United Bancorp Inc (UBCP) — Free Cash Flow Generation Index
United Bancorp Inc (UBCP) has a Free Cash Flow Generation Index of 2.26x as of September 2025. Free cash flow of $7.14 Million represents 2% of operating cash flow ($3.17 Million). See UBCP working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
United Bancorp Inc Free Cash Flow Generation Index (1992–2024)
Historical FCF Generation Index trend for United Bancorp Inc across 33 annual periods. Explore UBCP operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for United Bancorp Inc (1992–2024)
Year-by-year Free Cash Flow Generation Index for United Bancorp Inc. For the full company profile including market capitalisation, see United Bancorp Inc stock valuation.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | -0.15x | $-1.25 Million | $8.45 Million | $9.70 Million | ▼ -116.7% |
| 2023 | 0.89x | $8.38 Million | $9.46 Million | $1.08 Million | ▼ -5.7% |
| 2022 | 0.94x | $7.97 Million | $8.48 Million | $511.00K | ▲ +3.8% |
| 2021 | 0.91x | $7.42 Million | $8.19 Million | $777.00K | ▲ +23.8% |
| 2020 | 0.73x | $6.85 Million | $9.37 Million | $2.52 Million | ▼ -13.5% |
| 2019 | 0.84x | $7.28 Million | $8.62 Million | $1.34 Million | ▼ -2.2% |
| 2018 | 0.86x | $4.97 Million | $5.75 Million | $785.00K | ▲ +4.2% |
| 2017 | 0.83x | $3.79 Million | $4.57 Million | $782.00K | ▲ +80.3% |
| 2016 | 0.46x | $1.92 Million | $4.18 Million | $2.26 Million | ▼ -33.7% |
| 2015 | 0.69x | $2.96 Million | $4.28 Million | $1.31 Million | ▼ -25.1% |
| 2014 | 0.93x | $3.87 Million | $4.18 Million | $309.00K | ▲ +13.5% |
| 2013 | 0.82x | $5.85 Million | $7.17 Million | $1.32 Million | ▲ +12.2% |
| 2012 | 0.73x | $4.07 Million | $5.60 Million | $1.53 Million | ▼ -4.5% |
| 2011 | 0.76x | $4.75 Million | $6.24 Million | $1.49 Million | ▼ -3.4% |
| 2010 | 0.79x | $5.23 Million | $6.63 Million | $1.40 Million | ▲ +64.7% |
| 2009 | 0.48x | $931.00K | $1.95 Million | $1.01 Million | ▼ -40.7% |
| 2008 | 0.81x | $4.84 Million | $6.00 Million | $1.16 Million | ▼ -10.9% |
| 2007 | 0.91x | $2.97 Million | $3.28 Million | $308.00K | ▼ -3.2% |
| 2006 | 0.94x | $3.64 Million | $3.89 Million | $248.00K | ▲ +6.6% |
| 2005 | 0.88x | $3.48 Million | $3.97 Million | $484.00K | ▼ -2.3% |
| 2004 | 0.90x | $3.47 Million | $3.86 Million | $389.80K | ▼ -7.3% |
| 2003 | 0.97x | $4.07 Million | $4.20 Million | $128.00K | ▲ +28.8% |
| 2002 | 0.75x | $3.06 Million | $4.06 Million | $1.00 Million | ▼ -13.3% |
| 2001 | 0.87x | $2.91 Million | $3.35 Million | $441.46K | ▲ +46.7% |
| 2000 | 0.59x | $2.05 Million | $3.46 Million | $1.41 Million | ▲ +86.6% |
| 1999 | 0.32x | $1.30 Million | $4.10 Million | $2.80 Million | ▼ -58.1% |
| 1998 | 0.76x | $3.10 Million | $4.10 Million | $1.00 Million | ▼ -8.0% |
| 1997 | 0.82x | $3.70 Million | $4.50 Million | $800.00K | ▲ +5.3% |
| 1996 | 0.78x | $3.20 Million | $4.10 Million | $900.00K | ▼ -15.1% |
| 1995 | 0.92x | $3.40 Million | $3.70 Million | $300.00K | ▲ +1.1% |
| 1994 | 0.91x | $2.00 Million | $2.20 Million | $200.00K | ▲ +10.0% |
| 1993 | 0.83x | $1.90 Million | $2.30 Million | $400.00K | ▼ -8.2% |
| 1992 | 0.90x | $1.80 Million | $2.00 Million | $200.00K | — |