OTCPK:UBAB (USA)
Â
Class A
$
65
+0.20 (+0.31%)
07:08 PM EST
Business Description
United Bancorp Of Alabama Inc
NAICS : 522110
SIC : 6022
ISIN : US90944R1005
Share Class Description:
UBAB: Class ATotal Employee Number:
177Description
United Bancorp Of Alabama Inc is a bank holding company that offers range of banking services in its primary market areas of Baldwin, Escambia, Monroe, Mobile and Jefferson Counties, Alabama, and Santa Rosa County, Florida. The company has the following loan segments: Real Estate, Agricultural and Commercial, Consumer, State and Political Subdivisions, and Other Loans.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 3.5 | |||||
Equity-to-Asset | 0.19 | |||||
Debt-to-Equity | 0.11 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 5/9 | |||||
Beneish M-Score | -2.42 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 12.5 | |||||
3-Year EPS without NRI Growth Rate | 0.8 | |||||
3-Year FCF Growth Rate | 13.3 | |||||
3-Year Book Growth Rate | 24.6 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 60.57 | |||||
9-Day RSI | 63.94 | |||||
14-Day RSI | 65.96 | |||||
3-1 Month Momentum % | 10.58 | |||||
6-1 Month Momentum % | 21.2 | |||||
12-1 Month Momentum % | 9.49 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.18 | |||||
Dividend Payout Ratio | 0.23 | |||||
3-Year Dividend Growth Rate | 51.8 | |||||
Forward Dividend Yield % | 2.19 | |||||
5-Year Yield-on-Cost % | 16.67 | |||||
3-Year Average Share Buyback Ratio | 5.3 | |||||
Shareholder Yield % | 3.87 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 28.72 | |||||
FCF Margin % | 39.01 | |||||
OCF Margin % | 40.45 | |||||
ROE % | 7.92 | |||||
ROA % | 1.5 | |||||
Years of Profitability over Past 10-Year | 9 | |||||
Moat Score | 2 | |||||
Tariff Resilience Score | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 10.57 | |||||
Forward PE Ratio | 11.21 | |||||
PE Ratio without NRI | 10.57 | |||||
Shiller PE Ratio | 13.1 | |||||
PEG Ratio | 0.77 | |||||
PS Ratio | 2.69 | |||||
PB Ratio | 1.3 | |||||
Price-to-Tangible-Book | 1.36 | |||||
Price-to-Free-Cash-Flow | 7.26 | |||||
Price-to-Operating-Cash-Flow | 7 | |||||
EV-to-EBIT | 8.93 | |||||
EV-to-EBITDA | 8.93 | |||||
EV-to-Revenue | 3.26 | |||||
EV-to-Forward-Revenue | 4.65 | |||||
EV-to-FCF | 8.35 | |||||
Price-to-GF-Value | 1.17 | |||||
Price-to-Projected-FCF | 0.37 | |||||
Price-to-DCF (Earnings Based) | 0.53 | |||||
Price-to-DCF (FCF Based) | 0.23 | |||||
Price-to-Median-PS-Value | 1.22 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.77 | |||||
Price-to-Graham-Number | 0.8 | |||||
Earnings Yield (Greenblatt) % | 11.2 | |||||
FCF Yield % | 14.83 | |||||
Forward Rate of Return (Yacktman) % | 24.99 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
United Bancorp Of Alabama Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 75.485 | ||
| EPS (TTM) ($) | 6.147 | ||
| Beta | 0.5143 | ||
| 3-Year Sharpe Ratio | 0.79 | ||
| 3-Year Sortino Ratio | 1.56 | ||
| Volatility % | 14.39 | ||
| 14-Day RSI | 65.96 | ||
| 14-Day ATR ($) | 0.635473 | ||
| 20-Day SMA ($) | 63.2135 | ||
| 12-1 Month Momentum % | 9.49 | ||
| 52-Week Range ($) | 49.01 - 66 | ||
| Shares Outstanding (Mil) | 3.06 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
United Bancorp Of Alabama Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
United Bancorp Of Alabama Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Fourth quarter earnings results for 2026 | 2027-01-29 | In 133 days | ||
| Third quarter earnings conference call for 2026 | 2026-11-06 06:00 | In 50 days | ||
| Third quarter earnings results for 2026 | 2026-10-30 | In 42 days | ||
| Second quarter earnings results for 2026 | 2026-08-05 | 60.65 (-0.53%) | ||
| USD 0.710000 Cash Dividend | 2026-06-30 | 55.40 (+0.00%) | ||
| General meeting for 2026 | 2026-05-06 15:00 | 53.00 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-30 | 51.95 (+0.39%) | ||
| Annual report for 2025 | 2026-03-31 | 49.61 (-0.78%) | ||
| Fourth quarter earnings results for 2025 | 2026-01-30 | 52.67 (+0.00%) | ||
| USD 0.700000 Cash Dividend | 2025-12-31 | 53.50 (-0.19%) |
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United Bancorp Of Alabama Inc Frequently Asked Questions
What is United Bancorp Of Alabama Inc(UBAB)'s stock price today?
The current price of UBAB is $65.00. The 52 week high of UBAB is $66.00 and 52 week low is $49.01.
When is next earnings date of United Bancorp Of Alabama Inc(UBAB)?
The next earnings date of United Bancorp Of Alabama Inc(UBAB) is 2026-10-30 Est..
Does United Bancorp Of Alabama Inc(UBAB) pay dividends? If so, how much?
The Dividend Yield %  of United Bancorp Of Alabama Inc(UBAB) is 2.18% (As of Today), Highest Dividend Payout Ratio of United Bancorp Of Alabama Inc(UBAB) was 0.27. The lowest was 0.04. And the median was 0.07. The  Forward Dividend Yield % of United Bancorp Of Alabama Inc(UBAB) is 2.19%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on OTCPK:UBAB
Merion Road Long Only
Bearish
2026 Q2
What the manager wrote
In my joint open letter to the Board of Directors of United Bancorporation of Alabama, I outlined several areas of concern, particularly regarding capital allocation and expense growth. I believe that addressing these issues is crucial for improving profitability and strengthening corporate governance. The letter has garnered attention from various news outlets, indicating the significance of these concerns in the market. My ongoing dialogue with management reflects my commitment to ensuring that the company returns excess capital to shareholders and enhances its operational efficiency.
Merion Road Capital
Bullish
2025 Q2
f6ee8c 25e0aa094ed44643984c49c1546bd891
Merion Investment Management LP
· 1 holdings
What the manager wrote
United Bancorp of Alabama has drifted somewhat lower, but credit issues appear to have troughed. Management continues to return capital to shareholders by increasing its dividend and share repurchase authorization. The company is expected to earn outsized ROEs given its advantageous capital structure, which supports our multi-year investment horizon.
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