United Bancorp (UBCP) FCF Margin (2012 - 2025)
United Bancorp (UBCP) reported FCF Margin of 20.53% for Q4 2025, down 4344.0% year-over-year from 0.48% in Q4 2024, and down 351.85% quarter-over-quarter from 4.54% in Q3 2025.
United Bancorp (UBCP) FCF Margin (2012 - 2025) Analysis & Trends
United Bancorp (UBCP) has 14 years of FCF Margin data on file, last reported at 20.53% in Q4 2025.
- FCF Margin for Q4 2025 came in at 20.53%, down 4344.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 4.07% (up 19.0% YoY), and the FY2025 annual result was 4.07%, up 19.0% from the prior year.
- FCF Margin fell to 20.53% in Q4 2025 per UBCP's latest filing, from 4.54% in the prior quarter.
- Over five years, FCF Margin peaked at 383.91% in Q3 2021 and troughed at 39.78% in Q2 2022.
- A 5-year average of 51.23% and a median of 23.31% in 2021 frame the typical range for FCF Margin.
- The sharpest annual moves came in 2021 and 2022: FCF Margin soared 23169 bps in 2021, then slumped 34441 bps in 2022.
- A 5-year view of FCF Margin shows it stood at 23.71% in 2021, then surged by 68 bps to 39.88% in 2022, then fell by 14 bps to 34.34% in 2023, then tumbled by 33 bps to 22.91% in 2024, then sank by 190 bps to 20.53% in 2025.
- Business Quant data shows UBCP's FCF Margin at 20.53% in Q4 2025, 4.54% in Q3 2025, and 18.33% in Q2 2025.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | - |
| 2 | Bank Bradesco | 6,846.93 Bn | 6,830.99 Bn | - | - |
| 3 | Lloyds Banking | 384.13 Bn | 384.40 Bn | - | - |
| 4 | First Capital | 215.78 Bn | 215.63 Bn | - | 339.84% |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 35.69% |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | - |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | 136,088.77% |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | - |
| 10 | United Bancorp | 83.42 Mn | -197.31 Mn | - | -20.53% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -20.53% |
| Sep 30, 2025 | -4.54% |
| Jun 30, 2025 | 18.33% |
| Mar 31, 2025 | -7.89% |
| Dec 31, 2024 | 22.91% |
| Sep 30, 2024 | -22.86% |
| Jun 30, 2024 | -20.53% |
| Mar 31, 2024 | 3.19% |
| Dec 31, 2023 | 34.34% |
| Sep 30, 2023 | 35.76% |
| Jun 30, 2023 | 34.49% |
| Mar 31, 2023 | 7.46% |
| Dec 31, 2022 | 39.88% |
| Sep 30, 2022 | 39.50% |
| Jun 30, 2022 | -39.78% |
| Mar 31, 2022 | 73.51% |
| Dec 31, 2021 | 23.71% |
| Sep 30, 2021 | 383.91% |
| Jun 30, 2021 | 222.00% |
| Mar 31, 2021 | 201.69% |