United Bancorporation of Alabama, Inc. (UBAB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 41 | 52 | 55 | 77 | 78 | 74 | 75 | - |
| Operating profit | $m | 25 | 27 | ||||||
| Net profit | $m | 12 | 19 | 19 | 32 | 28 | 20 | 22 | 18 |
| EPS reported | $ | 5.23 | 6.15 | ||||||
| Operating cashflow per share | $ | 9.28 | 0.00 | ||||||
| Capex per share | $ | 0.33 | 0.00 | ||||||
| FCF per share | $ | 8.95 | 0.00 | ||||||
| Free cash flow | $m | 29 | 0 | ||||||
| Net debt | $m | -420 | -379 | ||||||
| Book value equity | $m | 270 | 277 | ||||||
| Book value per share | $ | 81.98 | 90.52 | ||||||
| Number of shares | m | 3.29 | 3.06 | ||||||
| DPS (TTM paid) | $ | 1.41 | 1.41 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.17 | 11.53 | ||||||
| P/B LTM | x | 0.65 | 0.63 | ||||||
| P/S LTM | x | 2.37 | 2.32 | ||||||
| P/FCF LTM | x | 5.94 | 0.00 | ||||||
| EV/EBITDA LTM | x | 1.94 | 1.89 | ||||||
| EV/Sales LTM | x | 0.57 | 1.05 | ||||||
| Earnings Yield LTM | % | +9.83% | +8.67% | ||||||
| FCF Yield | % | +16.82% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +7.29% | +7.47% | ||||||
| ROIC | % | +1.36% | +6.57% | ||||||
| Operating margin | % | +27.51% | +27.67% | ||||||
| Gross margin | % | +77.58% | +78.98% | ||||||
| FCF/Sales | % | +32.78% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -31.63% | -19.61% | ||||||
| Sales Growth YoY | % | -5.82% | -3.58% | ||||||
| Net Income Growth YoY | % | -29.75% | -22.59% | ||||||
| FCF Growth | % | -15.20% | -100.00% | ||||||
| Operating Profit Growth | % | -31.53% | -25.69% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.88% | +2.32% | ||||||
| Dividend Growth | % | +8.46% | +8.46% | ||||||
| Payout Ratio | % | +39.50% | 0.00% | ||||||
| FCF/Debt | x | 0.97 | 0.00 | ||||||
| Net Debt/EBITDA | x | -4.74 | -3.62 | ||||||
| EBIT/Net interest | x | 1.53 | 1.53 | ||||||
| Net debt/market cap | % | +18.81% | +16.09% | ||||||
| Net debt/Equity | x | -1.56 | -1.37 | ||||||
| Gross debt/equity | x | 0.11 | 0.11 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
United Bancorporation of Alabama, Inc. operates as the parent entity for United Bank, delivering a full spectrum of commercial banking solutions. The company provides a diverse range of deposit products, including checking, savings, certificates of deposit, and individual retirement accounts. For businesses, it offers specialized programs, comprehensive business solutions, merchant services, and efficient cash management tools. Its lending portfolio encompasses personal loans, various business loans, lines of credit, and equipment financing. Additionally, the firm supports the agricultural community with real estate and agribusiness loans, alongside working lines of credit and overdraft services. Clients can also access conveniences such as debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further offerings include check cashing, check reordering, remote and mobile deposit options, secure personal storage compartments, web payment functionalities, and a suite of insurance, investment, and brokerage products, all complemented by robust online and mobile banking platforms. Founded in 1904, United Bancorporation of Alabama, Inc. is headquartered in Atmore, Alabama.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
United Bancorporation of Alabama, Inc. (UBAB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
United Bancorporation of Alabama, Inc. operates as the parent entity for United Bank, delivering a full spectrum of commercial banking solutions. The company provides a diverse range of deposit products, including checking, savings, certificates of deposit, and individual retirement accounts. For businesses, it offers specialized programs, comprehensive business solutions, merchant services, and efficient cash management tools. Its lending portfolio encompasses personal loans, various business loans, lines of credit, and equipment financing. Additionally, the firm supports the agricultural community with real estate and agribusiness loans, alongside working lines of credit and overdraft services. Clients can also access conveniences such as debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further offerings include check cashing, check reordering, remote and mobile deposit options, secure personal storage compartments, web payment functionalities, and a suite of insurance, investment, and brokerage products, all complemented by robust online and mobile banking platforms. Founded in 1904, United Bancorporation of Alabama, Inc. is headquartered in Atmore, Alabama.
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