United Bancorporation of Alabama, Inc. (UBAB)

UBAB Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Apr 25, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	169	192	147	126	112	83
Market Cap Growth	31.01%	31.01%	15.95%	13.23%	34.50%	-20.26%
Last Close Price	49.99	57.00	40.73	33.96	28.17	20.99
PE Ratio	6.54	7.13	4.65	6.77	6.03	6.82
PS Ratio	2.13	2.43	1.86	2.26	2.08	2.09
PB Ratio	0.63	0.72	0.59	0.60	1.02	0.86
P/FCF Ratio	4.86	5.53	3.79	5.62	4.35	12.02
P/OCF Ratio	4.24	4.82	3.75	5.20	4.27	9.94
Debt / Equity Ratio	0.13	0.13	0.16	0.09	0.21	0.21
Debt / FCF Ratio	0.98	0.98	1.05	0.84	0.92	2.93
Return on Equity (ROE)	10.89%	10.89%	13.68%	11.59%	17.95%	13.54%
Return on Assets (ROA)	2.01%	2.01%	2.25%	1.48%	1.76%	1.42%
Earnings Yield	15.98%	14.57%	21.51%	14.77%	16.59%	14.66%
FCF Yield	20.58%	18.07%	26.38%	17.78%	22.97%	8.32%
Dividend Yield	2.40%	1.93%	1.47%	1.18%	0.99%	0.95%
Payout Ratio	14.56%	14.56%	9.35%	6.75%	4.51%	7.54%
Buyback Yield / Dilution	1.60%	1.60%	2.02%	4.02%	-0.76%	-10.51%
Total Shareholder Return	4.01%	3.54%	3.49%	5.20%	0.24%	-9.56%

Updated Feb 4, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.