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OTCM
UBAB
Market cap189mUSD
Jul 11, Last price  
53.38USD
1D
0.43%
1Q
6.76%
Jan 2017
270.69%
IPO
224.50%
Name

United Bancorporation of Alabama Inc

Chart & Performance

D1W1MN
P/E
6.01
P/S
2.44
EPS
8.88
Div Yield, %
0.94%
Shrs. gr., 5y
7.97%
Rev. gr., 5y
18.86%
Revenues
78m
+40.15%
13,859,84616,727,66119,206,55017,639,81118,539,94118,331,18119,800,79820,714,75218,405,50019,346,08519,925,53721,612,05724,608,77627,385,31832,692,55734,695,60641,034,58952,347,17355,329,88777,546,091
Net income
32m
+68.81%
2,153,2572,894,7843,135,0701,031,758545,938-4,029,345-839,8581,186,126896,0431,479,1501,801,7392,636,8173,535,9883,495,3129,988,2249,779,69112,170,23718,533,04618,684,70831,541,135
CFO
39m
+60.69%
1,805,6734,753,5184,147,6823,872,9153,108,6963,157,8295,130,3996,877,8144,439,6485,602,8254,770,6285,509,9036,239,3465,263,03811,005,48616,420,4348,355,97726,172,43724,320,61739,081,080
Dividend
Jun 28, 20240.5 USD/sh
Earnings
Jul 24, 2025

Profile

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.
URL
http://investors.unitedbank.com/CorporateProfile
IPO date
Aug 20, 2004
Employees
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
77,546
40.15%
55,330
5.70%
Cost of revenue
20,814
18,313
Unusual Expense (Income)
NOPBT
56,732
37,017
NOPBT Margin
73.16%
66.90%
Operating Taxes
9,426
5,339
Tax Rate
16.61%
14.42%
NOPAT
47,307
31,678
Net income
31,541
68.81%
18,685
0.82%
Dividends
(2,949)
(1,262)
Dividend yield
Proceeds from repurchase of equity
(3,516)
(5,270)
BB yield
Debt
Debt current
10,601
Long-term debt
40,792
18,939
Deferred revenue
Other long-term liabilities
136,163
(18,762)
Net debt
(718,690)
(907,568)
Cash flow
Cash from operating activities
39,081
24,321
CAPEX
(1,829)
Cash from investing activities
(19,560)
(162,750)
Cash from financing activities
(63,797)
298,929
FCF
59,618
23,946
Balance
Cash
486,909
597,709
Long term investments
272,573
339,399
Excess cash
755,605
934,342
Stockholders' equity
223,577
185,057
Invested Capital
1,165,622
1,232,604
ROIC
3.95%
2.78%
ROCE
4.08%
2.61%
EV
Common stock shares outstanding
3,581
3,655
Price
Market cap
EV
EBITDA
58,099
38,581
EV/EBITDA
Interest
7,427
3,686
Interest/NOPBT
13.09%
9.96%