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United Bancorporation of Alabama (UBAB)
OTHER OTC:UBAB
Total Valuation
United Bancorporation of Alabama has a market cap or net worth of $196.06M. The enterprise value is $304.18M.
Market Cap$196.06M
Enterprise Value$304.18M
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 0.11 and return on invested capital (ROIC) is 9.05%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)9.05%
Return on Capital Employed (ROCE)0.12
Revenue Per Employee552.07K
Profits Per Employee158.21K
Employee Count177
Asset Turnover0.07
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Bancorporation of Alabama is 8.7. United Bancorporation of Alabama’s PEG ratio is -0.54.
PE Ratio8.7
PS Ratio2.06
PB Ratio0.76
Price to Fair Value0.76
Price to FCF5.78
Price to Operating Cash Flow0.00
PEG Ratio-0.54
Income Statement
In the last 12 months, United Bancorporation of Alabama had revenue of 97.72M and earned 28.00M in profits. Earnings per share was 7.65.
Revenue97.72M
Gross Profit73.92M
Operating Income36.09M
Pretax Income36.09M
Net Income28.00M
EBITDA37.50M
Earnings Per Share (EPS)7.65
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 2.36%
Dividend Per Share$0.7
Dividend Yield2.36%
Payout Ratio20.47%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.42
52-Week Price Change6.48%
50-Day Moving Average55.51
200-Day Moving Average53.57
Relative Strength Index (RSI)44.93
Average Volume (3m)1.65K
Important Dates
United Bancorporation of Alabama upcoming earnings date is Oct 24, 2025, After Close (Confirmed).
Last Earnings DateJul 18, 2025
Next Earnings DateOct 24, 2025
Ex-Dividend DateJun 30, 2025
Financial Position
United Bancorporation of Alabama as a current ratio of 0.39, with Debt / Equity ratio of 12.24%
Current Ratio0.39
Quick Ratio0.39
Debt to Market Cap0.17
Net Debt to EBITDA-3.27
Interest Coverage Ratio2.52
Taxes
In the past 12 months, United Bancorporation of Alabama has paid 8.09M in taxes.
Income Tax8.09M
Effective Tax Rate0.22
Enterprise Valuation
United Bancorporation of Alabama EV to EBITDA ratio is 2.09, with an EV/FCF ratio of 2.26.
EV to Sales0.80
EV to EBITDA2.09
EV to Free Cash Flow2.26
EV to Operating Cash Flow1.97
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$73.44
Margins
Gross margin is 85.78%, with operating margin of 36.94%, and net profit margin of 28.66%.
Gross Margin85.78%
Operating Margin36.94%
Pretax Margin36.94%
Net Profit Margin28.66%
EBITDA Margin38.37%
EBIT Margin36.94%
Analyst Forecast
The average price target for United Bancorporation of Alabama is $63.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$63.00
Price Target Upside14.13% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast2.11%
EPS Growth Forecast-29.15%