.1% |
| 2007 | 0.01x | $3.59 Million | $3.28 Million | $417.48 Million | ▼ -19.2% |
| 2006 | 0.01x | $4.13 Million | $3.89 Million | $389.07 Million | ▼ -9.4% |
| 2005 | 0.01x | $4.45 Million | $3.97 Million | $379.45 Million | ▲ +0.6% |
| 2004 | 0.01x | $4.25 Million | $3.86 Million | $364.70 Million | ▼ -4.9% |
| 2003 | 0.01x | $4.33 Million | $4.20 Million | $353.01 Million | ▼ -20.2% |
| 2002 | 0.02x | $5.06 Million | $4.06 Million | $329.56 Million | ▲ +25.8% |
| 2001 | 0.01x | $3.80 Million | $3.35 Million | $310.84 Million | ▼ -25.9% |
| 2000 | 0.02x | $4.87 Million | $3.46 Million | $295.21 Million | ▼ -34.6% |
| 1999 | 0.03x | $6.90 Million | $4.10 Million | $273.50 Million | ▲ +27.7% |
| 1998 | 0.02x | $5.10 Million | $4.10 Million | $258.20 Million | ▼ -11.3% |
| 1997 | 0.02x | $5.30 Million | $4.50 Million | $237.90 Million | ▼ -18.7% |
| 1996 | 0.03x | $5.00 Million | $4.10 Million | $182.40 Million | ▲ +18.4% |
| 1995 | 0.02x | $4.00 Million | $3.70 Million | $172.70 Million | ▲ +63.2% |
| 1994 | 0.01x | $2.40 Million | $2.20 Million | $169.10 Million | ▼ -17.8% |
| 1993 | 0.02x | $2.70 Million | $2.30 Million | $156.30 Million | ▲ +18.3% |
| 1992 | 0.01x | $2.20 Million | $2.00 Million | $150.60 Million | — |