Financial Services
United Bancorporation of Alabama, Inc.(UBAB)
Live Price
Offline$55.00
+0.36% today
1Y Change
+6.10%
Window
Jun 23, 2025 โ May 29, 2026
- Market Cap
- $170.00M
- Revenue Growth
- -3.0%
- EPS Growth
- -31.6%
- Dividend Yield
- 2.6%
Coverage: 236 bars ยท Jun 23, 2025 โ May 29, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Bancorporation of Alabama, Inc. (UBAB) is a Financial Services stock with a market cap of $170.00M and listed on OTC. The stock last traded around $55.00 and up 6.1% across the available one-year price window (Jun 23, 2025 โ May 29, 2026). Baseline metrics include revenue growth of -3.0%, EPS growth of -31.6%, a dividend yield of 2.6%. What stands out right now is revenue -3.0%, EPS -31.6%, free cash flow -15.2% with operating margin 27.5% and ROIC -7.3%. The dividend matters to the case here, with a current yield around 2.6%. Valuation is more restrained than many high-expectation growth names at P/E 8.6 and price/sales 1.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UBAB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-3.0% vs +3.4% peer median
Operating Margin
Above sector median
+27.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 24, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -3.0% and EPS is at -31.6%, with operating margin around 27.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.6%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.0% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 24, 2026 | โ | -1.3% | +1.0% | +1.4% |
2026 Jan 30, 2026 | -10.8% | -0.5% | -1.8% | -0.5% |
2025 Oct 31, 2025 | -22.8% | +0.6% | +0.8% | -0.8% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBAB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UBAB Max Drawdown
-14.02%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UBAB and SPY.
Company Overview
United Bancorporation of Alabama, Inc.
Other OTC
United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides commercial 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, agribusiness loans, 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, reorder checks, 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.
- Leadership
- Michael R. Vincent
- IPO Date
- May 1, 2007
- Employees
- 177
- Street Address
- 200 East Nashville Avenue
- Mailing
- Atmore, AL, 36502
- Region
- Atmore, AL, US
- Reporting Currency
- USD
- Investor Line
- 251 446 6000
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.6
- EV/EBITDA
- 8.2
- Price/Sales
- 1.9
- Price/Book
- 0.6
Growth
- Revenue
- -3.0%
- EPS
- -31.6%
- Free Cash Flow
- -15.2%
Profitability
- Gross Margin
- 57.6%
- Operating Margin
- 27.5%
- Net Margin
- 21.9%
- ROE
- 7.2%
- ROIC
- -7.3%
Balance Sheet
- Debt/Equity
- 0.11
- Current Ratio
- 0.42
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.