United Bancorp annual debt-to-equity ratio
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
United Bancorp Debt-to-Equity Ratio Growth & History (UBCP)
United Bancorp's debt-to-equity ratio was 0.04 for fiscal 2025.
View full United Bancorp company overviewUnited Bancorp annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.04 | −0.00 | −7.35% |
| 2024 | 2024-12-31 | 0.05 | 0.00 | +4.17% |
| 2023 | 2023-12-31 | 0.04 | 0.04 | — |
| 2022 | 2022-12-31 | 0.00 | −0.22 | — |
| 2021 | 2021-12-31 | 0.22 | 0.03 | +17.77% |
| 2020 | 2020-12-31 | 0.19 | 0.07 | +61.13% |
| 2019 | 2019-12-31 | 0.12 | −0.04 | −27.56% |
| 2018 | 2018-12-31 | 0.16 | −0.09 | −36.92% |
| 2017 | 2017-12-31 | 0.25 | 0.03 | +14.64% |
| 2016 | 2016-12-31 | 0.22 | 0.08 | +60.62% |
| 2015 | 2015-12-31 | 0.14 | 0.01 | +8.66% |
| 2014 | 2014-12-31 | 0.13 | −0.02 | −14.61% |
| 2013 | 2013-12-31 | 0.15 | −0.14 | −49.31% |
| 2012 | 2012-12-31 | 0.29 | 0.02 | +5.85% |
| 2011 | 2011-12-31 | 0.28 | −0.06 | −17.23% |
| 2010 | 2010-12-31 | 0.33 | — | — |
United Bancorp quarterly debt-to-equity ratio
Q4.10
Q2.11
Q3.11
Q4.11
Q1.12
Q2.12
Q3.12
Q4.12
Q1.13
Q2.13
Q3.13
Q4.13
Q1.14
Q2.14
Q3.14
Q4.14
Q1.15
Q2.15
Q3.15
Q4.15
Q1.16
Q2.16
Q3.16
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
Q1.19
Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.04 | −0.01 | −16.08% |
| Q1 2026 | 2026-03-31 | 0.04 | −0.00 | −7.96% |
| Q4 2025 | 2025-12-31 | 0.04 | −0.00 | −7.35% |
| Q3 2025 | 2025-09-30 | 0.04 | 0.00 | +1.53% |
| Q2 2025 | 2025-06-30 | 0.05 | 0.00 | +4.92% |
| Q1 2025 | 2025-03-31 | 0.05 | 0.00 | +7.60% |
| Q4 2024 | 2024-12-31 | 0.05 | 0.00 | +4.17% |
| Q3 2024 | 2024-09-30 | 0.04 | 0.04 | — |
| Q2 2024 | 2024-06-30 | 0.05 | 0.05 | — |
| Q1 2024 | 2024-03-31 | 0.04 | 0.04 | — |
| Q4 2023 | 2023-12-31 | 0.04 | 0.04 | — |
| Q3 2023 | 2023-09-30 | 0.00 | −0.53 | — |
| Q2 2023 | 2023-06-30 | 0.00 | −0.42 | — |
| Q1 2023 | 2023-03-31 | 0.00 | −0.36 | — |
| Q4 2022 | 2022-12-31 | 0.00 | −0.22 | — |
| Q3 2022 | 2022-09-30 | 0.53 | 0.27 | +102.72% |
| Q2 2022 | 2022-06-30 | 0.42 | 0.07 | +19.70% |
| Q1 2022 | 2022-03-31 | 0.36 | −0.05 | −12.60% |
| Q4 2021 | 2021-12-31 | 0.22 | 0.03 | +17.77% |
| Q3 2021 | 2021-09-30 | 0.26 | 0.01 | +2.21% |
| Q2 2021 | 2021-06-30 | 0.35 | 0.21 | +144.48% |
