United Bancorp (UBCP) FCF Margin (2012 - 2025)
United Bancorp (UBCP) posted quarterly FCF Margin of 20.53% for Q4 2025, down 4344.0% year-over-year from 0.48% in Q4 2024, and down 689.69% quarter-over-quarter from 2.6% in Q3 2025.
United Bancorp (UBCP) FCF Margin (2012 - 2025) Analysis & Trends
United Bancorp (UBCP) has reported FCF Margin for 14 consecutive years, with 20.53% the latest figure, recorded in Q4 2025.
- In Q4 2025, FCF Margin fell 4344.0% year-over-year to 20.53%; the TTM figure through Dec 2025 stood at 10.18% (up 1089.0% YoY), while the FY2025 annual figure was 4.1%, up 16.0% from the prior year.
- FCF Margin eased to 20.53% in Q4 2025 per UBCP's latest filing, from 2.6% in the prior quarter.
- Across five years, FCF Margin topped out at 383.91% in Q3 2021 and bottomed at 140.91% in Q2 2023.
- Historically, FCF Margin has averaged 30.12% across 5 years, with a median of 18.66% in 2025.
- Annual changes were most pronounced in 2021 — FCF Margin soared 23169 bps — and 2022, when it slumped 34441 bps.
- United Bancorp's FCF Margin stood at 23.71% in 2021, then soared by 68 bps to 39.88% in 2022, then retreated by 14 bps to 34.34% in 2023, then plunged by 33 bps to 22.91% in 2024, then slumped by 190 bps to 20.53% in 2025.
- Business Quant data shows UBCP's FCF Margin at 20.53% in Q4 2025, 2.6% in Q3 2025, and 24.83% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.91 Bn | 84.72 Bn | - | - |
| 2 | Pnc Financial Services | 97.91 Bn | 97.91 Bn | - | 31.23% |
| 3 | Us Bancorp | 96.43 Bn | 96.43 Bn | - | 62.71% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.98 Bn | -144.11 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.09 Bn | - | - |
| 7 | Nu Holdings | 71.04 Bn | 57.36 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.78 Bn | 61.78 Bn | - | 18.14% |
| 9 | Fifth Third Bancorp | 49.93 Bn | 26.21 Bn | - | - |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -20.53% |
| Sep 30, 2025 | -2.60% |
| Jun 30, 2025 | -24.83% |
| Mar 31, 2025 | 14.41% |
| Dec 31, 2024 | 22.91% |
| Sep 30, 2024 | -107.62% |
| Jun 30, 2024 | 53.16% |
| Mar 31, 2024 | -67.37% |
| Dec 31, 2023 | 34.34% |
| Sep 30, 2023 | -26.65% |
| Jun 30, 2023 | -140.91% |
| Mar 31, 2023 | -76.34% |
| 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% |