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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 - $61.50
Previous CloseN/A
Volume138.00
Average Volume (3M)1.60K
Market Cap
$218.43M
Enterprise Value$260.11
Total Cash (Recent Filing)$422.22M
Total Debt (Recent Filing)$29.93M
Price to Earnings (P/E)11.0
Beta0.36
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.29%
Share Statistics
EPS (TTM)5.60
Shares Outstanding3,551,725
10 Day Avg. Volume1,049
30 Day Avg. Volume1,603
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
Capitalization / Balance-sheet StrengthThe bank’s conservative leverage and meaningful equity growth since 2020 create a durable capital cushion and regulatory buffer. Strong capitalization supports lending capacity and loss absorption, enabling stable operations and strategic flexibility over the next several months.
Profitability And MarginsSustained net margins near 22% indicate the business retains good core profitability, generating recurring earnings from operations. This margin profile supports internal capital generation and dividend capacity, making earnings less reliant on volatile one-off items.
Cash Generation QualityFree cash flow closely tracking net income demonstrates earnings quality and cash conversion, supporting dividends, loan growth, and capital needs. Reliable cash conversion improves financial flexibility and resilience to shocks on a multi-month horizon.
Bears Say
Recent Revenue DeclineA revenue decline and negative recent growth indicate weakening top-line momentum, which can compress operating leverage and limit ability to restore prior profitability levels. Persistent revenue deterioration would strain earnings and strategic investments over several quarters.
Earnings Compression / ROE DeclineStepping down of ROE and earnings from prior peaks suggests the bank faces margin normalization or rising costs/credit pressure. Lower returns on capital reduce reinvestment capacity and make dividend growth or accelerated equity build less likely in the medium term.
Cash-flow Volatility And Modest Operating ScaleYear-to-year cash-flow volatility and only modest operating cash flow relative to business scale raise forecasting risk and limit buffers against shocks. This constrains discretionary spending and heightens sensitivity to credit or interest-rate shifts over the next several 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 $61.50 in the past 12 months.
What is United Bancorporation of Alabama’s market cap?
United Bancorporation of Alabama’s market cap is $218.43M.
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 89 days.
How were United Bancorporation of Alabama’s earnings last quarter?
Currently, no data Available
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 2.29%. 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?
Currently, no data Available
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
5.51%
12-Months-Change
Fundamentals
Return on Equity
2.29%
Trailing 12-Months
Asset Growth
3.65%
Trailing 12-Months
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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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