United Bancorp (UBCP) Free Cash Flow (2012 - 2025)
United Bancorp (UBCP) posted quarterly Free Cash Flow of -$1.8 million for Q4 2025, down 205.67% year-over-year from $1.7 million in Q4 2024, and down 397.28% quarter-over-quarter from -$367000.0 in Q3 2025.
United Bancorp (UBCP) Free Cash Flow (2012 - 2025) Analysis & Trends
United Bancorp (UBCP) has reported Free Cash Flow for 14 consecutive years, with -$1.8 million the latest figure, recorded in Q4 2025.
- In Q4 2025, Free Cash Flow fell 205.67% year-over-year to -$1.8 million; the TTM figure through Dec 2025 stood at -$1.3 million (down 6.01% YoY), while the FY2025 annual figure was -$1.3 million, down 6.01% from the prior year.
- Free Cash Flow fell to -$1.8 million in Q4 2025 per UBCP's latest filing, from -$367000.0 in the prior quarter.
- Across five years, Free Cash Flow topped out at $4.8 million in Q1 2022 and bottomed at -$2.8 million in Q2 2022.
- Historically, Free Cash Flow has averaged $1.1 million across 5 years, with a median of $1.6 million in 2021.
- Annual changes were most pronounced in 2021 — Free Cash Flow soared 2863.08% — and 2025, when it plunged 366.37%.
- United Bancorp's Free Cash Flow stood at $1.7 million in 2021, then soared by 83.04% to $3.0 million in 2022, then dropped by 14.74% to $2.6 million in 2023, then tumbled by 33.22% to $1.7 million in 2024, then sank by 205.67% to -$1.8 million in 2025.
- Business Quant data shows UBCP's Free Cash Flow at -$1.8 million in Q4 2025, -$367000.0 in Q3 2025, and $1.5 million in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.15 Bn |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 4.82 Bn |
| 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 | - | 955.00 Mn |
| 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 | -1.83 Mn |
| Dec 31, 2025 | -1.83 Mn |
| Sep 30, 2025 | -367,000.00 |
| Sep 30, 2025 | -367,000.00 |
| Jun 30, 2025 | 1.46 Mn |
| Jun 30, 2025 | 1.46 Mn |
| Mar 31, 2025 | -594,000.00 |
| Mar 31, 2025 | -594,000.00 |
| Dec 31, 2024 | 1.73 Mn |
| Dec 31, 2024 | 1.73 Mn |
| Sep 30, 2024 | -1.68 Mn |
| Sep 30, 2024 | -1.68 Mn |
| Jun 30, 2024 | -1.52 Mn |
| Jun 30, 2024 | -1.52 Mn |
| Mar 31, 2024 | 223,000.00 |
| Mar 31, 2024 | 223,000.00 |
| Dec 31, 2023 | 2.59 Mn |
| Dec 31, 2023 | 2.59 Mn |
| Sep 30, 2023 | 2.69 Mn |
| Sep 30, 2023 | 2.69 Mn |