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% quarter-over-quarter 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.
- FCF Payout Ratio for Q4 2025 came in at 0.62, down 199.66% year-over-year; the trailing twelve-month figure through Dec 2025 was 4.15 (down 1.17% YoY), and the FY2025 annual result was 4.15, down 1.17% from the prior year.
- FCF Payout Ratio improved to 0.62 in Q4 2025 per UBCP's latest filing, from 3.04 in the prior quarter.
- Over five years, FCF Payout Ratio peaked at 8.69 in Q1 2024 and troughed at 3.59 in Q1 2025.
- A 5-year average of 0.46 and a median of 0.37 in 2022 frame the typical range for FCF Payout Ratio.
- The sharpest annual moves came in 2023 and 2025: FCF Payout Ratio jumped 791.91% in 2023, then tumbled 382.21% in 2025.
- A 5-year view of FCF Payout Ratio shows it stood at 0.54 in 2021, then sank by 42.25% to 0.31 in 2022, then advanced by 24.35% to 0.39 in 2023, then soared by 60.19% to 0.62 in 2024, then sank 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.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | 5.86 |
| 2 | Bank Bradesco | 6,846.93 Bn | 6,830.99 Bn | - | - |
| 3 | Lloyds Banking | 384.13 Bn | 384.40 Bn | - | - |
| 4 | First Capital | 215.78 Bn | 215.63 Bn | - | 0.18 |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 0.19 |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | - |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | -1.36 |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | - |
| 10 | United Bancorp | 83.42 Mn | -197.31 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 |