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

Company Overview

United Bancorporation of Alabama is the bank holding company for United Bank, a community-oriented financial institution headquartered in Selma, Alabama. The holding company was established to oversee the growth and strategic direction of United Bank, which traces its origins back to the late 1920s. Over the decades, United Bank has expanded its footprint through organic growth and selective acquisitions, positioning itself as a stable regional player in Alabama’s banking sector.

The company offers a full range of banking products and services designed to meet the needs of individuals, small businesses and agricultural enterprises. On the consumer side, it provides checking and savings accounts, certificates of deposit, home equity loans and residential mortgage financing. For commercial clients, offerings include commercial real estate loans, equipment financing, lines of credit and cash management solutions. The bank also supports the agricultural industry with farm real estate mortgages, operating lines of credit and equipment leasing.

United Bancorporation of Alabama serves clients across central and western Alabama through a network of full-service branches and ATMs, as well as online and mobile banking platforms. Its customer base spans urban centers, suburban communities and rural counties, reflecting a commitment to supporting economic development throughout its service areas. Beyond traditional banking, the company engages in community outreach and local sponsorships to foster long-term relationships and contribute to regional growth.

The holding company is governed by a board of directors and supported by an experienced management team. Day-to-day operations are overseen by senior executives who focus on risk management, regulatory compliance and strategic planning. Through prudent leadership and a community-focused approach, United Bancorporation of Alabama aims to sustain steady growth, enhance shareholder value and maintain its reputation for personalized customer service.

Key Stats

• Today's Range: $53.15 to $53.40
• 50-Day Range: $48.65 to $54.00
• 52-Week Range: $46.10 to $59.99
• Volume: 2,500 shs
• Average Volume: 4,758 shs
• Market Capitalization: $174.86 million
• P/E Ratio: 7.33
• Dividend Yield: 2.63%
• Price Target: N/A
• Consensus Rating: N/A

United Bancorporation of Alabama Stock Analysis - MarketRank™

United Bancorporation of Alabama scored higher than 25% 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for United Bancorporation of Alabama.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bancorporation of Alabama is 7.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorporation of Alabama is 7.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Book Value per Share Ratio

United Bancorporation of Alabama has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% 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, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

United Bancorporation of Alabama pays a meaningful dividend of 2.63%, 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 19.31%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% 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, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.2 / 5
• News Sentiment: N/A

News Sentiment

United Bancorporation of Alabama has a news sentiment score of 0.91. 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 0.76 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 1 article on an average week.

Company Ownership

• Score: 0.0 / 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

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

UBAB Stock Analysis - Frequently Asked Questions

How have UBAB shares performed this year?

United Bancorporation of Alabama's stock was trading at $57.00 on January 1st, 2025. Since then, UBAB shares have decreased by 6.8% and is now trading at $53.15.

How were United Bancorporation of Alabama's earnings last quarter?

United Bancorporation of Alabama, Inc. (OTCMKTS:UBAB) announced its quarterly earnings data on Friday, April, 25th. The company reported $1.42 earnings per share for the quarter, missing analysts' consensus estimates of $1.73 by $0.31. United Bancorporation of Alabama had a trailing twelve-month return on equity of 17.48% and a net margin of 25.30%.

How do I buy shares of United Bancorporation of Alabama?

Shares of UBAB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Bancorporation of Alabama own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Bancorporation of Alabama investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), Jabil (JBL), Adobe (ADBE), Disc Medicine (IRON) and e.l.f. Beauty (ELF).

Company Calendar

• Last Earnings: 4/25/2025
• Today: 7/10/2025
• Next Earnings (Estimated): 7/25/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

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

Profitability

• EPS (Trailing Twelve Months): $7.25
• Trailing P/E Ratio: 7.37
• Forward P/E Ratio: 7.78
• P/E Growth: N/A
• Net Income: $28 million
• Net Margins: 25.30%
• Pretax Margin: 35.06%
• Return on Equity: 17.48%
• Return on Assets: 1.81%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $97.72 million
• Price / Sales: 1.80
• Cash Flow: $8.63 per share
• Price / Cash Flow: 6.19
• Book Value: $42.07 per share
• Price / Book: 1.27

Miscellaneous

• Outstanding Shares: 3,290,000
• Free Float: N/A
• Market Cap: $175.69 million
• Optionable: Not Optionable
• Beta: 0.45