UBCP - NASDAQ
United Bancorp, Inc.
$15.90
+0.13%United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. It accepts demand, savings, and time deposits, as well as grants commercial, commercial and residential real estate, and consumer loans. As of December 31, 2021, the company operated through a network of banking offices in Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas Counties in Ohio, as well as Marshall and Ohio Counties in West Virginia and the surrounding localities; and a loan production office in Wheeling, West Virginia. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry, Ohio.
At a Glance
Live SnapshotUnited Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Very high capital intensity consumes most operating cash flow. Limited flexibility for dividends or debt reduction.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.
United Bancorp, Inc. Cash Flow Statement
UBCP • NASDAQ
| United Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
7.8M | 7.4M | 9M | 8.7M | 9.5M | 8M | 6.8M | 4.3M | 3.5M | 3.6M | 3.2M | 2.7M | 2.6M | 2.4M | 3.1M | 2.5M | 2.9M | 3.8M | 2.6M | 2.1M | |
0.0 | 1.2M | 1.1M | 1.2M | 1.3M | 1.3M | 1.2M | 1M | 924K | 831K | 1M | 1.1M | 1.1M | 1.1M | 1.1M | 980K | 1M | 696K | 973K | 1M | |
0.0 | -904K | 13K | 342K | 112K | -547K | 42K | 375K | 545K | 82K | -175K | 120K | -327K | -111K | -44K | -365K | -104K | -48K | -159K | 454K | |
0.0 | 884K | 658K | 1M | 414K | 594K | 565K | 567K | 443K | 378K | 360K | 354K | 363K | 408K | 403K | 220K | 79K | 0.0 | 0.0 | 0.0 | |
1.7M | 918K | 131K | -338K | -2.1M | 1.2M | 1.3M | 529K | 143K | 148K | 594K | 936K | 1.5M | 1.2M | 1.6M | 2.2M | 1.1M | 1.1M | 382K | 1.1M | |
(182K) | (102K) | (0.0) | (230K) | (710K) | (990K) | (25K) | (715K) | (1.6M) | (1.1M) | (1.2M) | (1.3M) | (613K) | (480K) | (985K) | (445K) | (557K) | (750K) | (0.0) | (0.0) | |
543K | -1.1M | -1.4M | -2.3M | -943K | -1.1M | -1.3M | -1M | -1M | -842K | -741K | -973K | 1.9M | 625K | 26K | 1.1M | -3.1M | 455K | -502K | -708K | |
10M | 8.4M | 9.5M | 8.5M | 8.2M | 9.4M | 8.6M | 5.8M | 4.6M | 4.2M | 4.3M | 4.2M | 7.2M | 5.6M | 6.2M | 6.6M | 1.9M | 6M | 3.3M | 3.9M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -9.7M | -1.1M | -511K | -777K | -2.5M | -1.3M | -785K | -782K | -2.3M | -1.3M | -309K | -1.3M | -1.5M | -1.5M | -1.4M | -1M | -1.2M | -308K | -248K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (23.5M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (38M) | (0.0) | (0.0) | |
(0.0) | -46.1M | -25.9M | -100M | -24.4M | -22.6M | -102.6M | -78.1M | -12.2M | -42M | -57M | -9.3M | -18M | -52M | -88.9M | -104.1M | -67.8M | -60.2M | -51.3M | -32.6M | |
0.0 | 44.5M | 2.3M | 6.2M | 33.5M | 61.7M | 45.3M | 23.9M | 7.2M | 36.6M | 42.1M | 17.7M | 27M | 100.6M | 106M | 112.1M | 102.4M | 94M | 24M | 26.5M | |
-4M | -8.1M | -23.8M | -8.9M | -9.6M | -2.9M | -37.1M | -31M | -12.3M | -27.3M | -13.7M | -6M | -14.7M | -13.2M | -5.1M | -7.9M | -38.6M | -5.3M | -3.6M | -935K | |
-4M | -19.5M | -48.5M | -103.3M | -1.2M | (33.7M) | -95.8M | -62.5M | -18M | -35M | -29.8M | (2.1M) | -7M | (33.9M) | (10.5M) | -1.4M | -5M | (65.4M) | -31.1M | -7.2M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-317K | -687K | -733K | -767K | -72K | -526K | -416K | 0.0 | 0.0 | 0.0 | 19K | 39K | -70K | -63K | 0.0 | 0.0 | -86K | 181K | -1.1M | 13K | |
-1.1M | -93K | 75M | 0.0 | 0.0 | -39.8M | 59.1M | -9.9M | -29.8M | 13.3M | 404K | -920K | -10.4M | 202K | -12.4M | -4.1M | 7.9M | -27.2M | 28.2M | -16.7M | |
-5.5M | -5.1M | -4.8M | -4.6M | -4.1M | -3.4M | -3.2M | -3.2M | -2.8M | -2.5M | -2.3M | -1.8M | -1.6M | -2.3M | -3M | -3M | -2.9M | -2.7M | -2.4M | -2.4M | |
-317K | -687K | -733K | -767K | -72K | -526K | -416K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -70K | -63K | (0.0) | (0.0) | -86K | -233K | -1.1M | (0.0) | |
27.9M | -4.3M | -19.8M | 47.2M | 28.6M | 37.3M | 21.5M | 80.9M | 48.9M | 18.9M | 941K | 12.1M | -39.8M | 22M | 3.4M | -18.5M | -2M | -22.6M | 999K | 23.1M | |
21M | -10.1M | 49.7M | 41.9M | 24.4M | -6.4M | 76.9M | 67.7M | 16.3M | 29.7M | -895K | 9.4M | -51.8M | 19.9M | -12M | -25.6M | 2.9M | -52.3M | 25.6M | 4M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
26.9M | -21.2M | 10.7M | -52.9M | 31.4M | 36.6M | -10.3M | 10.9M | 2.8M | -1.2M | -26.5M | 15.7M | -51.6M | 59.4M | 4.7M | -20.3M | -198K | 19.1M | -2.2M | 677K | |
19.6M | 40.8M | 30.1M | 83M | 51.6M | 15M | 25.3M | 14.3M | 11.5M | 12.7M | 39.2M | 23.5M | 75.1M | 15.7M | 10.9M | 31.3M | 31.5M | 12.3M | 14.6M | 13.9M | |
46.5M | 19.6M | 40.8M | 30.1M | 83M | 51.6M | 15M | 25.3M | 14.3M | 11.5M | 12.7M | 39.2M | 23.5M | 75.1M | 15.7M | 10.9M | 31.3M | 31.5M | 12.3M | 14.6M | |
-1.8M | -1.2M | 8.4M | 8M | 7.4M | 6.9M | 7.3M | 5M | 3.8M | 1.9M | 3M | 3.9M | 5.9M | 4.1M | 4.7M | 5.2M | 931K | 4.8M | 3M | 3.6M |
SEC Filings
UBCP - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 14, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | March 19, 2026 | December 31, 2025 | 2025 | |
DEF 14A DEF 14A 2026 N/A | March 18, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 18, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 20, 2026 | February 18, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 03, 2026 | February 03, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 20, 2025 | November 19, 2025 | 2025 |
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