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45
UBAB Quote, Financials, Valuation and Earnings
Last price:
$53.60
Seasonality move
:
3.87%
Day range:
$53.55 - $53.80
52-week range:
$48.10 - $59.99
Dividend yield:
2.43%
P/E ratio:
8.84x
P/S ratio:
1.85x
P/B ratio:
1.14x
Volume:
1.6K
Avg. volume:
8.1K
1-year change:
-6.41%
Market cap:
$173.4M
Revenue:
$97.7M
EPS (TTM):
$6.06
Analysts' Opinion
-
Consensus RatingUnited Bancorporation of Alabama, Inc. has received a consensus rating of Buy. The company's average rating is a Buy based on 1 Buy rating, 0 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $64.00, United Bancorporation of Alabama, Inc. has an estimated upside of 19.4% from its current price of $53.60.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $64.00 representing 100% downside risk from its current price of $53.60.
Fair Value
-
According to the consensus of 1 analyst, United Bancorporation of Alabama, Inc. has 19.4% upside to fair value with a price target of $64.00 per share.
UBAB vs. S&P 500
-
Over the past 5 trading days, United Bancorporation of Alabama, Inc. has underperformed the S&P 500 by -1.93% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
United Bancorporation of Alabama, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
United Bancorporation of Alabama, Inc. has grown year-over-year revenues for 1 quarter straight. In the most recent quarter United Bancorporation of Alabama, Inc. reported revenues of $23M.
Earnings Growth
-
United Bancorporation of Alabama, Inc. earnings have been falling on a year-over-year basis for 5 quarters in a row. In the most recent quarter United Bancorporation of Alabama, Inc. reported earnings per share of $1.29.
Enterprise value:
327.7M
EV / Invested capital:
1.07x
Price / LTM sales:
1.85x
EV / EBIT:
7.32x
EV / Revenue:
3.36x
PEG ratio (5yr expected):
0.38x
EV / Free cash flow:
89.28x
Price / Operating cash flow:
--
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.63%
Net Income Margin (TTM):
23.54%
Return On Equity:
8.42%
Return On Invested Capital:
7.51%
Operating Margin:
26.64%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $75.7M | $97.5M | $97.4M | $22.7M | $23M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $33.9M | $39.8M | $29M | $7.4M | $6.1M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $7.31 | $8.47 | $6.06 | $1.45 | $1.29 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $199.9M | $281.4M | $182.2M | $170.3M | $170.3M | |
| Total Assets | $1.2B | $1.3B | $1.4B | $1.4B | $1.4B | |
| Current Liabilities | $462.8M | $524.6M | $526.3M | $460.4M | $454.5M | |
| Total Liabilities | $1B | $1.1B | $1.1B | $1.1B | $1.2B | |
| Total Equity | $107.4M | $205.7M | $224.4M | $272.3M | $276.4M | |
| Total Debt | $23.7M | $21.1M | $41.1M | $34.3M | $30.6M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2010-03-31 | 2011-03-31 | 2012-03-31 | 2011-03-31 | 2012-03-31 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | -- | -- | -- | $2.4M | -$353.7K | |
| Cash From Investing | -- | -- | -- | -$4.5M | -$7.2M | |
| Cash From Financing | -- | -- | -- | -$19M | $17.2M | |
| Free Cash Flow | -- | -- | -- | -- | -- | |
UBAB
Sector
Market Cap
$173.4M
$558M
Price % of 52-Week High
89.35%
92.09%
Dividend Yield
2.43%
1.57%
Shareholder Yield
2.77%
3.1%
1-Year Price Total Return
-6.41%
6.97%
Beta (5-Year)
0.422
0.476
Dividend yield:
2.43%
Annualized payout:
$1.10
Payout ratio:
--
Growth streak:
0 years
Technicals
8-day SMA
Sell
Level
$53.76
200-day SMA
Buy
Level
$53.29
Bollinger Bands (100)
Sell
Level
53.67 - 55.65
Chaikin Money Flow
Sell
Level
-16.5K
20-day SMA
Buy
Level
$53.48
Relative Strength Index (RSI14)
Sell
Level
48.15
ADX Line
Sell
Level
22.72
Williams %R
Neutral
Level
-50
50-day SMA
Sell
Level
$53.81
MACD (12, 26)
Buy
Level
14.65
25-day Aroon Oscillator
Buy
Level
40
On Balance Volume
Neutral
Level
3.7K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.1516)
Sell
CA Score
(Annual)
Level (-1.725)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (3.5031)
Buy
Piotroski F Score
(Annual)
Level (5)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (8)
Revenue Forecast
Earnings per Share Forecast
Company Profile
United Bancorp of Alabama, Inc. is a bank holding company, which engages in the ownership and management of United Bank. It provides commercial banking services in Baldwin, Escambia, Monroe, and Santa Rosa counties through its bank subsidiary. The company was founded on March 8, 1982 and is headquartered in Atmore, AL.
Stock Forecast FAQ
In the current month, UBAB has received 1 Buy ratings 0 Hold ratings, and 0 Sell ratings. The UBAB average analyst price target in the past 3 months is $64.00.
-
Where Will United Bancorporation of Alabama, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that United Bancorporation of Alabama, Inc. share price will rise to $64.00 per share over the next 12 months.
-
What Do Analysts Say About United Bancorporation of Alabama, Inc.?
Analysts are divided on their view about United Bancorporation of Alabama, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that United Bancorporation of Alabama, Inc. is a Sell and believe this share price will drop from its current level to $64.00.
-
What Is United Bancorporation of Alabama, Inc.'s Price Target?
The price target for United Bancorporation of Alabama, Inc. over the next 1-year time period is forecast to be $64.00 according to 1 Wall Street analyst, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.
-
Is UBAB A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for United Bancorporation of Alabama, Inc. is a Buy. 1 of 1 analysts rates the stock a Buy at this time.
-
How Can I Buy Shares Of UBAB?
You can purchase shares of United Bancorporation of Alabama, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase United Bancorporation of Alabama, Inc. shares.
-
What Is The United Bancorporation of Alabama, Inc. Share Price Today?
United Bancorporation of Alabama, Inc. was last trading at $53.60 per share. This represents the most recent stock quote for United Bancorporation of Alabama, Inc.. Yesterday, United Bancorporation of Alabama, Inc. closed at $53.60 per share.
-
How To Buy United Bancorporation of Alabama, Inc. Stock Online?
In order to purchase United Bancorporation of Alabama, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
UBAB
Sector
P/E ratio
8.84x
12.26x
PEG ratio
0.38x
0.31x
P/B ratio
1.14x
1.11x
Price / LTM sales
1.85x
1.84x
Growth Metrics
UBAB
Sector
Revenue growth
1.32%
5.54%
Earnings growth
-10.58%
14.85%
Revenue (5-year growth)
19.99%
8.85%
Earnings forecast
$1.29
$0.62
Profitability
UBAB
Sector
Profitability FY 2024
--
--
Return on invested capital
7.51%
5.03%
Return on assets
1.63%
1.01%
Return on equity
8.42%
9.68%
Earnings Date
Last Earnings Date
Dec
29
Next Earnings Date
Dec
29
Estimated Next Earnings Date
Mar
30
Balance Sheet
UBAB
Sector
Total cash
$432.8M
$431.4M
Short term investments
$264.6M
$211.3M
Total assets
$1.4B
$3.1B
Long term debt
$30.6M
$79.3M
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