UBAB (United Bancorp Of Alabama) Dividend Payout Ratio: 0.00 (As of Mar. 2026)

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UBAB United Bancorp Of Alabama Inc UBAB
77 GF Score
Price $60.05
GF Value $53.70
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is United Bancorp Of Alabama Dividend Payout Ratio?

United Bancorp Of Alabama UBAB +0.33% 77 Dividend Payout Ratio is 0.00 as of Mar. 2026. 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 1,173 Banks companies, United Bancorp Of Alabama ranks better than 67.86% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. United Bancorp Of Alabama's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.00.

The historical rank and industry rank for United Bancorp Of Alabama's Dividend Payout Ratio or its related term are showing as below:

UBAB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04   Med: 0.07   Max: 0.27
Current: 0.25

During the past 13 years, the highest Dividend Payout Ratio of United Bancorp Of Alabama was 0.27. The lowest was 0.04. And the median was 0.07.

UBAB's Dividend Payout Ratio is ranked better than
67.86% of 1173 companies
in the Banks industry
Industry Median: 0.32 vs UBAB: 0.25

As of today (2026-08-01), the Dividend Yield % of United Bancorp Of Alabama is 2.35%.

During the past 13 years, the highest Trailing Annual Dividend Yield of United Bancorp Of Alabama was 2.85%. The lowest was 0.33%. And the median was 1.04%.

United Bancorp Of Alabama's Dividends per Share for the months ended in Mar. 2026 was $0.00.

During the past 12 months, United Bancorp Of Alabama's average Dividends Per Share Growth Rate was 27.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 51.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 50.20% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of United Bancorp Of Alabama was 57.80% per year. The lowest was 24.50% per year. And the median was 44.20% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

United Bancorp Of Alabama (OTCPK:UBAB) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

United Bancorp Of Alabama Dividend Payout Ratio Related Terms

United Bancorp Of Alabama Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for United Bancorp Of Alabama's Dividend Payout Ratio can be seen below:

* 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 Dividend Payout Ratio Chart

United Bancorp Of Alabama Annual Data
Trend Dec10 Dec11 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.06 0.08 0.07 0.14 0.27

United Bancorp Of Alabama Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.52 0.00 0.61 0.00

UBAB vs FINW, EBMT, BMBN: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, United Bancorp Of Alabama's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Bancorp Of Alabama's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where United Bancorp Of Alabama's Dividend Payout Ratio falls into.


UBAB
77GF Score
United Bancorp Of Alabama Inc UBAB
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bancorp Of Alabama Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

United Bancorp Of Alabama's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.4/ 5.23
=0.27

United Bancorp Of Alabama's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0/ 1.8
=0.00

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.00 mean?
United Bancorp Of Alabama (UBAB) has a Dividend Payout Ratio of 0.00 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Bancorp Of Alabama and its competitors. Over the past decade, United Bancorp Of Alabama's Dividend Payout Ratio has ranged from 0.04 to 0.27. According to the industry distribution chart, United Bancorp Of Alabama ranks #377 out of 1173 companies in the Banks industry, placing it in the top 32.1%.
Is United Bancorp Of Alabama's Dividend Payout Ratio too high?
United Bancorp Of Alabama's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.27. Based on the distribution chart, United Bancorp Of Alabama ranks #377 out of 1173 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 Dividend Payout Ratio compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #377 out of 1173 companies for Dividend Payout Ratio. This puts United Bancorp Of Alabama in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, United Bancorp Of Alabama's own Dividend Payout Ratio has ranged from 0.04 to 0.27 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current Dividend Payout Ratio is 0.00 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:

  • Dividend Payout Ratio: 0.00
  • GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
  • GF Score™: 77/100 with 4 warning signs

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 Business Description

Address 200 East Nashville Avenue, Atmore, AL, USA, 36502
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

Get the complete analysis for UBAB

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.05
Price
$53.70
GF Value