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United Bancorporation of Alabama (UBAB) Price & Analysis

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UBAB Stock Chart & Stats

$61.25

$0.35(0.57%)

At close: Jul 24 4:00 PM EDT

$61.25

$0.35(0.57%)

Day’s Range― - ―

52-Week Range$49.00 - $66.00

Previous CloseN/A

Volume100.00

Average Volume (3M)1.47K

Market Cap

$189.69M

Enterprise Value$274.89M

Total Cash (Recent Filing)$409.70M

Total Debt (Recent Filing)$30.53M

Price to Earnings (P/E)10.1

Beta0.26

Next Earnings

Jan 21, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.27%

Share Statistics

EPS (TTM)6.15

Shares Outstanding3,059,460

10 Day Avg. Volume2,147

30 Day Avg. Volume1,467

Financial Highlights & Ratios

PEG Ratio-0.32

Price to Book (P/B)0.65

Price to Sales (P/S)1.95

P/FCF Ratio5.94

Enterprise Value/Market Cap1.45

Enterprise Value/Revenue2.98

Enterprise Value/Gross Profit3.73

Enterprise Value/Ebitda10.25

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)5.35

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Conservative CapitalizationLow and improving leverage, together with substantial equity growth, gives the bank a stronger capital cushion than a more aggressively funded peer. This supports resilience through credit or economic stress and preserves flexibility to continue lending and investing in the franchise.

Strong Earnings QualityCash generation that broadly follows reported net income indicates that earnings are converting into financial resources rather than relying primarily on accounting gains. That supports internal funding, capital retention, and the durability of the bank’s profits over the next several quarters.

Established Profitable FranchiseMaterial long-term revenue growth shows that the community banking franchise has expanded its earning base over time. Maintaining roughly 22% net margins in 2025 also demonstrates that the business remains profitable and capable of converting scale into meaningful earnings.

Bears Say

Recent Revenue ContractionThe recent revenue decline interrupts the company’s longer-term expansion and signals weaker near-term operating momentum. If this persists, a smaller income base could constrain organic capital generation and reduce the resources available for lending growth, technology, and shareholder returns.

Compressed Margins And EarningsProfitability remains solid, but the retreat from prior margin and earnings peaks indicates that the bank is no longer operating at its strongest recent level. Continued normalization could reduce earnings capacity and make future growth more dependent on revenue recovery or expense control.

Volatile And Modest Cash FlowAlthough free cash flow generally tracks net income, uneven annual cash generation and modest operating cash flow relative to the business scale weaken the consistency of internally generated funds. This can make capital planning and sustained investment less predictable across changing banking conditions.

United Bancorporation of Alabama News

United Bancorporation’s Earnings Call: Stability Amid Challenges

United Bancorporation of Alabama, Inc. (($UBAB)) has held its Q3 earnings call. Read on for the main highlights...

11M ago

UBAB

United Bancorp Alabama reports Q3 EPS $1.29 vs. $1.45 last year

Reports net interest margin of 4.6%. Published first on TheFly – the ultimate source for real-time, market-moving breaking...

1y ago

UBAB

UBAB FAQ

What was United Bancorporation of Alabama’s price range in the past 12 months?

United Bancorporation of Alabama lowest stock price was $49.00 and its highest was $66.00 in the past 12 months.

What is United Bancorporation of Alabama’s market cap?

United Bancorporation of Alabama’s market cap is $189.69M.

When is United Bancorporation of Alabama’s upcoming earnings report date?

United Bancorporation of Alabama’s upcoming earnings report date is Jan 21, 2027 which is in 81 days.

How were United Bancorporation of Alabama’s earnings last quarter?

United Bancorporation of Alabama released its earnings results on Oct 30, 2026. The company reported $1.53 earnings per share for the quarter.

Is United Bancorporation of Alabama overvalued?

According to Wall Street analysts United Bancorporation of Alabama’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does United Bancorporation of Alabama pay dividends?

United Bancorporation of Alabama pays a Semiannually dividend of $0.71 which represents an annual dividend yield of 2.27%. See more information on United Bancorporation of Alabama dividends here

What is United Bancorporation of Alabama’s EPS estimate?

United Bancorporation of Alabama’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does United Bancorporation of Alabama have?

United Bancorporation of Alabama has 3,059,460 shares outstanding.

What happened to United Bancorporation of Alabama’s price movement after its last earnings report?

United Bancorporation of Alabama reported an EPS of $1.53 in its last earnings report. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of United Bancorporation of Alabama?

Currently, no hedge funds are holding shares in UBAB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

United Bancorporation of Alabama Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

7.90%

Trailing 12-Months

Asset Growth

4.41%

Trailing 12-Months

Learn more about TipRanks Smart Score

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Company Description

United Bancorporation of Alabama

United Bancorporation of Alabama, Inc. operates as the parent entity for United Bank, delivering a full spectrum of commercial banking solutions. The company provides a diverse range of deposit products, including checking, savings, certificates of deposit, and individual retirement accounts. For businesses, it offers specialized programs, comprehensive business solutions, merchant services, and efficient cash management tools. Its lending portfolio encompasses personal loans, various business loans, lines of credit, and equipment financing. Additionally, the firm supports the agricultural community with real estate and agribusiness loans, alongside working lines of credit and overdraft services. Clients can also access conveniences such as debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further offerings include check cashing, check reordering, remote and mobile deposit options, secure personal storage compartments, web payment functionalities, and a suite of insurance, investment, and brokerage products, all complemented by robust online and mobile banking platforms. Founded in 1904, United Bancorporation of Alabama, Inc. is headquartered in Atmore, Alabama.