United Bancorp (UBCP) Interest Coverage Ratio (2010 - 2026)
United Bancorp (UBCP) posted quarterly Interest Coverage Ratio of 1.53 for Q4 2025, up 3.67% year-over-year from 1.48 in Q4 2024, and up 1371.76% quarter-over-quarter from 0.1 in Q3 2025.
United Bancorp (UBCP) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
United Bancorp (UBCP) has reported Interest Coverage Ratio for 16 consecutive years, with 1.53 the latest figure, recorded in Q4 2025.
- In Q4 2025, Interest Coverage Ratio rose 3.67% year-over-year to 1.53; the TTM figure through Dec 2025 stood at 4.95 (up 0.99% YoY), while the FY2025 annual figure was 1.5, changed 0.49% from the prior year.
- Interest Coverage Ratio improved to 1.53 in Q4 2025 per UBCP's latest filing, from 0.1 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.
- Historically, Interest Coverage Ratio has averaged 1.07 across 5 years, with a median of 1.2 in 2023.
- Annual changes were most pronounced in 2021 — Interest Coverage Ratio plunged 126.13% — and 2022, when it surged 215.4%.
- United Bancorp's Interest Coverage Ratio stood at 6.69 in 2021, then plunged by 57.58% to 2.84 in 2022, then plunged by 36.26% to 1.81 in 2023, then dropped by 18.34% to 1.48 in 2024, then gained by 3.67% to 1.53 in 2025.
- Business Quant data shows UBCP's Interest Coverage Ratio at 1.53 in Q4 2025, 0.1 in Q3 2025, and 1.11 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.79 Bn | 84.59 Bn | - | - |
| 2 | Pnc Financial Services | 97.89 Bn | 97.89 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.36 Bn | 96.36 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.90 Bn | -144.19 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.14 Bn | -81.18 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.73 Bn | 57.04 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.87 Bn | 26.14 Bn | - | 1.90 |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | 1.58 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.34 |
| Dec 31, 2025 | 1.53 |
| Sep 30, 2025 | 0.10 |
| Jun 30, 2025 | 1.11 |
| Mar 31, 2025 | 1.12 |
| Dec 31, 2024 | 1.48 |
| Sep 30, 2024 | 1.18 |
| Jun 30, 2024 | 1.12 |
| Mar 31, 2024 | 1.20 |
| Dec 31, 2023 | 1.81 |
| Sep 30, 2023 | 1.12 |
| Jun 30, 2023 | 1.20 |
| Mar 31, 2023 | 1.20 |
| 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 |