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% quarter-over-quarter from 1.49 in Q3 2025.
United Bancorp (UBCP) Interest Coverage Ratio (2010 - 2025) Analysis & Trends
United Bancorp (UBCP) has 16 years of Interest Coverage Ratio data on file, last reported at 1.53 in Q4 2025.
- Interest Coverage Ratio for Q4 2025 came in at 1.53, up 3.67% year-over-year; the trailing twelve-month figure through Dec 2025 was 1.51 (up 0.98% YoY), and the FY2025 annual result was 0.11, up 2.94% from the prior year.
- Interest Coverage Ratio grew to 1.53 in Q4 2025 per UBCP's latest filing, from 1.49 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 6.69 in Q4 2021 and troughed at 6.75 in Q3 2021.
- A 5-year average of 1.34 and a median of 1.57 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2021 and 2022: Interest Coverage Ratio sank 123.35% in 2021, then surged 215.4% in 2022.
- A 5-year view of Interest Coverage Ratio shows it stood at 6.69 in 2021, then tumbled by 57.58% to 2.84 in 2022, then tumbled by 36.26% to 1.81 in 2023, then slipped by 18.34% to 1.48 in 2024, then rose by 3.67% to 1.53 in 2025.
- Business Quant data shows UBCP's Interest Coverage Ratio at 1.53 in Q4 2025, 1.49 in Q3 2025, and 1.51 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | -1.52 |
| 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 | - | 2.53 |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 2.21 |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | - |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | 0.04 |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | - |
| 10 | United Bancorp | 83.42 Mn | -197.31 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 |