United Bancorporation of Alabama, Inc. (UBAB)

OTCMKTS · Delayed Price · Currency is USD

62.21

-0.19 (-0.30%)

Nov 13, 2026, 10:01 AM EST

UBAB Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	74.24	69.69	79.05	78.69	56	53.75
Revenue Growth	-2.24%	-11.84%	0.45%	40.50%	4.20%	35.41%
Net Income	19.66	17.2	26.95	31.54	18.68	18.53
Earnings Per Share	6.36	5.23	7.65	8.81	5.11	4.87
EPS Growth	4.27%	-31.66%	-13.16%	72.38%	4.98%	51.16%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	108.05	187.89	182.97	236.41	280.68	120.18
Total Debt	27.69	30.28	33.97	40.79	18.94	23.51
Net Cash (Debt)	80.36	157.61	149	195.61	261.74	96.67
Net Cash Growth	-37.48%	5.78%	-23.83%	-25.26%	170.75%	-60.16%
Net Cash Per Share	26.02	47.91	42.29	54.63	71.62	25.39

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	30.53	39.83	39.08	24.32	26.17
Capital Expenditures	-	-1.09	-5.11	-0.39	-1.83	-0.52
Free Cash Flow	-	29.44	34.72	38.69	22.49	25.65
Free Cash Flow Growth	-	-15.20%	-10.26%	72.02%	-12.32%	271.36%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	26.48%	24.68%	34.10%	40.08%	33.36%	34.48%
FCF Margin	-	42.25%	43.93%	49.17%	40.16%	47.73%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 13, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.420	1.400	1.100	0.600	0.400	0.280
Dividend Per Share Growth	8.46%	27.27%	83.33%	50.00%	42.86%	40.00%
Dividend Yield	2.28%	2.63%	1.93%	1.45%	1.14%	0.93%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 13, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.77	9.46	7.13	4.65	6.77	6.03
Forward PE	-	10.15	6.85	5.92	8.84	8.82
P/FCF Ratio	-	5.53	5.53	3.79	5.62	4.35
PS Ratio	2.57	2.34	2.43	1.86	2.26	2.08