United Bancorporation of Alabama (UBAB)
OTHER OTC:UBAB
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UBAB Stock Chart & Stats
$52.35
$0.00(0.00%)
At close: 4:00 PM EST
$52.35
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$49.00 - $57.30
Previous CloseN/A
Volume138.00
Average Volume (3M)1.60K
Market Cap
$193.21M
Enterprise Value$76.61M
Total Cash (Recent Filing)$432.85M
Total Debt (Recent Filing)$33.34M
Price to Earnings (P/E)8.1
Beta0.35
Next Earnings
Jul 17, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.42%
Share Statistics
EPS (TTM)6.35
Shares Outstanding3,551,725
10 Day Avg. Volume1,049
30 Day Avg. Volume1,603
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)0.65
Price to Sales (P/S)1.95
P/FCF Ratio5.94
Enterprise Value/Market Cap0.40
Enterprise Value/Revenue0.83
Enterprise Value/Gross Profit1.09
Enterprise Value/Ebitda2.53
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
CapitalizationConservative leverage and meaningful equity growth provide a durable capital cushion that supports lending capacity and loss absorption. This strengthens regulatory resilience and strategic optionality over 2-6 months, allowing management to sustain credit extension and pursue measured growth without immediate refinancing pressure.
Cash Generation QualityFree cash flow that closely follows net income signals high earnings quality and internal funding ability. Reliable cash conversion supports dividends, loan originations, and reinvestment without heavy external funding, improving long-term financial flexibility and reducing refinancing and liquidity risk for the coming quarters.
Long-term Revenue & MarginsSustained revenue growth since 2020 and healthy net margins around 22% indicate an established franchise with profitable core operations. This structural profitability supports internal capital formation and underwriting economics, increasing the likelihood of steady cash returns and resilience through normal cyclical swings.
Bears Say
Recent Revenue DeclineA meaningful revenue decline in the most recent year weakens top-line momentum and constrains capacity to absorb cost increases. Over a 2-6 month horizon this can reduce earnings power, limit discretionary investment, and heighten sensitivity to competitive or margin pressures if the decline persists or signals market share loss.
Earnings & Margin CompressionCompression from prior peak margins and earnings reduces return on capital and narrows buffers for stress periods. Persistently lower profitability can slow equity accumulation and constrain dividend growth or loan growth initiatives, making the bank more susceptible to funding cost increases or regulatory capital demands.
Cash Flow VolatilityYear-to-year volatility in operating and free cash flow undermines predictability for capital allocation and dividends. For a regional bank, uneven cash generation complicates provision planning and loan growth pacing, potentially forcing more conservative balance-sheet actions or reliance on external funding during weaker quarters.
United Bancorporation of Alabama News
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 $57.30 in the past 12 months.
What is United Bancorporation of Alabama’s market cap?
United Bancorporation of Alabama’s market cap is $193.21M.
When is United Bancorporation of Alabama’s upcoming earnings report date?
United Bancorporation of Alabama’s upcoming earnings report date is Jul 17, 2026 which is in 41 days.
How were United Bancorporation of Alabama’s earnings last quarter?
United Bancorporation of Alabama released its earnings results on Apr 24, 2026. The company reported $1.8 earnings per share for the quarter, beating the consensus estimate of N/A by $1.8.
Is United Bancorporation of Alabama overvalued?
According to Wall Street analysts United Bancorporation of Alabama’s price is currently Overvalued.
Does United Bancorporation of Alabama pay dividends?
United Bancorporation of Alabama pays a Semiannually dividend of $0.7 which represents an annual dividend yield of 2.42%. 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 3,551,725 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 $1.8 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.241%.
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
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8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.51%
12-Months-Change
Fundamentals
Return on Equity
7.47%
Trailing 12-Months
Asset Growth
3.65%
Trailing 12-Months
Company Description
United Bancorporation of Alabama
United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides commercial banking services. The company offers checking and savings accounts, certificates of deposit, individual retirement accounts, small business programs, business solutions, merchant services, and cash management services. It also provides various lending services, such as personal loans, business loans, lines of credit, and equipment loans; real estate loans for the agricultural community, agribusiness loans, and working lines of credit; and overdraft services. In addition, the company offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further, it provides check cashing, convenience, reorder checks, remote deposit, mobile check deposit, personal storage compartments, Web payment options, insurance products, investment and brokerage, and online and mobile banking services. United Bancorporation of Alabama, Inc. was founded in 1904 and is based in Atmore, Alabama.
Technical Analysis
First Internet Bancorp
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OP Bancorp
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First National
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Franklin Financial Services
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Eagle Financial Services
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Ownership Overview
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Insiders
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Mutual Funds
2.31% Other Institutional Investors
97.69% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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