Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 90M | 93M | 84M | 59M | 55M |
| Gross Profit | 70M | 74M | 76M | 53M | 50M |
| Operating Income | 25M | 36M | 41M | 24M | 24M |
| EBITDA | 25M | 37M | 42M | 26M | 25M |
| Net Income | 20M | 28M | 32M | 19M | 19M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$55.00
+0.36% today
1Y Change
+6.10%
Window
Jun 23, 2025 → May 29, 2026
Coverage: 236 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBAB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UBAB Max Drawdown
-14.02%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UBAB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$55.2M
-6.5% YoY
FY Net Income
$18.5M
-0.8% YoY
Free Cash Flow
$25.7M
+14.1% YoY
Revenue Growth
-3.0%
EPS Growth
-31.6%
Gross Margin
57.6%
Net Margin
21.9%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 90M | 93M | 84M | 59M | 55M |
| Gross Profit | 70M | 74M | 76M | 53M | 50M |
| Operating Income | 25M | 36M | 41M | 24M | 24M |
| EBITDA | 25M | 37M | 42M | 26M | 25M |
| Net Income | 20M | 28M | 32M | 19M | 19M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 0 | 156M | 221M | 269M | 114M |
| Total Assets | 1.5B | 1.4B | 1.4B | 1.4B | 1.1B |
| Total Liabilities | 1.2B | 1.1B | 1.1B | 1.2B | 1.0B |
| Shareholder Equity | 270M | 266M | 249M | 213M | 110M |
| Total Debt | 30M | 34M | 41M | 19M | 24M |
| Net Debt | 30M | -122M | -180M | -250M | -90M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
26M
+7.6% YoY
Capital Expenditures
519K
+71.6% YoY
Free Cash Flow
26M
+14.1% YoY
Key ratios
Gross Margin
57.6%
Operating Margin
27.5%
Net Margin
21.9%
ROE
7.2%
Debt / Equity
0.11x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.