United Bancorporation of Alabama, Inc. (UBAB)

UBAB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	41.01	162.8	182.97	236.41	280.68	120.18
Investment Securities	353.46	161.15	127.76	158.54	215.5	185.92
Mortgage-Backed Securities	-	164.04	142.22	114.04	123.9	107.13
Total Investments	353.46	325.19	269.98	272.57	339.4	293.05
Gross Loans	1,017	895.86	874.88	815.41	726.02	660.66
Allowance for Loan Losses	-13.2	-11.77	-12.38	-11.63	-12.1	-10.2
Net Loans	1,004	884.1	862.5	803.78	713.91	650.45
Property, Plant & Equipment	15.85	16.21	16.59	13.84	16.95	16.62
Goodwill	6.52	6.52	6.52	6.52	6.52	6.47
Other Intangible Assets	0.32	0.37	0.44	0.51	0.58	0.64
Loans Held for Sale	-	-	-	-	-	0.06
Accrued Interest Receivable	10.48	9.7	9.14	8.27	6.26	5.25
Other Real Estate Owned & Foreclosed	2.47	1.27	2.84	1.1	-	0.15
Other Long-Term Assets	50.95	44.39	48.52	45.81	42.14	27.18
Total Assets	1,485	1,452	1,401	1,390	1,407	1,121

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	7.19	10.37	6.87	7.37	4.98	3.41
Interest Bearing Deposits	693.72	568.61	542.14	520.79	557.42	521.14
Institutional Deposits	-	100.79	74.13	55.3	29.02	37.36
Non-Interest Bearing Deposits	482.46	467.53	473.85	513.76	582.6	424.24
Total Deposits	1,176	1,137	1,090	1,090	1,169	982.73
Accrued Interest Payable	1.43	1.46	1.12	0.79	0.18	0.16
Long-Term Debt	27.69	26.51	29.53	35.69	13.17	6.76
Federal Home Loan Bank Debt, Long-Term	-	3.77	4.44	5.1	5.77	6.44
Trust Preferred Securities	-	-	-	-	-	10.31
Pension & Post-Retirement Benefits	-	2.33	1.99	1.64	1.49	1.42
Other Long-Term Liabilities	0.68	0.68	0.91	0.91	-	-
Total Liabilities	1,213	1,182	1,135	1,141	1,195	1,011

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Non-Redeemable	123.75	123.75	123.75	123.75	123.75	-
Total Preferred Equity	123.75	123.75	123.75	123.75	123.75	-
Common Stock	0.03	0.03	0.03	0.04	0.04	0.04
Additional Paid-In Capital	17.54	16.88	22.55	30.11	34.84	34.14
Retained Earnings	160.38	147.11	145.3	122.16	96.56	79.33
Treasury Stock	-	-	-	-	-5.4	-0
Comprehensive Income & Other	-29.56	-18.03	-25.92	-27.42	-37.18	-3.79
Total Common Equity	148.4	145.98	141.96	124.89	88.86	109.71
Shareholders' Equity	272.15	269.73	265.71	248.64	212.61	109.71
Total Liabilities & Equity	1,485	1,452	1,401	1,390	1,407	1,121

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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
Filing Date Shares Outstanding	3.06	3.06	3.37	3.54	3.6	3.7
Total Common Shares Outstanding	3.06	3.06	3.37	3.54	3.6	3.7
Book Value Per Share	48.50	47.73	42.11	35.32	24.66	29.62
Tangible Book Value	141.56	139.09	135	117.86	81.76	102.59
Tangible Book Value Per Share	46.27	45.48	40.05	33.33	22.69	27.70

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 11, 2026

Data Sources Report a data error