United Bancorp Inc /Oh/ (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.
Powered by 
Analysis
United Bancorp Inc /Oh/ (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
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 | 35.07% |
| Jun 30, 2021 | 26.81% |
| Mar 31, 2021 | 19.14% |
API Access
United Bancorp Inc /Oh/ 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();