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STOCKS

United Bancorp (UBCP)

:UBCP

UBCP

United Bancorp

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United Bancorp (UBCP) Ratios

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128 Followers

United Bancorp Ratios

UBCP's free cash flow for Q1 2025 was $0.67. For the 2025 fiscal year, UBCP's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.41	0.33	0.83	35.25	30.17
Quick Ratio	0.41	0.33	7.66	48.30	38.01
Cash Ratio	0.06	0.06	5.08	12.63	7.32
Solvency Ratio	0.01	0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	<0.01	0.01	1.43	1.25	1.33
Short-Term Operating Cash Flow Coverage	0.16	0.35	0.00	0.00	0.00
Net Current Asset Value	$ -500.13M	$ -541.03M	$ -692.75M	$ -421.10M	$ -412.51M
Leverage Ratios
Debt-to-Assets Ratio	0.17	0.16	0.03	0.03	0.03
Debt-to-Equity Ratio	2.29	2.02	0.40	0.33	0.35
Debt-to-Capital Ratio	0.70	0.67	0.28	0.25	0.26
Long-Term Debt-to-Capital Ratio	0.62	0.61	0.28	0.25	0.26
Financial Leverage Ratio	13.66	12.89	12.68	10.10	10.15
Debt Service Coverage Ratio	0.16	0.27	3.00	4.14	1.96
Interest Coverage Ratio	0.47	0.86	3.91	4.11	1.81
Debt to Market Cap	1.65	1.78	0.29	0.26	0.33
Interest Debt Per Share	27.82	25.38	4.92	4.79	5.19
Net Debt to EBITDA	12.47	8.23	-0.59	-4.96	-2.83
Profitability Margins
Gross Profit Margin	65.92%	74.18%	100.00%	100.00%	100.00%
EBIT Margin	15.68%	23.20%	33.49%	-4.65%	-4.38%
EBITDA Margin	18.50%	26.01%	37.58%	43.04%	33.17%
Operating Profit Margin	15.68%	23.20%	44.99%	38.40%	28.79%
Pretax Profit Margin	15.68%	23.20%	33.49%	38.40%	28.79%
Net Profit Margin	16.32%	21.88%	30.41%	33.97%	26.68%
Continuous Operations Profit Margin	16.32%	21.88%	30.41%	33.97%	26.68%
Net Income Per EBT	104.04%	94.30%	90.78%	88.48%	92.67%
EBT Per EBIT	100.00%	100.00%	74.45%	100.00%	100.00%
Return on Assets (ROA)	0.88%	1.09%	1.14%	1.30%	1.15%
Return on Equity (ROE)	11.63%	14.07%	14.49%	13.18%	11.64%
Return on Capital Employed (ROCE)	4.14%	5.54%	1.70%	1.49%	1.25%
Return on Invested Capital (ROIC)	3.52%	4.52%	5.06%	2.45%	2.10%
Return on Tangible Assets	0.88%	1.09%	1.14%	1.31%	1.15%
Earnings Yield	9.23%	12.70%	10.73%	10.36%	11.05%
Efficiency Ratios
Receivables Turnover	12.75	9.98	0.00	11.86	10.28
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.79	2.73	2.34	2.18	2.17
Asset Turnover	0.05	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.10	-0.10	0.25	0.13	0.15
Cash Conversion Cycle	28.62	36.57	0.00	30.77	35.52
Days of Sales Outstanding	28.62	36.57	0.00	30.77	35.52
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	28.62	36.57	0.00	30.77	35.52
Cash Flow Ratios
Operating Cash Flow Per Share	1.06	1.72	1.55	1.50	1.72
Free Cash Flow Per Share	-0.37	1.53	1.45	1.35	1.26
CapEx Per Share	1.44	0.20	0.09	0.14	0.46
Free Cash Flow to Operating Cash Flow	-0.35	0.89	0.94	0.91	0.73
Dividend Paid and CapEx Coverage Ratio	0.44	1.61	1.67	1.68	1.59
Capital Expenditure Coverage Ratio	0.74	8.75	16.60	10.54	3.72
Operating Cash Flow Coverage Ratio	0.04	0.07	0.36	0.35	0.40
Operating Cash Flow to Sales Ratio	0.13	0.23	0.30	0.29	0.31
Free Cash Flow Yield	-2.50%	11.89%	9.87%	8.13%	9.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.84	7.88	9.32	9.66	9.05
Price-to-Sales (P/S) Ratio	1.85	1.72	2.83	3.28	2.41
Price-to-Book (P/B) Ratio	1.30	1.11	1.35	1.27	1.05
Price-to-Free Cash Flow (P/FCF) Ratio	-39.97	8.41	10.13	12.31	10.50
Price-to-Operating Cash Flow Ratio	13.38	7.45	9.52	11.14	7.68
Price-to-Earnings Growth (PEG) Ratio	-4.59	1.98	-1.37	0.56	0.57
Price-to-Fair Value	1.30	1.11	1.35	1.27	1.05
Enterprise Value Multiple	22.46	14.86	6.95	2.67	4.44
Enterprise Value	185.42M	158.06M	74.36M	31.92M	43.95M
EV to EBITDA	22.46	14.86	6.95	2.67	4.44
EV to Sales	4.16	3.86	2.61	1.15	1.47
EV to Free Cash Flow	-89.84	18.86	9.33	4.30	6.42
EV to Operating Cash Flow	31.44	16.70	8.77	3.90	4.69
Tangible Book Value Per Share	10.84	11.41	10.70	12.86	12.26
Shareholders’ Equity Per Share	10.98	11.58	10.89	13.09	12.52
Tax and Other Ratios
Effective Tax Rate	-0.04	0.06	0.09	0.12	0.07
Revenue Per Share	8.05	7.45	5.19	5.08	5.46
Net Income Per Share	1.31	1.63	1.58	1.73	1.46
Tax Burden	1.04	0.94	0.91	0.88	0.93
Interest Burden	1.00	1.00	1.00	-8.26	-6.57
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.27	0.28	0.39	0.38	0.34
Stock-Based Compensation to Revenue	<0.01	0.02	0.04	0.01	0.02
Income Quality	0.81	1.06	0.98	0.87	1.18

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