United Bancorporation of Alabama (UBAB) Stock Price, News & Analysis

Company Overview

United Bancorporation of Alabama, Inc. is a bank holding company headquartered in Atmore, Alabama. Its principal subsidiary, United Bank, is a community banking institution that provides deposit, lending and other financial services to individuals, families and businesses.

United Bank offers checking and savings accounts, certificates of deposit, consumer loans, residential mortgage lending, commercial loans and agricultural financing. The bank also provides online and mobile banking, treasury management and other services designed to support personal and business banking needs.

Founded in 1904, United Bank has a long history of serving communities in south Alabama and northwest Florida. Its market area includes Escambia County and surrounding communities, as well as portions of the Florida Panhandle. United Bancorporation of Alabama operates as a regional community bank focused on relationship-based service and local lending.

Key Stats

• Today's Range: $64.10 to $65.05
• 50-Day Range: $59.55 to $66.00
• 52-Week Range: $49.01 to $66.00
• Volume: 250 shs
• Average Volume: 609 shs
• Market Capitalization: $199.05 million
• P/E Ratio: 10.58
• Dividend Yield: 2.18%
• Price Target: N/A
• Consensus Rating: Hold

United Bancorporation of Alabama Stock Analysis - MarketRank™

United Bancorporation of Alabama scored higher than 57% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

United Bancorporation of Alabama has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

United Bancorporation of Alabama has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.41%

Earnings Growth

Earnings for United Bancorporation of Alabama are expected to grow by 8.41% in the coming year, from $5.35 to $5.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bancorporation of Alabama is 10.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.12.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorporation of Alabama is 10.58, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.32.

Price to Book Value per Share Ratio

United Bancorporation of Alabama has a P/B Ratio of 1.37. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.03% of the float of United Bancorporation of Alabama has been sold short.

Short Interest Ratio / Days to Cover

United Bancorporation of Alabama has a short interest ratio ("days to cover") of 0.96, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bancorporation of Alabama has recently decreased by 44.64%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

United Bancorporation of Alabama pays a meaningful dividend of 2.18%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Bancorporation of Alabama does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Bancorporation of Alabama is 23.09%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, United Bancorporation of Alabama will have a dividend payout ratio of 24.48% next year. This indicates that United Bancorporation of Alabama will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: N/A

News Sentiment

United Bancorporation of Alabama has a news sentiment score of 1.17. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for United Bancorporation of Alabama this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Bancorporation of Alabama insiders have not sold or bought any company stock.

Percentage Held by Institutions

5.52% of the stock of United Bancorporation of Alabama is held by institutions.

Company Calendar

• Last Earnings: 8/05/2026
• Today: 9/23/2026
• Next Earnings (Estimated): 10/30/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:UBAB
• CIK: N/A
• Web: www.ubankal.com
• Phone: (251) 446-6000
• Fax: N/A
• Employees: 177
• Year Founded: 1904

Profitability

• EPS (Trailing Twelve Months): $6.15
• Trailing P/E Ratio: 10.58
• Forward P/E Ratio: 12.16
• P/E Growth: N/A
• Net Income: $19.67 million
• Net Margins: 23.54%
• Pretax Margin: 29.12%
• Return on Equity: 14.40%
• Return on Assets: 1.49%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.89
• Quick Ratio: 0.89

Sales & Book Value

• Annual Sales: $89.83 million
• Price / Sales: 2.22
• Cash Flow: $7.02 per share
• Price / Cash Flow: 9.27
• Book Value: $47.65 per share
• Price / Book: 1.37

Miscellaneous

• Outstanding Shares: 3,060,000
• Free Float: N/A
• Market Cap: $199.05 million
• Optionable: Not Optionable
• Beta: 0.44