United Bancorp (UBCP) FCF Margin (2012 - 2025)
United Bancorp (UBCP) reported FCF Margin of -20.53% for Q4 2025, down 43.44 percentage points from 22.91% a year earlier and down 15.99 percentage points from the prior quarter.
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Analysis
United Bancorp (UBCP) FCF Margin (2012 - 2025) Analysis & Trends
Over the twelve months ended Dec 31, 2025, United Bancorp's FCF Margin came in at -4.07%, up 0.19 percentage points year-over-year; for FY2019, it was 29.36%, up 6.56 percentage points from FY2018.
- FCF Margin has increased for three consecutive years, with a five-year change of +7.36 percentage points (FY2014 to FY2019).
- By year, FCF Margin came in at 22.80% in FY2018 (+3.22 pp), 19.57% in FY2017 (+9.21 pp), 10.36% in FY2016 (-6.49 pp) and 16.85% in FY2015 (-5.15 pp).
- The Q4 2025 figure ranks as the lowest quarterly FCF Margin since Q3 2024.
- Year over year, FCF Margin gained in two of the last eight quarters, with an average year-over-year change of -15.83 percentage points.
- The high point for year-over-year FCF Margin in five years was Q2 2021 (a gain of 231.69 percentage points); the low point was Q3 2022 (a drop of 344.41 percentage points).
- Per Business Quant data, the three quarters before Q4 2025 came in at -4.54% (Q3 2025), 18.33% (Q2 2025) and -7.89% (Q1 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 890.60 Bn | 920.07 Bn | - | -44.09% |
| 2 | Banco Santander Chile | 421.74 Bn | 541.68 Bn | - | - |
| 3 | Bank Of America | 385.85 Bn | -1,990.22 Bn | - | 92.03% |
| 4 | Hsbc Holdings | 345.94 Bn | 345.99 Bn | - | - |
| 5 | Morgan Stanley | 303.15 Bn | -205.95 Bn | - | -16.70% |
| 6 | Royal Bank Of Canada | 279.82 Bn | 130.57 Bn | - | 189.34% |
| 7 | Mitsubishi Ufj Financial | 274.62 Bn | -1,313.87 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 267.07 Bn | -3,290.04 Bn | - | 27.55% |
| 9 | Wells Fargo & Company | 243.79 Bn | 245.93 Bn | - | 29.95% |
| 10 | United Bancorp | 84.60 Mn | 84.60 Mn | - | - |
Historic Data
Download Data
Historic 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% |
API Access
United Bancorp FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=UBCP&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "UBCP", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=UBCP&period=max&api_key=YOUR_API_KEY");
const data = await res.json();