United Bancorporation of Alabama (UBAB)
OTHER OTC:UBAB
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Total Valuation
United Bancorporation of Alabama has a market cap or net worth of $193.21M. The enterprise value is $76.61M.
Market Cap$193.21M
Enterprise Value$76.61M
Share Statistics
United Bancorporation of Alabama has 3,551,725 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding3,551,725
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
United Bancorporation of Alabama’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is -7.28%.
Return on Equity (ROE)0.07
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)-7.28%
Return on Capital Employed (ROCE)0.03
Revenue Per Employee507.51K
Profits Per Employee111.15K
Employee Count177
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Bancorporation of Alabama is 8.1. United Bancorporation of Alabama’s PEG ratio is -0.28.
PE Ratio8.1
PS Ratio1.95
PB Ratio0.65
Price to Fair Value0.65
Price to FCF5.94
Price to Operating Cash Flow0.00
PEG Ratio-0.28
Income Statement
In the last 12 months, United Bancorporation of Alabama had revenue of 89.83M and earned 19.67M in profits. Earnings per share was 5.23.
Revenue89.83M
Gross Profit69.69M
Operating Income24.71M
Pretax Income24.71M
Net Income19.67M
EBITDA24.71M
Earnings Per Share (EPS)5.23
Cash Flow
In the last 12 months, operating cash flow was 0.00 and capital expenditures 0.00, giving a free cash flow of 0.00 billion.
Operating Cash Flow0.00
Free Cash Flow0.00
Free Cash Flow per Share0.00
Dividends & Yields
United Bancorporation of Alabama pays an annual dividend of $0.7, resulting in a dividend yield of 2.42%
Dividend Per Share$0.7
Dividend Yield2.42%
Payout Ratio21.42%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.35
52-Week Price Change8.13%
50-Day Moving Average52.28
200-Day Moving Average53.14
Relative Strength Index (RSI)61.78
Average Volume (3m)1.60K
Important Dates
United Bancorporation of Alabama upcoming earnings date is Jul 17, 2026, After Close (Confirmed).
Last Earnings DateApr 24, 2026
Next Earnings DateJul 17, 2026
Ex-Dividend Date―
Financial Position
United Bancorporation of Alabama as a current ratio of 0.42, with Debt / Equity ratio of 10.93%
Current Ratio0.42
Quick Ratio0.42
Debt to Market Cap0.17
Net Debt to EBITDA1.23
Interest Coverage Ratio1.53
Taxes
In the past 12 months, United Bancorporation of Alabama has paid 5.04M in taxes.
Income Tax5.04M
Effective Tax Rate0.20
Enterprise Valuation
United Bancorporation of Alabama EV to EBITDA ratio is 8.31, with an EV/FCF ratio of 6.97.
EV to Sales2.29
EV to EBITDA8.31
EV to Free Cash Flow6.97
EV to Operating Cash Flow6.72
Balance Sheet
United Bancorporation of Alabama has $432.85M in cash and marketable securities with $33.34M in debt, giving a net cash position of $399.51M billion.
Cash & Marketable Securities$432.85M
Total Debt$33.34M
Net Cash$399.51M
Net Cash Per Share$112.48
Tangible Book Value Per Share$79.89
Margins
Gross margin is 59.20%, with operating margin of 27.51%, and net profit margin of 21.90%.
Gross Margin59.20%
Operating Margin27.51%
Pretax Margin27.51%
Net Profit Margin21.90%
EBITDA Margin27.51%
EBIT Margin27.51%
Analyst Forecast
The average price target for United Bancorporation of Alabama is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast-8.80%
EPS Growth Forecast-22.70%