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STOCKS

United Bancorp (UBCP)

NASDAQ:UBCP

UBCP

United Bancorp

RESEARCH TOOLSreports

United Bancorp (UBCP) Ratios

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129 Followers

United Bancorp Ratios

UBCP's free cash flow for Q3 2025 was $0.00. For the 2025 fiscal year, UBCP's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.05	0.22	0.33	0.83	35.25
Quick Ratio	0.05	0.22	0.33	7.66	48.30
Cash Ratio	2.74	0.03	0.06	5.08	12.63
Solvency Ratio	<0.01	0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	3.10	0.01	0.01	1.43	1.25
Short-Term Operating Cash Flow Coverage	3.10	0.28	0.35	0.00	0.00
Net Current Asset Value	$ -800.14M	$ -610.04M	$ -541.03M	$ -692.75M	$ -421.10M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.16	0.16	0.03	0.03
Debt-to-Equity Ratio	0.04	2.08	2.02	0.40	0.33
Debt-to-Capital Ratio	0.04	0.68	0.67	0.28	0.25
Long-Term Debt-to-Capital Ratio	0.00	0.61	0.61	0.28	0.25
Financial Leverage Ratio	13.04	12.87	12.89	12.68	10.10
Debt Service Coverage Ratio	0.49	0.19	0.27	3.00	4.14
Interest Coverage Ratio	0.50	0.50	0.86	3.91	4.11
Debt to Market Cap	0.04	1.80	1.78	0.29	0.26
Interest Debt Per Share	2.57	26.52	25.38	4.92	4.79
Net Debt to EBITDA	-0.74	13.21	8.23	-0.59	-4.96
Profitability Margins
Gross Profit Margin	66.16%	65.85%	74.18%	100.00%	100.00%
EBIT Margin	16.28%	16.59%	23.20%	33.49%	-4.65%
EBITDA Margin	20.13%	19.38%	26.01%	37.58%	43.04%
Operating Profit Margin	16.28%	16.59%	23.20%	44.99%	38.40%
Pretax Profit Margin	16.28%	16.59%	23.20%	33.49%	38.40%
Net Profit Margin	16.48%	16.83%	21.88%	30.41%	33.97%
Continuous Operations Profit Margin	16.48%	16.83%	21.88%	30.41%	33.97%
Net Income Per EBT	101.25%	101.47%	94.30%	90.78%	88.48%
EBT Per EBIT	100.00%	100.00%	100.00%	74.45%	100.00%
Return on Assets (ROA)	0.65%	0.91%	1.09%	1.14%	1.30%
Return on Equity (ROE)	9.00%	11.66%	14.07%	14.49%	13.18%
Return on Capital Employed (ROCE)	0.64%	4.22%	5.54%	1.70%	1.49%
Return on Invested Capital (ROIC)	665.87%	3.59%	4.52%	5.06%	2.45%
Return on Tangible Assets	0.65%	0.91%	1.09%	1.14%	1.31%
Earnings Yield	7.39%	10.28%	12.70%	10.73%	10.36%
Efficiency Ratios
Receivables Turnover	9.42	10.18	9.98	0.00	11.86
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	0.00	1.86	2.73	2.34	2.18
Asset Turnover	0.04	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.17	-0.09	-0.10	0.25	0.13
Cash Conversion Cycle	38.76	35.87	36.57	0.00	30.77
Days of Sales Outstanding	38.76	35.87	36.57	0.00	30.77
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	38.76	35.87	36.57	0.00	30.77
Cash Flow Ratios
Operating Cash Flow Per Share	1.66	1.53	1.72	1.55	1.50
Free Cash Flow Per Share	1.75	-0.23	1.53	1.45	1.35
CapEx Per Share	0.09	1.75	0.20	0.09	0.14
Free Cash Flow to Operating Cash Flow	1.06	-0.15	0.89	0.94	0.91
Dividend Paid and CapEx Coverage Ratio	1.53	0.57	1.61	1.67	1.68
Capital Expenditure Coverage Ratio	17.66	0.87	8.75	16.60	10.54
Operating Cash Flow Coverage Ratio	3.10	0.06	0.07	0.36	0.35
Operating Cash Flow to Sales Ratio	0.27	0.19	0.23	0.30	0.29
Free Cash Flow Yield	11.97%	-1.73%	11.89%	9.87%	8.13%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.53	9.73	7.88	9.32	9.66
Price-to-Sales (P/S) Ratio	2.35	1.64	1.72	2.83	3.28
Price-to-Book (P/B) Ratio	1.15	1.13	1.11	1.35	1.27
Price-to-Free Cash Flow (P/FCF) Ratio	8.35	-57.75	8.41	10.13	12.31
Price-to-Operating Cash Flow Ratio	8.38	8.52	7.45	9.52	11.14
Price-to-Earnings Growth (PEG) Ratio	4.30	-0.51	1.98	-1.37	0.56
Price-to-Fair Value	1.15	1.13	1.11	1.35	1.27
Enterprise Value Multiple	10.92	21.66	14.86	6.95	2.67
Enterprise Value	75.16M	184.62M	158.06M	74.36M	31.92M
EV to EBITDA	10.92	21.66	14.86	6.95	2.67
EV to Sales	2.20	4.20	3.86	2.61	1.15
EV to Free Cash Flow	7.82	-148.05	18.86	9.33	4.30
EV to Operating Cash Flow	8.26	21.85	16.70	8.77	3.90
Tangible Book Value Per Share	11.99	11.31	11.41	10.70	12.86
Shareholders’ Equity Per Share	12.12	11.46	11.58	10.89	13.09
Tax and Other Ratios
Effective Tax Rate	-0.01	-0.01	0.06	0.09	0.12
Revenue Per Share	6.23	7.94	7.45	5.19	5.08
Net Income Per Share	1.03	1.34	1.63	1.58	1.73
Tax Burden	1.01	1.01	0.94	0.91	0.88
Interest Burden	1.00	1.00	1.00	1.00	-8.26
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.27	0.25	0.28	0.39	0.38
Stock-Based Compensation to Revenue	0.01	0.02	0.02	0.04	0.01
Income Quality	1.20	1.14	1.06	0.98	0.87

Currency in USD