| Q1 2021 | 2021-03-31 | 0.41 | 0.18 | +75.79% |
| Q4 2020 | 2020-12-31 | 0.19 | 0.07 | +61.13% |
| Q3 2020 | 2020-09-30 | 0.26 | 0.09 | +54.84% |
| Q2 2020 | 2020-06-30 | 0.14 | 0.01 | +6.50% |
| Q1 2020 | 2020-03-31 | 0.23 | −0.02 | −7.27% |
| Q4 2019 | 2019-12-31 | 0.12 | −0.04 | −27.56% |
| Q3 2019 | 2019-09-30 | 0.16 | −0.18 | −51.70% |
| Q2 2019 | 2019-06-30 | 0.13 | −0.14 | −50.93% |
| Q1 2019 | 2019-03-31 | 0.25 | −0.10 | −29.00% |
| Q4 2018 | 2018-12-31 | 0.16 | −0.09 | −36.92% |
| Q3 2018 | 2018-09-30 | 0.34 | −0.03 | −6.97% |
| Q2 2018 | 2018-06-30 | 0.27 | −0.02 | −7.76% |
| Q1 2018 | 2018-03-31 | 0.35 | −0.01 | −2.51% |
| Q4 2017 | 2017-12-31 | 0.25 | 0.03 | +14.64% |
| Q3 2017 | 2017-09-30 | 0.37 | 0.05 | +15.80% |
| Q2 2017 | 2017-06-30 | 0.30 | 0.06 | +25.22% |
| Q1 2017 | 2017-03-31 | 0.36 | 0.07 | +24.49% |
| Q4 2016 | 2016-12-31 | 0.22 | 0.08 | +60.62% |
| Q3 2016 | 2016-09-30 | 0.32 | 0.07 | +28.58% |
| Q2 2016 | 2016-06-30 | 0.24 | 0.02 | +8.06% |
| Q1 2016 | 2016-03-31 | 0.29 | −0.01 | −2.50% |
| Q4 2015 | 2015-12-31 | 0.14 | 0.01 | +8.66% |
| Q3 2015 | 2015-09-30 | 0.25 | 0.02 | +8.31% |
| Q2 2015 | 2015-06-30 | 0.22 | 0.05 | +32.88% |
| Q1 2015 | 2015-03-31 | 0.30 | 0.05 | +21.52% |
| Q4 2014 | 2014-12-31 | 0.13 | −0.02 | −14.61% |
| Q3 2014 | 2014-09-30 | 0.23 | −0.06 | −19.79% |
| Q2 2014 | 2014-06-30 | 0.17 | −0.17 | −50.70% |
| Q1 2014 | 2014-03-31 | 0.24 | −0.17 | −40.62% |
| Q4 2013 | 2013-12-31 | 0.15 | −0.14 | −49.31% |
| Q3 2013 | 2013-09-30 | 0.28 | −0.09 | −24.41% |
| Q2 2013 | 2013-06-30 | 0.34 | 0.04 | +11.72% |
| Q1 2013 | 2013-03-31 | 0.41 | 0.05 | +12.59% |
| Q4 2012 | 2012-12-31 | 0.29 | 0.02 | +5.85% |
| Q3 2012 | 2012-09-30 | 0.38 | 0.01 | +2.95% |
| Q2 2012 | 2012-06-30 | 0.30 | −0.04 | −11.33% |
| Q1 2012 | 2012-03-31 | 0.37 | — | — |
| Q4 2011 | 2011-12-31 | 0.28 | −0.06 | −17.23% |
| Q3 2011 | 2011-09-30 | 0.36 | — | — |
| Q2 2011 | 2011-06-30 | 0.34 | — | — |
| Q4 2010 | 2010-12-31 | 0.33 | — | — |
United Bancorp debt-to-equity ratio trends
Over the last five fiscal years, United Bancorp's debt-to-equity ratio decreased from 0.19 to 0.04, a change of −0.14. The latest reported quarter, Q2 2026, shows 0.04.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review United Bancorp source filings ↗