For the quarter ending 2025-09-30, UBCP had -$4,034K decrease in cash & cash equivalents over the period. -$367K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 1,931 | 3,786 |
| Depreciation and amortization | 302 | 576 |
| Amortization of intangible asset | 38 | 75 |
| Premium amortization on securities | 115 | 213 |
| Provision for credit loss expense | 488 | - |
| Gain on sale of loans | 118 | 225 |
| Provision for credit loss expense | - | 302 |
| (gain) loss on sale of available-for-sale securities | 0 | 144 |
| Expense related to share based compensation programs | 88 | 177 |
| Increase in value of bank-owned life insurance | 101 | 202 |
| Originations of loans held for sale | 4,000 | 7,255 |
| Proceeds from sale of loans held for sale | 4,118 | 7,480 |
| Amortization of debt instrument costs | 15 | 30 |
| Loss on sale or write down of foreclosed assets | -37 | - |
| Net change in accrued interest receivable and other assets | -713 | 448 |
| Net change in accrued expenses and other liabilities | -159 | 480 |
| Net cash provided by operating activities | 3,165 | 4,845 |
| Purchase of available-for-sale securities | 20,608 | - |
| Sales of available-for-sale securities | 10 | 7,724 |
| Maturities of available-for-sale securities | 1,500 | 10 |
| Net change in loans | -4,289 | 9,723 |
| Purchase of federal home loan bank stock | 0 | 4 |
| Proceeds from sales of foreclosed and fixed assets | 57 | 50 |
| Purchases of premises and equipment, net | 3,532 | 3,975 |
| Net cash used in investing activities | -18,284 | -5,918 |
| Net change in deposits | 2,248 | 29,451 |
| Net change in securities sold under repurchase agreements | 9,914 | 5,106 |
| Repurchase of common stock | 0 | 129 |
| Finance lease principal payment | - | 40 |
| Cash dividends paid | 1,117 | 3,237 |
| Net cash provided by (used in) financing activities | 11,085 | 31,151 |
| Increase (decrease) in cash and cash equivalents | -4,034 | 30,078 |
| Cash and cash equivalents at beginning of period | 19,608 | - |
| Cash and cash equivalents at end of period | 45,652 | - |
UNITED BANCORP INC OH (UBCP)
UNITED BANCORP INC OH (UBCP)