United Bancorp, Inc. (UBCP)
NASDAQ: UBCP · Real-Time Price · USD
15.50
-0.18 (-1.15%)
Aug 4, 2026, 4:00 PM EDT - Market closed
United Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 7.79 | 7.75 | 7.4 | 8.95 | 8.66 | 9.45 |
Depreciation & Amortization | 1.43 | 1.35 | 1.23 | 1.15 | 1.16 | 1.29 |
Provision for Credit Losses | 0.42 | 0.67 | 0.3 | -0.45 | -0.96 | -1.26 |
Stock-Based Compensation | 0.28 | 0.36 | 0.88 | 0.66 | 1.01 | 0.41 |
Net Change in Loans Held-for-Sale | 0.32 | 0.5 | 0.48 | 0.03 | 0.04 | 0.27 |
Other Adjustments | -1.44 | -1.12 | -1.2 | 0.15 | 0.73 | -1.48 |
Changes in Accrued Interest and Accounts Receivable | 0.41 | 0.37 | -0.25 | -0.7 | -1.06 | 0.56 |
Changes in Other Operating Activities | 0.38 | 0.57 | -0.4 | -0.32 | -1.1 | -1.06 |
Operating Cash Flow | 9.66 | 10.46 | 8.45 | 9.46 | 8.48 | 8.19 |
Operating Cash Flow Growth | 68.38% | 23.77% | -10.73% | 11.58% | 3.53% | -12.57% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | -3.38 | -0.49 | -8.16 | -22.47 | -10.42 | -10.86 |
Net Change in Securities and Investments | 46.49 | 18.3 | -1.63 | -23.59 | -93.8 | 9.15 |
Capital Expenditures | -12.16 | -11.78 | -9.7 | -1.08 | -0.51 | -0.78 |
Sale of Property, Plant & Equipment | 0.04 | 0.12 | 0.06 | 0.14 | 0.27 | 1.07 |
Other Investing Activities | 0.45 | -10.67 | -0.05 | -1.48 | 1.21 | 0.21 |
Investing Cash Flow | -33.26 | -4.52 | -19.47 | -48.47 | -103.26 | -1.21 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Deposits | 42.58 | 27.87 | -7.97 | -28.45 | 44.78 | 25.6 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -1.97 | -1.09 | 3.71 | 8.68 | 2.41 | 3 |
Long-Term Debt Issued | -20 | - | - | 75 | - | - |
Long-Term Debt Repaid | 0.02 | -0 | - | - | - | - |
Net Long-Term Debt Issued (Repaid) | -19.98 | -0 | - | 75 | - | - |
Repurchase of Common Stock | -0.64 | -0.32 | -0.69 | -0.73 | -0.77 | -0.07 |
Net Common Stock Issued (Repurchased) | -0.64 | -0.32 | -0.69 | -0.73 | -0.77 | -0.07 |
Common Dividends Paid | -5.55 | -5.48 | -5.11 | -4.79 | -4.56 | -4.1 |
Financing Cash Flow | 14.44 | 20.98 | -10.15 | 49.7 | 41.86 | 24.42 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -9.16 | 26.92 | -21.16 | 10.69 | -52.92 | 31.41 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -2.51 | -1.32 | -1.25 | 8.38 | 7.97 | 7.42 |
Free Cash Flow Growth | - | - | - | 5.17% | 7.49% | 8.23% |
FCF Margin | -7.93% | -4.16% | -4.31% | 27.62% | 27.08% | 25.50% |
Free Cash Flow Per Share | -0.46 | -0.24 | -0.23 | 1.53 | 1.45 | 1.35 |