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United Bancorp Of AlabamaUBAB +0.33%77 Pretax Margin % is 37.60% as of Mar. 2026, which is 2% below its 10-year median of 38.54. 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 worse than 53.93% on this metric.
United Bancorp Of Alabama (OTCPK:UBAB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
United Bancorp Of Alabama Pretax Margin % Related Terms
United Bancorp Of Alabama Pretax 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.
UBAB vs FINW, EBMT, BMBN: Pretax Margin % Comparison
For the Banks - Regional subindustry, United Bancorp Of Alabama's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's Pretax 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 Pretax Margin % of 37.60% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Bancorp Of Alabama and its competitors. This is near median its historical median of 38.54. According to the industry distribution chart, United Bancorp Of Alabama ranks #823 out of 1526 companies in the Banks industry, placing it in the top 53.9%.
Is United Bancorp Of Alabama's Pretax Margin % too high?
United Bancorp Of Alabama's current Pretax Margin % of 37.60% is near median its 10-year median of 38.54. The Banks industry median Pretax Margin % is 35.36. United Bancorp Of Alabama's value of 37.60% is 6.3% above this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #823 out of 1526 companies in the Banks industry, which is below 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 Pretax Margin % compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #823 out of 1526 companies for Pretax Margin %. This places United Bancorp Of Alabama in the lower half of its industry. The industry median Pretax Margin % is 35.36. United Bancorp Of Alabama's value of 37.60% is 6.3% above this benchmark. While the company's 10-year median is 38.54 vs. the industry median of 35.36, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.36, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp Of Alabama's current Pretax Margin % of 37.60% is 6.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current Pretax Margin % is 37.60%, which is near median its own 10-year median of 38.54. 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 Pretax Margin % is 37.60%, which is near median its 10-year median of 38.54 and 6.3% above the Banks industry median of 35.36. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current Pretax Margin % is 37.60% 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:
Pretax Margin %: 37.60% (near median its 10-year median of 38.54)
GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
Industry Position: 6.3% above the Banks median (#823 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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