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
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