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
DateValue
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