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

Company Overview

United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides banking services. The company offers checking and savings accounts, certificates of deposit, individual retirement accounts, small business programs, business solutions, merchant services, and cash management services. It also provides various lending services, such as personal loans, business loans, lines of credit, and equipment loans; real estate loans for the agricultural community and working lines of credit; and overdraft services. In addition, the company offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further, it provides check cashing, convenience, remote deposit, mobile check deposit, personal storage compartments, Web payment options, insurance products, investment and brokerage, and online and mobile banking services. United Bancorporation of Alabama, Inc. was founded in 1904 and is based in Atmore, Alabama.

Key Stats

• Today's Range: $59.00 to $59.00
• 50-Day Range: $50.20 to $59.24
• 52-Week Range: $37.50 to $59.99
• Volume: 203 shs
• Average Volume: 2,686 shs
• Market Capitalization: $209.45 million
• P/E Ratio: 6.92
• Dividend Yield: 1.69%
• Price Target: N/A
• Consensus Rating: N/A

United Bancorporation of Alabama Stock Analysis - MarketRank™

United Bancorporation of Alabama scored higher than 39% 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: -0.29%

Earnings Growth

Earnings for United Bancorporation of Alabama are expected to decrease by -0.29% in the coming year, from $6.88 to $6.86 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bancorporation of Alabama is 6.92, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 135.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorporation of Alabama is 6.92, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 49.46.

Price to Book Value per Share Ratio

United Bancorporation of Alabama has a P/B Ratio of 1.67. 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

0.00% of the outstanding shares of United Bancorporation of Alabama have been sold short.

Short Interest Ratio / Days to Cover

United Bancorporation of Alabama has a short interest ratio ("days to cover") of 0.1, 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 50.00%, 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 1.69%, 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 11.72%. 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 14.58% next year. This indicates that United Bancorporation of Alabama will be able to sustain or increase its dividend.

Sustainability and ESG

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

Percentage of Shares Shorted

0.00% of the outstanding shares of United Bancorporation of Alabama have been sold short.

Short Interest Ratio / Days to Cover

United Bancorporation of Alabama has a short interest ratio ("days to cover") of 0.1, 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 50.00%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.61

News Sentiment

United Bancorporation of Alabama has a news sentiment score of 0.61. 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 lower news sentiment than the 0.78 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for United Bancorporation of Alabama this week, compared to 4 articles 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 $41.60 at the beginning of the year. Since then, UBAB shares have increased by 41.8% and is now trading at $59.00.
View the best growth stocks for 2024 here.

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

United Bancorporation of Alabama, Inc. (OTCMKTS:UBAB) issued its quarterly earnings data on Friday, October, 25th. The company reported $1.57 earnings per share (EPS) for the quarter, missing the consensus estimate of $1.67 by $0.10. The business had revenue of $22.67 million for the quarter. United Bancorporation of Alabama had a net margin of 31.02% and a trailing twelve-month return on equity of 23.28%.

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.
Compare Top Brokerages Here.

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: 10/25/2024
• Today: 11/21/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

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

Profitability

• EPS (Most Recent Fiscal Year): $8.53
• Trailing P/E Ratio: 6.92
• Forward P/E Ratio: 8.58
• P/E Growth: N/A
• Net Income: $31.54 million
• Net Margins: 31.02%
• Pretax Margin: 43.54%
• Return on Equity: 23.28%
• Return on Assets: 2.18%

Debt

• Debt-to-Equity Ratio: 0.26
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $87.26 million
• Price / Sales: 2.40
• Cash Flow: $9.58 per share
• Price / Cash Flow: 6.16
• Book Value: $35.29 per share
• Price / Book: 1.67

Miscellaneous

• Outstanding Shares: 3,550,000
• Free Float: N/A
• Market Cap: $209.45 million
• Optionable: Not Optionable
• Beta: 0.42