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United Bancorp Of AlabamaUBAB -0.02%78 Equity-to-Asset is 0.19 as of Jun. 2026, which is 27% above its 10-year median of 0.15. GuruFocus rates UBAB with a GF Score™ of 78/100 and a GF Value™ of $54.94 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,524 Banks companies, United Bancorp Of Alabama ranks better than 92.59% on this metric.
United Bancorp Of Alabama (OTCPK:UBAB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
United Bancorp Of Alabama Equity-to-Asset Related Terms
United Bancorp Of Alabama Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, United Bancorp Of Alabama's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's Equity-to-Asset falls into.
United Bancorp Of Alabama Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
United Bancorp Of Alabama's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.19 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Bancorp Of Alabama and its competitors. This is 27% above median its historical median of 0.15. Over the past decade, United Bancorp Of Alabama's Equity-to-Asset has ranged from 0.07 to 0.20. According to the industry distribution chart, United Bancorp Of Alabama ranks #113 out of 1524 companies in the Banks industry, placing it in the top 7.4%.
Is United Bancorp Of Alabama's Equity-to-Asset too high?
United Bancorp Of Alabama's current Equity-to-Asset of 0.19 is 27% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.20. The Banks industry median Equity-to-Asset is 0.10. United Bancorp Of Alabama's value of 0.19 is 90% above this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #113 out of 1524 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 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancorp Of Alabama's Equity-to-Asset compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #113 out of 1524 companies for Equity-to-Asset. This places United Bancorp Of Alabama in the top 7% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. United Bancorp Of Alabama's value of 0.19 is 90% above this benchmark. Historically, United Bancorp Of Alabama's own Equity-to-Asset has ranged from 0.07 to 0.20 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.10, United Bancorp Of Alabama has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp Of Alabama's current Equity-to-Asset of 0.19 is 90% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current Equity-to-Asset is 0.19, which is 27% above median its own 10-year median of 0.15. 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 $54.94, compared to a current price of $61.00 — trading 11% above its estimated fair value. The current Equity-to-Asset is 0.19, which is 27% above median its 10-year median of 0.15 and 90% above the Banks industry median of 0.10. United Bancorp Of Alabama's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current Equity-to-Asset is 0.19 as of Jun. 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 $61.00 is trading 11% above its estimated GF Value™ of $54.94.
GuruFocus considers United Bancorp Of Alabama to be Modestly Overvalued.
Key valuation signals for UBAB:
Equity-to-Asset: 0.19 (27% above median its 10-year median of 0.15)
GF Value™: $54.94 vs. price of $61.00 (11% above fair value)
Industry Position: 90% above the Banks median (#113 of 1524)
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.
78GF Score
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