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STOCKS

United Bancorporation of Alabama (UBAB)

OTHER OTC:UBAB

UBAB

United Bancorporation of Alabama

RESEARCH TOOLSreports

United Bancorporation of Alabama (UBAB) Ratios

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United Bancorporation of Alabama Ratios

UBAB's free cash flow for Q2 2025 was $0.78. For the 2025 fiscal year, UBAB's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.40	311.80	3.42K	2.54K	1.88K
Quick Ratio	0.40	311.80	5.04K	3.34K	3.09K
Cash Ratio	0.13	280.19	1.52K	725.66	1.20K
Solvency Ratio	0.02	0.03	0.02	0.02	0.02
Operating Cash Flow Ratio	0.00	49.58	137.68	166.74	38.08
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -708.96M	$ -895.58M	$ -590.66M	$ -613.13M	$ -479.95M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.03	0.01	0.02	0.02
Debt-to-Equity Ratio	0.12	0.16	0.09	0.21	0.21
Debt-to-Capital Ratio	0.11	0.14	0.08	0.18	0.17
Long-Term Debt-to-Capital Ratio	0.11	0.14	0.08	0.18	0.17
Financial Leverage Ratio	5.23	5.59	6.62	10.22	10.21
Debt Service Coverage Ratio	1.55	4.43	5.49	7.05	4.44
Interest Coverage Ratio	1.98	5.52	7.52	8.44	5.07
Debt to Market Cap	0.17	0.27	0.15	0.21	0.24
Interest Debt Per Share	14.51	13.47	6.19	6.92	6.15
Net Debt to EBITDA	-3.76	-4.25	-9.78	-3.56	-14.54
Profitability Margins
Gross Profit Margin	85.78%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	34.58%	52.83%	43.42%	45.74%	37.47%
EBITDA Margin	34.58%	54.59%	46.25%	48.56%	40.67%
Operating Profit Margin	34.58%	52.83%	50.08%	45.74%	37.47%
Pretax Profit Margin	34.58%	52.83%	43.42%	45.74%	37.47%
Net Profit Margin	27.03%	40.67%	33.77%	35.40%	29.66%
Continuous Operations Profit Margin	27.03%	40.67%	33.77%	35.40%	29.66%
Net Income Per EBT	78.19%	76.99%	77.78%	77.41%	79.16%
EBT Per EBIT	100.00%	99.99%	86.70%	100.00%	100.00%
Return on Assets (ROA)	1.66%	2.27%	1.33%	1.65%	1.23%
Return on Equity (ROE)	8.73%	12.69%	8.79%	16.89%	12.57%
Return on Capital Employed (ROCE)	9.63%	2.95%	1.97%	2.14%	1.56%
Return on Invested Capital (ROIC)	7.53%	2.27%	2.23%	2.60%	2.07%
Return on Tangible Assets	1.67%	2.28%	1.33%	1.66%	1.23%
Earnings Yield	12.66%	21.17%	14.52%	16.37%	14.47%
Efficiency Ratios
Receivables Turnover	9.18	9.38	0.00	0.00	0.00
Payables Turnover	8.55	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.22	5.60	3.26	3.15	2.60
Asset Turnover	0.06	0.06	0.04	0.05	0.04
Working Capital Turnover Ratio	-0.13	0.18	0.11	0.13	0.13
Cash Conversion Cycle	-2.92	38.91	0.00	0.00	0.00
Days of Sales Outstanding	39.75	38.91	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	42.67	0.00	0.00	0.00	0.00
Operating Cycle	39.75	38.91	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	10.91	6.65	6.87	2.21
Free Cash Flow Per Share	0.00	10.81	6.15	6.74	1.83
CapEx Per Share	0.00	0.11	0.50	0.14	0.38
Free Cash Flow to Operating Cash Flow	0.00	0.99	0.92	0.98	0.83
Dividend Paid and CapEx Coverage Ratio	0.00	11.70	7.87	16.95	3.34
Capital Expenditure Coverage Ratio	0.00	100.16	13.30	50.41	5.77
Operating Cash Flow Coverage Ratio	0.00	0.96	1.28	1.11	0.41
Operating Cash Flow to Sales Ratio	0.00	0.50	0.44	0.50	0.20
Free Cash Flow Yield	0.00%	25.97%	17.48%	22.65%	8.22%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.90	4.72	6.88	6.11	6.91
Price-to-Sales (P/S) Ratio	2.18	1.92	2.33	2.16	2.05
Price-to-Book (P/B) Ratio	0.69	0.60	0.61	1.03	0.87
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	3.85	5.72	4.41	12.17
Price-to-Operating Cash Flow Ratio	0.00	3.81	5.29	4.33	10.06
Price-to-Earnings Growth (PEG) Ratio	-0.64	0.07	1.40	0.12	0.55
Price-to-Fair Value	0.69	0.60	0.61	1.03	0.87
Enterprise Value Multiple	2.55	-0.73	-4.75	0.90	-9.50
Enterprise Value	77.23M	-31.10M	-121.52M	22.84M	-158.58M
EV to EBITDA	2.55	-0.73	-4.75	0.90	-9.50
EV to Sales	0.88	-0.40	-2.20	0.44	-3.86
EV to Free Cash Flow	0.00	-0.80	-5.40	0.89	-22.96
EV to Operating Cash Flow	0.00	-0.80	-5.00	0.87	-18.98
Tangible Book Value Per Share	79.21	67.47	56.23	26.94	25.63
Shareholders’ Equity Per Share	81.28	69.44	58.18	28.81	25.63
Tax and Other Ratios
Effective Tax Rate	0.22	0.23	0.22	0.23	0.21
Revenue Per Share	26.13	21.66	15.14	13.75	10.86
Net Income Per Share	7.06	8.81	5.11	4.87	3.22
Tax Burden	0.78	0.77	0.78	0.77	0.79
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.25	0.32	0.34	0.39
Stock-Based Compensation to Revenue	0.05	0.00	0.02	0.01	0.02
Income Quality	0.00	1.24	1.30	1.41	0.69

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