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United Bancorp Of AlabamaUBAB +0.33%77 Debt-to-Equity is 0.11 as of Mar. 2026, which is 35% below its 10-year median of 0.17. GuruFocus rates UBAB with a GF Score™ of 77/100 and a GF Value™ of $53.70 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,422 Banks companies, United Bancorp Of Alabama ranks better than 87.2% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for United Bancorp Of Alabama's Debt-to-Equity or its related term are showing as below:
UBAB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.17 Max: 0.34
Current: 0.11
During the past 13 years, the highest Debt-to-Equity Ratio of United Bancorp Of Alabama was 0.34. The lowest was 0.08. And the median was 0.17.
UBAB's Debt-to-Equity is ranked better than 87.2% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs UBAB: 0.11
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
United Bancorp Of Alabama Debt-to-Equity Related Terms
United Bancorp Of Alabama Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UBAB vs FINW, EBMT, BMBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, United Bancorp Of Alabama's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bancorp Of Alabama Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bancorp Of Alabama (UBAB) has a Debt-to-Equity of 0.11 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Bancorp Of Alabama and its competitors. This is 35% below median its historical median of 0.17. Over the past decade, United Bancorp Of Alabama's Debt-to-Equity has ranged from 0.08 to 0.34. According to the industry distribution chart, United Bancorp Of Alabama ranks #182 out of 1422 companies in the Banks industry, placing it in the top 12.8%.
Is United Bancorp Of Alabama's Debt-to-Equity too high?
United Bancorp Of Alabama's current Debt-to-Equity of 0.11 is 35% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.34. The Banks industry median Debt-to-Equity is 0.58. United Bancorp Of Alabama's value of 0.11 is 80.9% below this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #182 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Bancorp Of Alabama has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp Of Alabama's Debt-to-Equity compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #182 out of 1422 companies for Debt-to-Equity. This places United Bancorp Of Alabama in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. United Bancorp Of Alabama's value of 0.11 is 80.9% below this benchmark. Historically, United Bancorp Of Alabama's own Debt-to-Equity has ranged from 0.08 to 0.34 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.58, United Bancorp Of Alabama has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp Of Alabama's current Debt-to-Equity of 0.11 is 80.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current Debt-to-Equity is 0.11, which is 35% below median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bancorp Of Alabama stock overvalued right now?
Based on GuruFocus' analysis, United Bancorp Of Alabama (UBAB) is currently considered Modestly Overvalued. The stock's GF Value™ is $53.70, compared to a current price of $60.05 — trading 11.8% above its estimated fair value. The current Debt-to-Equity is 0.11, which is 35% below median its 10-year median of 0.17 and 80.9% below the Banks industry median of 0.58. United Bancorp Of Alabama's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current Debt-to-Equity is 0.11 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bancorp Of Alabama (UBAB) Overvalued in 2026?
Based on GuruFocus' analysis, United Bancorp Of Alabama stock appears to be overvalued.
The current stock price of $60.05 is trading 11.8% above its estimated GF Value™ of $53.70.
GuruFocus considers United Bancorp Of Alabama to be Modestly Overvalued.
Key valuation signals for UBAB:
Debt-to-Equity: 0.11 (35% below median its 10-year median of 0.17)
GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
Industry Position: 80.9% below the Banks median (#182 of 1422)
No single metric tells the full story. See the UBAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
77GF Score
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