UB Bancorp UBNC OTC

UB Bancorp (UBNC) generated $13.93M in operating cash flow for fiscal year 2021. After capital expenditures of $334.35K, free cash flow was $13.59M.

Free cash flow margin was 37.1% of revenue. Cash conversion ratio was 1.07x, indicating earnings are backed by cash.

The company returned $1.22M in dividends and $2.16M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (67/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (46/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (100/100) — Cash conversion ratio was 1.07x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 80/100 with 4/7 criteria passed.