United Bancorporation of Alabama, Inc. (UBAB)
OTCMKTS · Delayed Price · Currency is USD
52.60
+0.10 (0.19%)
Jan 22, 2026, 10:07 AM EST

UBAB Statistics

Total Valuation

UBAB has a market cap or net worth of 160.83 million.

Market Cap160.83M
Enterprise Value n/a

Important Dates

The last earnings date was Thursday, January 15, 2026.

Earnings Date Jan 15, 2026
Ex-Dividend Date Dec 31, 2025

Share Statistics

UBAB has 3.06 million shares outstanding. The number of shares has decreased by -5.61% in one year.

Current Share Class 3.06M
Shares Outstanding 3.06M
Shares Change (YoY) -5.61%
Shares Change (QoQ) -2.79%
Owned by Insiders (%) n/a
Owned by Institutions (%) 10.28%
Float n/a

Valuation Ratios

The trailing PE ratio is 8.60 and the forward PE ratio is 10.02.

PE Ratio 8.60
Forward PE 10.02
PS Ratio 2.12
PB Ratio 0.58
P/TBV Ratio 1.10
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 8.36%.

Return on Equity (ROE) 8.36%
Return on Assets (ROA) 1.63%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee 429,059
Profits Per Employee 115,550
Employee Count 177
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, UBAB has paid 6.09 million in taxes.

Income Tax 6.09M
Effective Tax Rate 20.99%

Stock Price Statistics

The stock price has decreased by -9.66% in the last 52 weeks. The beta is 0.43, so UBAB's price volatility has been lower than the market average.

Beta (5Y) 0.43
52-Week Price Change -9.66%
50-Day Moving Average 53.32
200-Day Moving Average 53.25
Relative Strength Index (RSI) 41.90
Average Volume (20 Days) 3,160

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) 0.02

Income Statement

In the last 12 months, UBAB had revenue of 75.94 million and earned 20.45 million in profits. Earnings per share was 6.10.

Revenue75.94M
Gross Profit 75.94M
Operating Income 29.02M
Pretax Income 29.02M
Net Income 20.45M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) 6.10
Full Income Statement

Balance Sheet

The company has 159.11 million in cash and 30.58 million in debt, with a net cash position of 128.53 million or 41.96 per share.

Cash & Cash Equivalents 159.11M
Total Debt 30.58M
Net Cash 128.53M
Net Cash Per Share 41.96
Equity (Book Value) 276.43M
Book Value Per Share 47.20
Working Capital -948.55M
Full Balance Sheet

Cash Flow

Operating Cash Flow n/a
Capital Expenditures n/a
Free Cash Flow n/a
FCF Per Share n/a
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 38.21%
Pretax Margin 38.21%
Profit Margin 30.19%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of 1.40, which amounts to a dividend yield of 2.67%.

Dividend Per Share 1.40
Dividend Yield 2.67%
Dividend Growth (YoY) 27.27%
Years of Dividend Growth 9
Payout Ratio n/a
Buyback Yield 5.61%
Shareholder Yield 8.28%
Earnings Yield 12.72%
FCF Yield n/a
Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 18, 2012. It was a forward split with a ratio of 1.0087.

Last Split Date Jul 18, 2012
Split Type Forward
Split Ratio 1.0087

Scores

Altman Z-Score n/a
Piotroski F-Score 2