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United Bancorp Of AlabamaUBAB +0.33%77 Net Margin % is 31.55% as of Mar. 2026, which is 5% above its 10-year median of 30.16. 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 1,526 Banks companies, United Bancorp Of Alabama ranks better than 51.25% on this metric.
United Bancorp Of Alabama (OTCPK:UBAB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Bancorp Of Alabama Net Margin % Related Terms
United Bancorp Of Alabama Net Margin % 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.
For the Banks - Regional subindustry, United Bancorp Of Alabama's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's Net Margin % 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 Net Margin % of 31.55% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Bancorp Of Alabama and its competitors. This is near median its historical median of 30.16. According to the industry distribution chart, United Bancorp Of Alabama ranks #744 out of 1526 companies in the Banks industry, placing it in the top 48.8%.
Is United Bancorp Of Alabama's Net Margin % too high?
United Bancorp Of Alabama's current Net Margin % of 31.55% is near median its 10-year median of 30.16. The Banks industry median Net Margin % is 27.06. United Bancorp Of Alabama's value of 31.55% is 16.6% above this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #744 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #744 out of 1526 companies for Net Margin %. This puts United Bancorp Of Alabama in the upper half of its industry. The industry median Net Margin % is 27.06. United Bancorp Of Alabama's value of 31.55% is 16.6% above this benchmark. While the company's 10-year median is 30.16 vs. the industry median of 27.06, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp Of Alabama's current Net Margin % of 31.55% is 16.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current Net Margin % is 31.55%, which is near median its own 10-year median of 30.16. 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 Net Margin % is 31.55%, which is near median its 10-year median of 30.16 and 16.6% above the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current Net Margin % is 31.55% 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:
Net Margin %: 31.55% (near median its 10-year median of 30.16)
GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
Industry Position: 16.6% above the Banks median (#744 of 1526)
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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