United Bancorp (UBCP) FCF Payout Ratio (2012 - 2025)
United Bancorp's (UBCP) quarterly FCF Payout Ratio came in at 0.62 in Q4 2025, down 199.66% year-on-year from 0.62 in Q4 2024, and up 79.66% on a QoQ basis from 3.04 in Q3 2025.
United Bancorp (UBCP) FCF Payout Ratio (2012 - 2025) Analysis & Trends
United Bancorp (UBCP) has 14 years of FCF Payout Ratio data on file, last reported at 0.62 in Q4 2025.
- On a quarterly basis, FCF Payout Ratio fell 199.66% year-over-year to 0.62 in Q4 2025; TTM through Dec 2025 was 4.15, a 1.17% decrease from a year earlier, with the FY2025 full-year figure at 4.15, down 1.17% from the prior year.
- FCF Payout Ratio for Q4 2025 stood at 0.62, up from 3.04 in the prior quarter.
- Over the last five years, FCF Payout Ratio for UBCP reached as high as 8.69 in Q1 2024 and fell as low as 3.59 in Q1 2025.
- Historically, FCF Payout Ratio has averaged 0.46 across 5 years, with a median of 0.37 in 2022.
- Across the five-year window, FCF Payout Ratio surged 791.91% in 2023 and sank 382.21% in 2025, its largest moves.
- Year by year, FCF Payout Ratio stood at 0.54 in 2021, then slumped by 42.25% to 0.31 in 2022, then increased by 24.35% to 0.39 in 2023, then soared by 60.19% to 0.62 in 2024, then slumped by 199.66% to 0.62 in 2025.
- Per Business Quant data, the three most recent FCF Payout Ratio figures were 0.62 in Q4 2025, 3.04 in Q3 2025, and 0.75 in Q2 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 43,124.21 Bn | 43,125.44 Bn | -775,612.08 | - |
| 2 | Bank Of Chile | 4,242.71 Bn | 4,242.71 Bn | 167,623.00 | 5.86 |
| 3 | Lloyds Banking | 366.21 Bn | 366.21 Bn | - | - |
| 4 | First Capital | 200.03 Bn | 199.69 Bn | - | 0.18 |
| 5 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 0.19 |
| 6 | NatWest | 147.07 Bn | 147.07 Bn | 1.79 Bn | - |
| 7 | Pnc Financial Services | 102.33 Bn | 102.33 Bn | - | 0.36 |
| 8 | Grupo Aval Acciones Y Valores | 79.40 Bn | -1,271.88 Bn | - | - |
| 9 | Deutsche Bank Aktiengesellschaft | 68.93 Bn | 68.93 Bn | - | - |
| 10 | United Bancorp | 87.16 Mn | -193.57 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 |