United Bancorp Inc (UBCP) — Financial Flexibility Index
United Bancorp Inc (UBCP) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $7.14 Million (operating CF $3.17 Million minus capex $3.98 Million) represents 0% of total liabilities ($800.29 Million). Also explore UBCP net assets growth trend to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Bancorp Inc Financial Flexibility Index (1992–2024)
Historical Financial Flexibility Index trend for United Bancorp Inc across 33 annual periods. Check United Bancorp Inc (UBCP) strategic investment index to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for United Bancorp Inc (1992–2024)
Year-by-year free cash flow to debt coverage for United Bancorp Inc. For the full company profile including market capitalisation, see market cap of United Bancorp Inc.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 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 | — |