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United Bancorporation of Alabama (UBAB)
OTHER OTC:UBAB
US Market
UBAB
United Bancorporation of Alabama
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United Bancorporation of Alabama (UBAB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jul 17, 2026
After Close (Confirmed)
Period Ending
2026 (Q2)
Consensus EPS Forecast
―
Last Year’s EPS
1.36
Same Quarter Last Year
Analyst Consensus
―
Based on 0 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 31, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call reflects stable core banking operations with strong net interest margins and loan growth. However, a decline in net income, increased expenses, and challenges related to government programs and CDFI funding present significant headwinds.
Company Guidance
During United Bancorporation's Third Quarter 2025 earnings call, several key metrics were highlighted. The company reported a net income of $4.2 million and earnings per share (EPS) of $1.29 for Q3 2025, down from $5.1 million and $1.45 EPS for the same period last year. Year-to-date net income stood at $13.5 million with an EPS of $4.07, compared to $20 million and $5.63 for the previous year. The net interest margin remained robust at 4.59% year-to-date. Loan growth was reported at $46.5 million or 5.4% year-over-year, with Q3 growth at 1.4% or $12.3 million. The loan book saw a decrease in non-accruals by $1.2 million to $7.5 million, and charge-offs were recorded at $1 million. On the securities side, the book value was maintained at about $316 million with a yield of 3.64%. Deposits grew by 3.9% year-over-year, totaling about $42 million. The cash-to-asset ratio was 11.15%. Capital metrics included a tangible book value increase to $45.06, a return on assets (ROA) of 1.45%, and a return on tangible equity of 12.3%. Additionally, the company repurchased 56,000 shares during the quarter, totaling 163,000 year-to-date. The call also noted an expected impact on net interest income with potential interest rate decreases, with a 100-basis-point drop potentially reducing income by 5%.
Strong Net Interest Margin
The bank reported a net interest margin of 4.59% year-to-date, consistent with the previous year's 4.57%, indicating stability in interest income.
Loan Growth and Reduction in Non-Accruals
Year-over-year loan growth was 5.4%, with a decrease in non-accruals by $1.2 million to $7.5 million, showing improvement in loan performance.
Successful Core Conversion
The bank completed a core conversion with minimal disruptions, positioning it for future efficiencies and cost savings.
Deposit Growth
Year-over-year deposit growth was 3.9% or about $42 million, primarily in time deposits, supporting the bank's liquidity position.
Stock Repurchases
The bank repurchased 163,000 shares year-to-date, indicating a strong capital position and confidence in the bank's valuation.

United Bancorporation of Alabama (UBAB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
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UBAB Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jul 17, 2026
2026 (Q2)
- / -
1.36―――
Apr 24, 2026
2026 (Q1)
- / 1.80
1.4226.76% (+0.38)――
Jan 30, 2026
2025 (Q4)
1.29 / 1.15
2-42.50% (-0.85)――
Oct 31, 2025
2025 (Q3)
- / 1.29
1.57-17.64% (-0.28)――
Jul 31, 2025
2025 (Q2)
- / 1.36
2.26-39.82% (-0.90)――
Apr 25, 2025
2025 (Q1)
- / 1.42
1.75-18.86% (-0.33)――
Jan 31, 2025
2024 (Q4)
- / 2.00
2.95-32.20% (-0.95)――
Oct 25, 2024
2024 (Q3)
- / 1.57
1.99-21.11% (-0.42)――
Jul 26, 2024
2024 (Q2)
1.78 / 2.26
2.0211.88% (+0.24)――
Apr 26, 2024
2024 (Q1)
1.71 / 1.75
1.87-6.42% (-0.12)――
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

UBAB Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Apr 24, 2026
$51.88$51.75-0.24%
Jan 30, 2026
$52.63$52.00-1.19%
Oct 31, 2025
$53.40$53.10-0.56%
Jul 31, 2025
$55.47$55.46-0.02%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does United Bancorporation of Alabama (UBAB) report earnings?
United Bancorporation of Alabama (UBAB) is schdueled to report earning on Jul 17, 2026, After Close (Confirmed).
    What is United Bancorporation of Alabama (UBAB) earnings time?
    United Bancorporation of Alabama (UBAB) earnings time is at Jul 17, 2026, After Close (Confirmed).
      Where can I see when companies are reporting earnings?
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        What companies are reporting earnings today?
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          What is UBAB EPS forecast?
          Currently, no data Available