United Bancorp (UBCP) FCF Payout Ratio (2012 - 2025)
United Bancorp (UBCP) reported FCF Payout Ratio of 0.62 for Q4 2025, down 199.66% year-over-year from 0.62 in Q4 2024, and up 79.66% on a QoQ basis from 3.04 in Q3 2025.
United Bancorp (UBCP) has 14 years of FCF Payout Ratio data on file, last reported at 0.62 in Q4 2025.
- Quarterly FCF Payout Ratio fell 199.66% year-over-year to 0.62 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 4.15 (down 1.17% YoY) and the FY2025 annual result came in at 4.15, down 1.17% from the prior year.
- FCF Payout Ratio rose to 0.62 in Q4 2025 per UBCP's latest filing, from 3.04 in the prior quarter.
- Across five years, FCF Payout Ratio topped out at 8.69 in Q1 2024 and bottomed at 3.59 in Q1 2025.
- The 5-year median for FCF Payout Ratio is 0.37 (2022), against an average of 0.46.
- The widest annual swing landed in 2023, when FCF Payout Ratio surged 791.91%; it then sank 382.21% in 2025.
- Tracing UBCP's FCF Payout Ratio over 5 years: stood at 0.54 in 2021, then tumbled by 42.25% to 0.31 in 2022, then rose by 24.35% to 0.39 in 2023, then jumped by 60.19% to 0.62 in 2024, then tumbled by 199.66% to 0.62 in 2025.
- Per Business Quant, the three latest UBCP FCF Payout Ratio figures stand at 0.62 (Q4 2025), 3.04 (Q3 2025), and 0.75 (Q2 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | 5.86 |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 0.18 |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 0.19 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | - |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 0.36 |
| 10 | United Bancorp | 80.02 Mn | -200.71 Mn | - | -0.62 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -0.62 |
| Sep 30, 2025 | -3.04 |
| Jun 30, 2025 | 0.75 |
| Mar 31, 2025 | -3.59 |
| Dec 31, 2024 | 0.62 |
| Sep 30, 2024 | -0.63 |
| Jun 30, 2024 | -0.69 |
| Mar 31, 2024 | 8.69 |
| Dec 31, 2023 | 0.39 |
| Sep 30, 2023 | 0.37 |
| Jun 30, 2023 | 0.37 |
| Mar 31, 2023 | 3.33 |
| Dec 31, 2022 | 0.31 |
| Sep 30, 2022 | 0.30 |
| Jun 30, 2022 | -0.34 |
| Mar 31, 2022 | 0.37 |
| Dec 31, 2021 | 0.54 |
| Sep 30, 2021 | 0.32 |
| Jun 30, 2021 | 0.48 |
| Mar 31, 2021 | 1.21 |
| Dec 31, 2020 | 0.35 |
| Sep 30, 2020 | 0.23 |
| Jun 30, 2020 | -12.92 |
| Mar 31, 2020 | 0.92 |
| Dec 31, 2019 | 0.38 |
| Sep 30, 2019 | 0.11 |
| Jun 30, 2019 | -0.26 |
| Mar 31, 2019 | 1.52 |
| Dec 31, 2018 | 1.03 |
| Sep 30, 2018 | 0.29 |
| Jun 30, 2018 | 0.73 |
| Mar 31, 2018 | 1.65 |
| Dec 31, 2017 | 0.54 |
| Sep 30, 2017 | 0.57 |
| Jun 30, 2017 | 0.56 |
| Mar 31, 2017 | -3.68 |
| Dec 31, 2016 | 0.88 |
| Sep 30, 2016 | 0.74 |
| Jun 30, 2016 | 0.91 |
| Mar 31, 2016 | -1.17 |
| Dec 31, 2015 | 1.87 |
| Sep 30, 2015 | 0.35 |
| Jun 30, 2015 | 0.33 |
| Mar 31, 2015 | -1.56 |
| Dec 31, 2014 | 0.30 |
| Sep 30, 2014 | 0.36 |
| Jun 30, 2014 | 0.37 |
| Mar 31, 2014 | -5.18 |
| Dec 31, 2013 | 0.11 |
| Sep 30, 2013 | 0.32 |
| Jun 30, 2013 | 0.24 |
| Mar 31, 2013 | -0.58 |
| Dec 31, 2012 | 0.19 |
| Sep 30, 2012 | 0.44 |
| Jun 30, 2012 | 0.78 |
| Mar 31, 2012 | 3.23 |