United Bancorporation of Alabama AI Stock Analysis
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United Bancorporation of Alabama (UBAB) AI Stock Analysis
United Bancorporation of Alabama
(Other OTC:UBAB)
The overall score of 68 reflects a company with a strong financial foundation and attractive valuation, tempered by recent profitability headwinds and a mixed technical outlook. The primary strength is the combination of a conservative balance sheet and a low P/E ratio, which offers a margin of safety. The main risk is the two-year decline in net income and revenue, which investors should monitor. The technical picture is neutral-to-slightly-bullish but warrants caution due to an overbought signal.
United Bancorporation of Alabama (UBAB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $190.65M
- Dividend Yield
- 2.26%
- Average Volume (3M)
- 1,733
- Price to Earnings (P/E)
- 9.8
- Beta (1Y)
- 0.24
- Revenue Growth
- -4.68%
- EPS Growth
- 5.21%
- Country
- US
- Employees
- 177
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
United Bancorporation of Alabama Business Overview & Revenue Model
Company Description
United Bancorporation of Alabama, Inc. operates as the parent entity for United Bank, delivering a full spectrum of commercial banking solutions. The company provides a diverse range of deposit products, including checking, savings, certificates of d...
How the Company Makes Money
UBAB primarily makes money through its banking operations. The main earnings driver is net interest income: the bank collects interest and fees on loans and other interest-earning assets and pays interest on deposits and other funding sources, with t...
United Bancorporation of Alabama Earnings Call Summary
The call was strongly positive overall. Management reported substantial growth in net income and EPS, broad-based loan growth, improving credit metrics, continued deposit growth, stable expenses, stronger tangible book value, and meaningful shareholder returns. The principal challenges were higher funding costs and competitive deposit pricing, slightly lower earning-asset yields, reduced capital ratios related to shareholder returns, unfavorable M&A pricing, and uncertainty around ECIP disposition.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management said 2026 holding-company noninterest expense has a run rate of about $11.5 million and that the number has stabilized; based on the most likely rate scenario, it is probably recognizing an increase of about $1.5 million or maybe a 2.5% adjustment on a rolling 12-month basis. The bank expects to continue working on its real estate construction, real estate multifamily permanent loans, farmland, consumer installment loans, and New Markets strategies, with plans to be aggressive in growing consumer installment loans; it expects short term and medium term consulting-fee results to stay consistent and would love to grow them long term. Depending on what the Fed does, it will probably see some increase maybe on the deposit side on yields, while larger deposits from new market tax credit transactions may roll off over 12 to 24 months. Management hopes to pick up the pace of repurchases, has a buyback program in place for the foreseeable future, expects it will be a couple of years before it is eligible to do something with ECIP, and continues to pay the 2% dividend rate while focusing on hitting the quarterly lending targets.
United Bancorporation of Alabama Financial Statement Overview
Summary
Solid overall financial health with a robust balance sheet (Score 75) and strong cash flow (Score 70), offset by declining profitability and recent revenue contraction (Income Score 55). The company's low leverage and ample cash generation provide a stable foundation, but margin pressure is a concern.
Income Statement
55NeutralBalance Sheet
75PositiveCash Flow
70Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 92.09M | 89.83M | 92.60M | 84.45M | 59.02M | 55.18M |
| Gross Profit | 73.67M | 69.69M | 73.92M | 75.91M | 53.28M | 50.49M |
| EBITDA | 26.82M | 26.23M | 37.50M | 42.40M | 25.59M | 25.42M |
| Net Income | 21.68M | 19.67M | 28.00M | 31.54M | 18.68M | 18.53M |
Balance Sheet | ||||||
| Total Assets | 1.49B | 1.45B | 1.40B | 1.39B | 1.41B | 1.12B |
| Cash, Cash Equivalents and Short-Term Investments | 409.70M | 450.45M | 420.95M | 486.91M | 597.71M | 392.86M |
| Total Debt | 30.53M | 30.28M | 33.97M | 40.79M | 18.94M | 23.51M |
| Total Liabilities | 1.21B | 1.18B | 1.13B | 1.14B | 1.19B | 1.01B |
| Stockholders Equity | 276.95M | 269.73M | 265.71M | 248.64M | 212.61M | 109.71M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 29.44M | 34.72M | 38.69M | 22.49M | 25.65M |
| Operating Cash Flow | 0 | 30.53M | 39.83M | 39.08M | 24.32M | 26.17M |
| Investing Cash Flow | 0 | -44.90M | -72.17M | -19.56M | -162.75M | -165.58M |
| Financing Cash Flow | 0 | 19.29M | -21.10M | -63.80M | 298.93M | -3.29M |
United Bancorporation of Alabama Technical Analysis
Price Trends
Market Momentum
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 62.40 is above the 20-day moving average (MA) of 61.41, below the 50-day MA of 62.54, and above the 200-day MA of 56.27, indicating a neutral trend. The MACD of 0.17 indicates Negative momentum. The RSI at 59.68 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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
Overall Rating
FRAF79Outperform
EFSI76Outperform
FXNC71Outperform
OPBK70Outperform- UBAB68Neutral
INBK66Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FRAF | 79Outperform | $314.51M | 11.27 | 15.56% | 1.93% | 7.25% | 76.40% |
| EFSI | 76Outperform | $249.01M | 13.90 | 9.27% | 2.70% | 17.02% | 47.37% |
| FXNC | 71Outperform | $274.43M | 11.71 | 12.06% | 2.25% | 0.88% | 103.52% |
| OPBK | 70Outperform | $224.44M | 7.46 | 12.79% | 3.61% | 7.48% | 28.18% |
| UBAB | 68Neutral | $190.91M | 9.77 | 8.10% | 2.26% | -4.68% | 5.21% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| INBK | 66Neutral | $224.28M | 14.81 | 4.17% | 0.94% | 7.39% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| UBAB | United Bancorporation of Alabama, Inc. | 62.40 | 9.40 | 17.74% | |
| INBK | First Internet Bancorp | 25.40 | 7.54 | 42.19% | |
| OPBK | Op Bancorp | 14.96 | 2.23 | 17.49% | |
| FXNC | First National Corp | 30.27 | 6.71 | 28.49% | |
| FRAF | Franklin Financial Services | 69.78 | 22.11 | 46.37% | |
| EFSI | Eagle Financial Services | 46.00 | 11.00 | 31.41% |
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.
Date of analysis: Nov 07, 2026