United Bancorp (UBCP) Interest Coverage Ratio (2010 - 2025)
United Bancorp (UBCP) reported Interest Coverage Ratio of 1.53 for Q4 2025, up 3.67% year-over-year from 1.48 in Q4 2024, and up 2.86% on a QoQ basis from 1.49 in Q3 2025.
United Bancorp (UBCP) has 16 years of Interest Coverage Ratio data on file, last reported at 1.53 in Q4 2025.
- Quarterly Interest Coverage Ratio rose 3.67% year-over-year to 1.53 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 1.51 (up 0.98% YoY) and the FY2025 annual result came in at 0.11, up 2.94% from the prior year.
- Interest Coverage Ratio advanced to 1.53 in Q4 2025 per UBCP's latest filing, from 1.49 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 6.69 in Q4 2021 and bottomed at 6.75 in Q3 2021.
- The 5-year median for Interest Coverage Ratio is 1.57 (2024), against an average of 1.34.
- The widest annual swing landed in 2021, when Interest Coverage Ratio tumbled 123.35%; it then soared 215.4% in 2022.
- Tracing UBCP's Interest Coverage Ratio over 5 years: stood at 6.69 in 2021, then sank by 57.58% to 2.84 in 2022, then sank by 36.26% to 1.81 in 2023, then retreated by 18.34% to 1.48 in 2024, then grew by 3.67% to 1.53 in 2025.
- Per Business Quant, the three latest UBCP Interest Coverage Ratio figures stand at 1.53 (Q4 2025), 1.49 (Q3 2025), and 1.51 (Q2 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | -3.29 |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 2.53 |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 2.21 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 1.32 |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | -36.40 |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 1.88 |
| 10 | United Bancorp | 80.02 Mn | -200.71 Mn | - | 1.53 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 1.53 |
| Sep 30, 2025 | 1.49 |
| Jun 30, 2025 | 1.51 |
| Mar 31, 2025 | 1.51 |
| Dec 31, 2024 | 1.48 |
| Sep 30, 2024 | 1.46 |
| Jun 30, 2024 | 1.44 |
| Mar 31, 2024 | 1.61 |
| Dec 31, 2023 | 1.81 |
| Sep 30, 2023 | 1.79 |
| Jun 30, 2023 | 1.83 |
| Mar 31, 2023 | 2.12 |
| Dec 31, 2022 | 2.84 |
| Sep 30, 2022 | 3.71 |
| Jun 30, 2022 | 6.43 |
| Mar 31, 2022 | 4.87 |
| Dec 31, 2021 | 6.69 |
| Sep 30, 2021 | -6.75 |
| Jun 30, 2021 | -5.58 |
| Mar 31, 2021 | -5.01 |
| Dec 31, 2020 | 5.34 |
| Sep 30, 2020 | -4.09 |
| Jun 30, 2020 | -2.76 |
| Mar 31, 2020 | -2.24 |
| Dec 31, 2019 | 2.08 |
| Sep 30, 2019 | -2.01 |
| Jun 30, 2019 | -2.39 |
| Mar 31, 2019 | -2.89 |
| Dec 31, 2018 | 1.64 |
| Sep 30, 2018 | -3.60 |
| Jun 30, 2018 | -4.44 |
| Mar 31, 2018 | 3.57 |
| Dec 31, 2017 | 4.40 |
| Sep 30, 2017 | -6.34 |
| Jun 30, 2017 | -6.32 |
| Mar 31, 2017 | 3.78 |
| Dec 31, 2016 | 4.03 |
| Sep 30, 2016 | 4.04 |
| Jun 30, 2016 | 3.97 |
| Mar 31, 2016 | 3.56 |
| Dec 31, 2015 | 3.27 |
| Sep 30, 2015 | 3.11 |
| Jun 30, 2015 | 2.95 |
| Mar 31, 2015 | 2.67 |
| Dec 31, 2014 | 2.64 |
| Sep 30, 2014 | 2.65 |
| Jun 30, 2014 | 2.55 |
| Mar 31, 2014 | 1.97 |
| Dec 31, 2013 | 2.26 |
| Sep 30, 2013 | 2.45 |
| Jun 30, 2013 | 1.69 |
| Mar 31, 2013 | 1.60 |
| Dec 31, 2012 | 1.65 |
| Sep 30, 2012 | 1.60 |
| Jun 30, 2012 | 1.97 |
| Mar 31, 2012 | 1.81 |
| Dec 30, 2011 | 1.31 |
| Sep 30, 2011 | 1.93 |
| Jun 30, 2011 | 1.75 |
| Mar 31, 2011 | 1.72 |
| Sep 30, 2010 | 1.45 |
| Jun 30, 2010 | 1.48 |