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United Bancorporation of Alabama (UBAB)
OTHER OTC:UBAB
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United Bancorporation of Alabama
(OTC:UBAB)
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Rating:79Outperform
Price Target:
$63.00
â–²(14.13% Upside)
United Bancorporation of Alabama's strong financial performance, positive technical indicators, and attractive valuation contribute to a solid overall score. The main strengths are its revenue growth, stable balance sheet, and undervaluation, while operational efficiency and cash conversion remain areas for improvement.
United Bancorporation of Alabama (UBAB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$198.19M
Dividend Yield2.33%
Average Volume (3M)1.59K
Price to Earnings (P/E)8.8
Beta (1Y)0.42
Revenue Growth2.11%
EPS Growth-29.15%
CountryUS
Employees177
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.36
Shares Outstanding3,551,725
10 Day Avg. Volume764
30 Day Avg. Volume1,593
Financial Highlights & Ratios
PEG Ratio-0.54
Price to Book (P/B)0.76
Price to Sales (P/S)2.06
P/FCF Ratio5.78
Enterprise Value/Market Cap1.53
Enterprise Value/Revenue3.33
Enterprise Value/Gross Profit4.05
Enterprise Value/Ebitda10.05
Forecast
1Y Price Target
$63.00Price Target Upside14.13% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering0
United Bancorporation of Alabama Business Overview & Revenue Model
Company DescriptionUnited Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides commercial banking services. The company offers checking and savings accounts, certificates of deposit, individual retirement accounts, small business programs, business solutions, merchant services, and cash management services. It also provides various lending services, such as personal loans, business loans, lines of credit, and equipment loans; real estate loans for the agricultural community, agribusiness loans, and working lines of credit; and overdraft services. In addition, the company offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further, it provides check cashing, convenience, reorder checks, remote deposit, mobile check deposit, personal storage compartments, Web payment options, insurance products, investment and brokerage, and online and mobile banking services. United Bancorporation of Alabama, Inc. was founded in 1904 and is based in Atmore, Alabama.
How the Company Makes MoneyUnited Bancorporation of Alabama generates revenue primarily through the interest income earned on loans and investments, as well as non-interest income from various service fees. Key revenue streams include interest from personal and commercial loans, mortgages, and credit facilities, alongside fees from account maintenance, transaction services, and wealth management advisory services. The company may also engage in partnerships with local businesses and community organizations to enhance its service offerings and expand its customer base, contributing to its overall earnings.
United Bancorporation of Alabama Financial Statement Overview
Summary
United Bancorporation of Alabama shows strong revenue growth and profitability, supported by a stable balance sheet with low leverage. However, there are challenges in operational efficiency and cash conversion that need attention.Income Statement
United Bancorporation of Alabama has demonstrated strong revenue growth with a 15.08% increase in the latest year. The company maintains a healthy gross profit margin of 80.89% and a solid net profit margin of 28.66%. However, there is a noticeable decline in EBIT and EBITDA margins compared to the previous year, indicating potential pressure on operational efficiency.85
Very Positive
Balance Sheet
The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.13, suggesting prudent leverage management. Return on equity is moderate at 10.54%, indicating decent profitability. The equity ratio is strong, highlighting a solid capital structure. However, the slight decrease in ROE compared to previous years suggests room for improvement in generating returns.78
Positive
Cash Flow
The cash flow statement shows robust free cash flow growth, although the 'Infinity' value indicates a significant change from a low base. The operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. The free cash flow to net income ratio is strong at 87.18%, indicating efficient cash generation relative to profits.72
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 91.34M | 97.72M | 78.69M | 61.74M | 58.45M | 39.69M |
| Gross Profit | 75.09M | 73.92M | 78.69M | 56.00M | 53.75M | 38.15M |
| EBITDA | 30.27M | 37.50M | 42.33M | 25.59M | 25.42M | 16.69M |
| Net Income | 23.67M | 28.00M | 31.54M | 18.68M | 18.53M | 12.17M |
Balance Sheet | ||||||
| Total Assets | 1.42B | 1.40B | 1.39B | 1.41B | 1.12B | 988.71M |
| Cash, Cash Equivalents and Short-Term Investments | 432.85M | 420.95M | 486.91M | 597.71M | 392.86M | 407.74M |
| Total Debt | 33.34M | 33.97M | 40.79M | 18.94M | 23.51M | 20.22M |
| Total Liabilities | 1.15B | 1.13B | 1.14B | 1.19B | 1.01B | 891.86M |
| Stockholders Equity | 272.32M | 265.71M | 248.64M | 212.61M | 109.71M | 96.85M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 34.72M | 38.69M | 22.49M | 25.65M | 6.91M |
| Operating Cash Flow | 0.00 | 39.83M | 39.08M | 24.32M | 26.17M | 8.36M |
| Investing Cash Flow | 0.00 | -72.17M | -19.56M | -162.75M | -165.58M | -94.62M |
| Financing Cash Flow | 0.00 | -21.10M | -63.80M | 298.93M | -3.29M | 250.71M |
United Bancorporation of Alabama Technical Analysis
Neutral
55.20
Price Trends
55.51
Negative
53.92
Positive
53.58
Positive
Market Momentum
>-0.01
Positive
44.93
Neutral
37.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBAB, the sentiment is Neutral. The current price of 55.2 is below the 20-day moving average (MA) of 55.53, below the 50-day MA of 55.51, and above the 200-day MA of 53.58, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 44.93 is Neutral, neither overbought nor oversold. The STOCH value of 37.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UBAB.
United Bancorporation of Alabama Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $198.19M | 8.80 | 8.91% | 2.33% | 2.11% | -29.15% | |
69 Neutral | $193.49M | 16.65 | 5.44% | 3.40% | -1.51% | -26.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $194.41M | 8.81 | 10.74% | 3.68% | 11.05% | 8.18% | |
61 Neutral | $195.96M | 21.99 | 5.43% | 2.85% | 43.39% | -21.38% | |
61 Neutral | $199.70M | 13.66 | 9.88% | 2.90% | 15.18% | 5.13% | |
58 Neutral | $183.67M | 11.97 | 4.06% | 1.12% | 17.13% | -16.81% |
* Financial Sector Average
UBAB
United Bancorporation of Alabama
55.20
3.46
6.69%
INBK
First Internet Bancorp
21.40
-13.81
-39.22%
OPBK
OP Bancorp
13.36
0.69
5.45%
FXNC
First National
21.78
3.67
20.27%
FRAF
Franklin Financial Services
44.77
15.38
52.33%
EFSI
Eagle Financial Services
36.43
5.74
18.70%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.