United Bancorporation of Alabama (UBAB)
OTHER OTC:UBAB
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United Bancorporation of Alabama
(OTC:UBAB)
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Rating:70Neutral
Price Target:
$55.00
â–²(5.06% Upside)
Action:Downgraded
Date:04/07/26
The score is driven primarily by solid financial performance (strong capitalization and still-healthy profitability, though trending down versus 2023–2024) and supportive valuation (low P/E and a moderate dividend). This is offset by weaker technical momentum, with the stock trading below key moving averages and negative MACD.
Positive Factors
Capitalization
Conservative leverage and meaningful equity growth provide a durable capital cushion that supports lending capacity and loss absorption. This strengthens regulatory resilience and strategic optionality over 2-6 months, allowing management to sustain credit extension and pursue measured growth without immediate refinancing pressure.
Negative Factors
Recent Revenue Decline
A meaningful revenue decline in the most recent year weakens top-line momentum and constrains capacity to absorb cost increases. Over a 2-6 month horizon this can reduce earnings power, limit discretionary investment, and heighten sensitivity to competitive or margin pressures if the decline persists or signals market share loss.
Read all positive and negative factors
Positive Factors
Negative Factors
Capitalization
Conservative leverage and meaningful equity growth provide a durable capital cushion that supports lending capacity and loss absorption. This strengthens regulatory resilience and strategic optionality over 2-6 months, allowing management to sustain credit extension and pursue measured growth without immediate refinancing pressure.
Read all positive factors
United Bancorporation of Alabama (UBAB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$192.89M
Dividend Yield2.42%
Average Volume (3M)1.60K
Price to Earnings (P/E)8.2
Beta (1Y)0.35
Revenue Growth-8.80%
EPS Growth-22.70%
CountryUS
Employees177
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.35
Shares Outstanding3,551,725
10 Day Avg. Volume1,049
30 Day Avg. Volume1,603
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)0.65
Price to Sales (P/S)1.95
P/FCF Ratio5.94
Enterprise Value/Market Cap0.40
Enterprise Value/Revenue0.83
Enterprise Value/Gross Profit1.09
Enterprise Value/Ebitda2.53
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.35
Revenue Forecast (FY)N/A
United Bancorporation of Alabama Business Overview & Revenue Model
Company Description
United 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...
How the Company Makes Money
null...
United Bancorporation of Alabama Earnings Call Summary
Earnings Call Date:Oct 31, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jul 17, 2026
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.Positive Updates
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.
Negative Updates
Decrease in Net Income and EPS
Net income in Q3 2025 was $4.2 million (EPS of $1.29), down from $5.1 million (EPS of $1.45) in the same period last year. Year-to-date, net income was $13.5 million compared to $20 million the previous year.
Read all updates
Q3-2025 Updates
Positive
Negative
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.
Read all positive updates
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%.United Bancorporation of Alabama Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 91.99M | 89.83M | 92.60M | 84.45M | 59.02M | 55.18M |
| Gross Profit | 69.97M | 69.69M | 73.92M | 75.91M | 53.28M | 50.49M |
| EBITDA | 30.27M | 24.71M | 37.50M | 42.40M | 25.59M | 25.42M |
| Net Income | 23.67M | 19.67M | 28.00M | 31.54M | 18.68M | 18.53M |
Balance Sheet | ||||||
| Total Assets | 1.42B | 1.45B | 1.40B | 1.39B | 1.41B | 1.12B |
| Cash, Cash Equivalents and Short-Term Investments | 432.85M | 0.00 | 420.95M | 486.91M | 597.71M | 392.86M |
| Total Debt | 33.34M | 30.28M | 33.97M | 40.79M | 18.94M | 23.51M |
| Total Liabilities | 1.15B | 1.18B | 1.13B | 1.14B | 1.19B | 1.01B |
| Stockholders Equity | 272.32M | 269.73M | 265.71M | 248.64M | 212.61M | 109.71M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 29.44M | 34.72M | 38.69M | 22.49M | 25.65M |
| Operating Cash Flow | 0.00 | 30.53M | 39.83M | 39.08M | 24.32M | 26.17M |
| Investing Cash Flow | 0.00 | -44.90M | -72.17M | -19.56M | -162.75M | -165.58M |
| Financing Cash Flow | 0.00 | 19.29M | -21.10M | -63.80M | 298.93M | -3.29M |
United Bancorporation of Alabama Technical Analysis
Positive
52.35
Price Trends
52.28
Positive
51.84
Positive
53.14
Positive
Market Momentum
0.62
Negative
61.78
Neutral
74.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBAB, the sentiment is Positive. The current price of 52.35 is below the 20-day moving average (MA) of 53.57, above the 50-day MA of 52.28, and below the 200-day MA of 53.14, indicating a bullish trend. The MACD of 0.62 indicates Negative momentum. The RSI at 61.78 is Neutral, neither overbought nor oversold. The STOCH value of 74.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $260.60M | 11.03 | 14.13% | 2.51% | 13.96% | 104.63% | |
71 Outperform | $220.66M | 11.74 | 10.17% | 3.11% | 21.54% | 69.28% | |
70 Outperform | $209.12M | 7.69 | 12.20% | 3.32% | 7.88% | 29.20% | |
70 Neutral | $192.89M | 8.16 | 7.47% | 2.42% | -8.80% | -22.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $256.22M | 12.50 | 11.51% | 2.49% | 16.73% | 184.08% | |
58 Neutral | $211.29M | -6.41 | -9.19% | 1.07% | -7.72% | -258.34% |
* Financial Sector Average
UBAB
United Bancorporation of Alabama
54.41
4.09
8.13%
INBK
First Internet Bancorp
24.69
1.35
5.79%
OPBK
OP Bancorp
14.11
2.21
18.57%
FXNC
First National
29.06
9.86
51.39%
FRAF
Franklin Financial Services
58.73
23.43
66.40%
EFSI
Eagle Financial Services
41.01
11.48
38.89%
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.