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United Bancorp Of AlabamaUBAB +0.33%77 OCF Yield % is 16.64 as of Aug. 01, 2026, which is 685% above its 10-year median of 2.12. 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 1,498 Banks companies, United Bancorp Of Alabama ranks better than 72.36% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Bancorp Of Alabama OCF Yield % Related Terms
United Bancorp Of Alabama OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's OCF Yield % 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 OCF Yield % of 16.64 as of Aug. 01, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bancorp Of Alabama and its competitors. This is 685% above median its historical median of 2.12. According to the industry distribution chart, United Bancorp Of Alabama ranks #414 out of 1498 companies in the Banks industry, placing it in the top 27.6%.
Is United Bancorp Of Alabama's OCF Yield % too high?
United Bancorp Of Alabama's current OCF Yield % of 16.64 is 685% above median its 10-year median of 2.12. The Banks industry median OCF Yield % is 8.98. United Bancorp Of Alabama's value of 16.64 is 85.3% above this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #414 out of 1498 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 OCF Yield % compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #414 out of 1498 companies for OCF Yield %. This puts United Bancorp Of Alabama in the upper half of its industry. The industry median OCF Yield % is 8.98. United Bancorp Of Alabama's value of 16.64 is 85.3% above this benchmark. While the company's 10-year median is 2.12 vs. the industry median of 8.98, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 8.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp Of Alabama's current OCF Yield % of 16.64 is 85.3% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median OCF Yield % is 8.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current OCF Yield % is 16.64, which is 685% above median its own 10-year median of 2.12. 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 OCF Yield % is 16.64, which is 685% above median its 10-year median of 2.12 and 85.3% above the Banks industry median of 8.98. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current OCF Yield % is 16.64 as of Aug. 01, 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:
OCF Yield %: 16.64 (685% above median its 10-year median of 2.12)
GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
Industry Position: 85.3% above the Banks median (#414 of 1498)
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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