United Bancorp Balance Sheet - Annual (NASDAQ:UBCP)

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$12.65 $0.15 (1.17%) UBCP stock closing price Jan 18, 2017 (Closing)

The financial analysis of a company like United Bancorp involves checking the three financial statements of the company in detail, of which the balance sheet is one. All three financial statements should be used to measure the financial performance of the company, and should form a part of the United Bancorp stock analysis. A company releases its balance sheet every quarter along with its quarterly results. The United Bancorp balance sheet for 2015 shows cash on hand of $12.7M. The cash has decreased by $26.46M. United Bancorp revenue was $19.88M and United Bancorp operating cash flow was $4.27M. View latest and last 10 year balance sheet data to check United Bancorp financial performance..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash12.7M39.16M23.47M75.1M15.68M10.93M31.27M31.46M12.32M14.55M
Marketable Securities-----2.56M17.57M---
Receivables328.02M314.18M307.63M294.85M282.93M277.47M257.55M238.48M235.34M231.75M
Inventory--------0.52M0.79M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets-------1.4M--
United Bancorp Total Current Assets
340.73M353.34M331.1M369.95M298.61M290.97M306.4M271.36M248.19M247.09M
Property Plant & Equipment29.04M27.79M27.48M26.18M24.65M-----
Accumulated Depreciation18.6M17.72M16.76M15.8M14.84M-----
United Bancorp Net Property Plant & Equipment
10.44M10.07M10.72M10.38M9.8M9.27M8.68M8.46M7.07M7.26M
Investment & Advances38.83M24M32.32M42.43M91.25M107.29M115.67M149.91M186.09M156.23M
Other Non-Current Assets-----1.91M1.37M---
Deferred Charges0.52M0.49M0.74M0.88M0.9M0.8M0.33M0.53M0.18M-
Intangibles-0.06M0.18M0.3M0.42M0.54M0.65M0.77M--
Deposits & Other Assets14.59M13.82M13.95M14.38M14.55M12.62M12.84M10.75M9.83M11.06M
United Bancorp Total Assets
405.12M401.81M389.04M438.35M415.56M423.43M445.97M441.8M451.37M421.65M
Notes Payable5.69M5.09M5.74M10.68M9.96M11.84M10.27M7.8M19.6M6.21M
Accounts Payable323.62M322.68M310.64M350.41M328.54M325.44M344.54M347.04M330.48M330M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses-----3.11M2.81M5.3M1.46M1.82M
Income Taxes Payable----------
Other Current Liabilities--------3M2.88M
United Bancorp Total Current Liabilities
329.31M327.77M316.38M361.09M338.5M340.4M357.63M360.15M354.55M340.93M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt30.65M30.84M30.99M36.43M36.95M47.45M53.12M47.74M62.92M48.13M
Non-Current Capital Leases----------
Other Long-Term Liabilities3.66M2.8M2.79M4.19M3.92M-----
United Bancorp Total Liabilities
363.62M361.42M350.17M401.72M379.38M387.85M410.75M407.9M417.48M389.07M
Minority Interest----------
Preferred Stock----------
Common Stock Net5.38M5.38M5.37M5.37M5.36M5.37M5.37M5.19M5.17M5.13M
Capital Surplus18.24M18.04M17.75M17.42M17.39M20.13M22.83M25.65M28.04M27.54M
Retained Earnings21.44M20.47M19.6M18.54M18.39M15.3M12.76M9.85M7.11M6.96M
Treasury Stock0.04M0.06M0.1M0.03M0.11M0.55M1.25M1.68M1.97M0.86M
Other Liabilities-3.53M-3.45M-3.75M-4.68M-4.85M-4.67M-4.49M-5.11M-4.48M-6.19M
United Bancorp Shareholders Equity
41.49M40.39M38.87M36.62M36.18M35.58M35.21M33.9M33.88M32.58M
United Bancorp Total Liabilities & Shareholders Equity
405.12M401.81M389.04M438.35M415.56M423.43M445.97M441.8M451.37M421.65M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Looking at United Bancorp historical stock prices and the current United Bancorp stock price can tell you how the stock price has moved, whereas the United Bancorp PE ratio chart shows if its shares are overpriced in comparison to peers. The important things to look for in a balance sheet are:
  • Assets: UBCP total assets, which was at $405.12M for 2015 is a balance sheet item representing value of what United Bancorp owns. Assets are brought to aid a firms operations, or to increase its economic value. It must be noted that tech stocks may not have a lot of assets, as the value for these companies is often derived from future earning potential.
  • Liabilities: The total liabilities of United Bancorp for 2015 total to $363.62M. Liabilities for a company like United Bancorp include bank loans, services which have been availed for which a settlement in the form of cash/ asset transfer needs to be done in future etc. A firm takes on such obligations to grow its business which in turn will generate future economic benefits for its business.
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United Bancorp Balance Sheet - Key Ratios

Current ratio
1.06
Debt to Equity ratio
1.02
Asset Turnover
ratio
0.05
receivables turnover
ratio
0.06
PB ratio (
price to book ratio
)
1.4870