United Bancorp Cash Flow - Quarterly (NASDAQ:UBCP)

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$13.3 $0.6 (4.72%) UBCP stock closing price Dec 07, 2016 (Closing)

The financial analysis of UBCP requires an investor to check the cash flows for United Bancorp. Financials statements like the income statement and balance sheet show that the company has United Bancorp profits and United Bancorp debt, while the cash flow statement provides details of cash flow movments. United Bancorp cash flow analysis is possible because this statement breaks down how balance sheet accounts and income statement items affect cash and cash equivalents.  United Bancorp had cash and cash equivalents of $39.16M at the beginning of the quarter and $13.24M at quarter end for 2016-Q3.   United Bancorp had an inflow of $1.36M from operating activities, $4.38M inflow due to financing activities, and $2.28M spend due to investing activities for 2016-Q3. View details of United Bancorp cash flows for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
United Bancorp Net Income Cash Flow
2.67M1.75M0.84M3.22M2.35M1.49M0.69M2.65M1.91M1.2M
Depreciation Depletion Amortization Cash-Flow0.77M0.39M0.19M1.21M0.94M0.54M0.26M1.28M0.97M0.56M
Net Increase (Decrease) in Assets Liabilities-0.82M-0.81M-0.99M-0.74M-0.38M-0.38M-0.69M-0.97M-1.27M-1.27M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net0.26M0.2M0.08M0.58M0.67M0.41M0.19M1.21M0.92M0.77M
United Bancorp Net Cash from (used by) Operating Activities
2.89M1.53M0.12M4.27M3.59M2.07M0.46M4.18M2.54M1.26M
Increase (Decrease) in Prop Plant And Equipment-1.95M-1.4M-0.59M-1.31M-1.06M-0.92M-0.77M-0.3M-0.28M-0.19M
Acquisition Disposition of Subsidiaires----------
Increase (Decrease) in Investments2.82M2.82M5M-14.86M-11.05M-20.04M-17.69M8.44M2.24M2.57M
Other Cash Inflow (Outflow) from Investment Activities-20.97M-19.24M-5.89M-13.67M-9.88M1.37M3.26M-6.01M-2.35M-4.85M
United Bancorp Net Cash from (used by) Invesment Activities
-20.1M-17.82M-1.48M-29.84M-21.99M-19.58M-15.2M2.12M-0.39M-2.47M
Issuance (Purchase) of Equity Shares---0.01M---0.03M0.01M0.01M
Issuance (Repayment) of Debt Securities-6.12M-6.08M-0.04M--0.13M-0.08M-0.04M--0.21M-0.15M
Increase (Decrease) in Bank & Other Borrowings21.06M17.17M6.46M0.4M5.14M3.93M7.01M-0.92M3.38M0.83M
Payment of Dividends & Other Cash Distributions-1.67M-1.07M-0.53M-2.25M-1.45M-0.96M-0.48M-1.77M-1.29M-0.86M
Other Cash from (used by) Financing Activities4.49M3.35M1.01M0.94M0.51M0.76M8.32M12.04M9.83M8.91M
United Bancorp Net Cash from (used by) Financing Activities
17.75M13.37M6.89M-0.89M4.07M3.63M14.81M9.38M11.74M8.74M
Effect of Exchange Rate Changes on Cash----------
United Bancorp Net Change in Cash & Cash Equivalents
0.54M-2.91M5.54M-26.46M-14.32M-13.87M0.06M15.69M13.89M7.54M
Cash & Equivalents at Beginning of Year39.16M23.47M75.1M15.68M10.93M31.27M31.46M12.32M14.55M13.87M
Cash & Equivalents at Year End13.24M9.78M18.24M12.7M24.84M25.29M39.23M39.16M37.36M31.01M
All figures in USD. M: Millions of USD, B: Billions of USD.
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United Bancorp stock price history provides insight into historical stock price fluctuations, and United Bancorp stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • United Bancorp has cash of $13.24M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the United Bancorp stock price.
  • United Bancorp increased its cash from operating activities to $1.36M in 2016-Q3. Operating activities include production of goods or creating a product or providing a service, and collecting payment for the same from customers. The cash generated from these activities is refered to as cash flow from operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-20.1M for UBCP stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $17.75M for United Bancorp. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.
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Key Financial Ratios For United Bancorp Cash Flow

FCF margin
0.16