United Bancorp (UBCP) FCF Payout Ratio (2012 - 2025)
United Bancorp (UBCP) posted quarterly 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% quarter-over-quarter from 3.04 in Q3 2025.
United Bancorp (UBCP) FCF Payout Ratio (2012 - 2025) Analysis & Trends
United Bancorp (UBCP) has reported FCF Payout Ratio for 14 consecutive years, with 0.62 the latest figure, recorded in Q4 2025.
- In Q4 2025, FCF Payout Ratio fell 199.66% year-over-year to 0.62; the TTM figure through Dec 2025 stood at 4.15 (down 1.17% YoY), while the FY2025 annual figure was 4.15, down 1.17% from the prior year.
- FCF Payout Ratio advanced 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.
- Historically, FCF Payout Ratio has averaged 0.46 across 5 years, with a median of 0.37 in 2022.
- Annual changes were most pronounced in 2023 — FCF Payout Ratio jumped 791.91% — and 2025, when it tumbled 382.21%.
- United Bancorp's FCF Payout Ratio stood at 0.54 in 2021, then slumped by 42.25% to 0.31 in 2022, then climbed by 24.35% to 0.39 in 2023, then jumped by 60.19% to 0.62 in 2024, then slumped by 199.66% to 0.62 in 2025.
- Business Quant data shows UBCP's FCF Payout Ratio at 0.62 in Q4 2025, 3.04 in Q3 2025, and 0.75 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 0.32 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 0.17 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | - |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 0.67 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | - |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | - |
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 |