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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
United Bancorp Of Alabama's 5-Year RORE % for the quarter that ended in Mar. 2026 was 3.25%.
The industry rank for United Bancorp Of Alabama's 5-Year RORE % or its related term are showing as below:
UBAB's 5-Year RORE % is ranked worse than 67.14% of 1409
companies
in the Banks industry
Industry Median: 9.93
vs UBAB: 3.25
United Bancorp Of Alabama (OTCPK:UBAB) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
United Bancorp Of Alabama 5-Year RORE % Related Terms
United Bancorp Of Alabama 5-Year RORE % 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: 5-Year RORE % Comparison
For the Banks - Regional subindustry, United Bancorp Of Alabama's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's 5-Year RORE % 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.
In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
United Bancorp Of Alabama (UBAB) has a 5-Year RORE % of 3.25 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on United Bancorp Of Alabama and its competitors. According to the industry distribution chart, United Bancorp Of Alabama ranks #946 out of 1409 companies in the Banks industry, placing it in the top 67.1%.
Is United Bancorp Of Alabama's 5-Year RORE % too high?
United Bancorp Of Alabama's current 5-Year RORE % is 3.25. The Banks industry median 5-Year RORE % is 9.93. United Bancorp Of Alabama's value of 3.25 is 67.3% below this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #946 out of 1409 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 5-Year RORE % compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #946 out of 1409 companies for 5-Year RORE %. This places United Bancorp Of Alabama in the lower half of its industry. The industry median 5-Year RORE % is 9.93. United Bancorp Of Alabama's value of 3.25 is 67.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.93, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancorp Of Alabama's current 5-Year RORE % of 3.25 is 67.3% below 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median 5-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancorp Of Alabama's current 5-Year RORE % is 3.25. 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 5-Year RORE % is 3.25 and 67.3% below the Banks industry median of 9.93. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current 5-Year RORE % is 3.25 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:
5-Year RORE %: 3.25
GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
Industry Position: 67.3% below the Banks median (#946 of 1409)
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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5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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