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United Bancorp Of AlabamaUBAB +0.33%77 5-Year Yield-on-Cost % is 17.96 as of Aug. 01, 2026, which is 126% above its 10-year median of 7.95. 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 1,251 Banks companies, United Bancorp Of Alabama ranks better than 94.32% on this metric.
United Bancorp Of Alabama (OTCPK:UBAB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Bancorp Of Alabama 5-Year Yield-on-Cost % Related Terms
UBAB vs FINW, EBMT, BMBN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, United Bancorp Of Alabama's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancorp Of Alabama's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Bancorp Of Alabama's 5-Year Yield-on-Cost % falls into.
United Bancorp Of Alabama 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
United Bancorp Of Alabama (UBAB) has a 5-Year Yield-on-Cost % of 17.96 as of Aug. 01, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Bancorp Of Alabama and its competitors. This is 126% above median its historical median of 7.95. Over the past decade, United Bancorp Of Alabama's 5-Year Yield-on-Cost % has ranged from 2.52 to 21.79. According to the industry distribution chart, United Bancorp Of Alabama ranks #71 out of 1251 companies in the Banks industry, placing it in the top 5.7%.
Is United Bancorp Of Alabama's 5-Year Yield-on-Cost % too high?
United Bancorp Of Alabama's current 5-Year Yield-on-Cost % of 17.96 is 126% above median its 10-year median of 7.95. Over the past 10 years, this metric has ranged from a low of 2.52 to a high of 21.79. The Banks industry median 5-Year Yield-on-Cost % is 3.84. United Bancorp Of Alabama's value of 17.96 is 367.7% above this industry median. Based on the distribution chart, United Bancorp Of Alabama ranks #71 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Yield-on-Cost % compare to FINW and EBMT?
According to the Banks industry distribution chart, United Bancorp Of Alabama ranks #71 out of 1251 companies for 5-Year Yield-on-Cost %. This places United Bancorp Of Alabama in the top 6% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.84. United Bancorp Of Alabama's value of 17.96 is 367.7% above this benchmark. Historically, United Bancorp Of Alabama's own 5-Year Yield-on-Cost % has ranged from 2.52 to 21.79 over the past decade. While the company's 10-year median is 7.95 vs. the industry median of 3.84, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 Yield-on-Cost % of 17.96 is 367.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Bancorp Of Alabama and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — 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 Yield-on-Cost % is 17.96, which is 126% above median its own 10-year median of 7.95. 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 Yield-on-Cost % is 17.96, which is 126% above median its 10-year median of 7.95 and 367.7% above the Banks industry median of 3.84. 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 Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Bancorp Of Alabama (UBAB), the current 5-Year Yield-on-Cost % is 17.96 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:
5-Year Yield-on-Cost %: 17.96 (126% above median its 10-year median of 7.95)
GF Value™: $53.70 vs. price of $60.05 (11.8% above fair value)
Industry Position: 367.7% above the Banks median (#71 of 1251)
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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