United Bancorp (UBCP) Debt Ratio (2012 - 2026)
United Bancorp (UBCP) posted quarterly Debt Ratio of 0.03 for Q4 2025, down 8.19% year-over-year from 0.04 in Q4 2024, and up 24.38% quarter-over-quarter from 0.03 in Q3 2025.
United Bancorp (UBCP) Debt Ratio (2012 - 2026) Analysis & Trends
United Bancorp (UBCP) has reported Debt Ratio for 14 consecutive years, with 0.03 the latest figure, recorded in Q4 2025.
- In Q4 2025, Debt Ratio fell 8.19% year-over-year to 0.03; the TTM figure through Dec 2025 stood at 0.03 (down 8.19% YoY), while the FY2025 annual figure was 0.03, down 8.19% from the prior year.
- Debt Ratio grew to 0.03 in Q4 2025 per UBCP's latest filing, from 0.03 in the prior quarter.
- Across five years, Debt Ratio topped out at 0.09 in Q1 2024 and bottomed at 0.03 in Q3 2025.
- Historically, Debt Ratio has averaged 0.05 across 5 years, with a median of 0.04 in 2022.
- Annual changes were most pronounced in 2024 — Debt Ratio soared 214.59% — and 2025, when it slumped 69.98%.
- United Bancorp's Debt Ratio stood at 0.03 in 2021, then fell by 4.1% to 0.03 in 2022, then increased by 4.4% to 0.03 in 2023, then increased by 14.2% to 0.04 in 2024, then declined by 8.19% to 0.03 in 2025.
- Business Quant data shows UBCP's Debt Ratio at 0.03 in Q4 2025, 0.03 in Q3 2025, and 0.09 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.94 Bn | 84.74 Bn | - | 0.12 |
| 2 | Pnc Financial Services | 98.04 Bn | 98.04 Bn | - | 0.14 |
| 3 | Us Bancorp | 96.40 Bn | 96.40 Bn | - | 0.05 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.94 Bn | -144.15 Bn | - | 0.10 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.20 Bn | -81.12 Bn | - | 0.07 |
| 7 | Nu Holdings | 70.91 Bn | 57.22 Bn | 2.35 Bn | 0.01 |
| 8 | Truist Financial | 61.84 Bn | 61.84 Bn | - | 0.13 |
| 9 | Fifth Third Bancorp | 49.99 Bn | 26.26 Bn | - | 0.07 |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | 0.06 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 0.06 |
| Dec 31, 2025 | 0.03 |
| Sep 30, 2025 | 0.03 |
| Jun 30, 2025 | 0.09 |
| Mar 31, 2025 | 0.05 |
| Dec 31, 2024 | 0.04 |
| Sep 30, 2024 | 0.09 |
| Jun 30, 2024 | 0.09 |
| Mar 31, 2024 | 0.09 |
| Dec 31, 2023 | 0.03 |
| Sep 30, 2023 | 0.03 |
| Jun 30, 2023 | 0.09 |
| Mar 31, 2023 | 0.09 |
| Dec 31, 2022 | 0.03 |
| Sep 30, 2022 | 0.04 |
| Jun 30, 2022 | 0.03 |
| Mar 31, 2022 | 0.03 |
| Dec 31, 2021 | 0.03 |
| Sep 30, 2021 | 0.03 |
| Jun 30, 2021 | 0.03 |