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UBAB Stock Chart & Stats
$61.25
$0.35(0.57%)
At close: 4:00 PM EDT
$61.25
$0.35(0.57%)
Day’s Range― - ―
52-Week Range$49.00 - $65.20
Previous CloseN/A
Volume100.00
Average Volume (3M)976.00
Market Cap
$230.51M
Enterprise Value$274.89
Total Cash (Recent Filing)$409.70M
Total Debt (Recent Filing)$30.53M
Price to Earnings (P/E)10.6
Beta0.29
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.16%
Share Statistics
EPS (TTM)6.15
Shares Outstanding3,551,725
10 Day Avg. Volume847
30 Day Avg. Volume976
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 Balance SheetA conservative leverage profile and meaningful equity growth since 2020 provide durable capital resilience. That structural strength supports lending capacity, loss absorption and strategic flexibility over the next several quarters, reducing risk of forced capital actions.
Reliable Cash ConversionHigh cash conversion (FCF near net income) indicates earnings are largely backed by cash, supporting consistent dividend funding, provisioning and reinvestment. Even with year-to-year volatility, this cash quality underpins durable earnings credibility and financial flexibility.
Long-term Revenue GrowthSustained revenue expansion since 2020 signals persistent customer demand and business scaling. While short-term dips occurred, the multi-year growth trend implies structural market position and revenue generation capacity that can support medium-term recovery and strategic initiatives.
Bears Say
Softening Revenue MomentumA decline in revenue and negative recent growth indicate weakening top-line momentum. Over the next 2–6 months this can limit loan growth, compress fee income and force tighter expense control, making it harder to restore prior growth trajectories without new initiatives.
Compressed Profitability / ROEEarnings and margin compression, alongside a lower ROE, signal reduced profitability power. Persisting lower returns on capital can constrain retained earnings accumulation, limit capital deployment and pressure long-term shareholder returns absent efficiency or revenue fixes.
Modest & Volatile Operating Cash FlowVolatile and modest operating cash flow relative to scale limits internal funding for growth and cushions against stress. Over several months this raises reliance on conservative capital buffers or external funding for expansion, increasing sensitivity to earnings or credit shocks.
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 $65.20 in the past 12 months.
What is United Bancorporation of Alabama’s market cap?
United Bancorporation of Alabama’s market cap is $230.51M.
When is United Bancorporation of Alabama’s upcoming earnings report date?
United Bancorporation of Alabama’s upcoming earnings report date is Oct 23, 2026 which is in 43 days.
How were United Bancorporation of Alabama’s earnings last quarter?
United Bancorporation of Alabama released its earnings results on Jul 17, 2026. The company reported $1.91 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.
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 2.16%. 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 $1.91 in its last earnings report. Following the earnings report the stock price went down -0.042%.
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
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
21.23%
12-Months-Change
Fundamentals
Return on Equity
2.16%
Trailing 12-Months
Asset Growth
4.41%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
Technical Analysis
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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