United Bancorp Inc Financial Flexibility Index
United Bancorp Inc financial flexibility index. United Bancorp Inc (UBCP) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $2.98 Million (operating CF $938.00K minus capex $2.04 Million) represents 0% of total liabilities ($805.88 Million). See free cash flow generation of United Bancorp Inc to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of United Bancorp Inc (1992–2025)
Financial flexibility index of United Bancorp Inc from 1992 to 2025. Historical Financial Flexibility Index trend for United Bancorp Inc across 34 annual periods. Check UBCP cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
United Bancorp Inc Financial Flexibility Index by Year (1992–2025)
United Bancorp Inc financial flexibility index by year from 1992 to 2025. Year-by-year free cash flow to debt coverage for United Bancorp Inc. For the full cash flow conversion analysis, see United Bancorp Inc cash flow conversion.
| 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 | — |