United Bancorporation of Alabama, Inc. Logo

United Bancorporation of Alabama, Inc.

UBAB

(3.5)
Stock Price

59,00 USD

2.31% ROA

12.92% ROE

5.91x PER

Market Cap.

188.419.277,00 USD

13.34% DER

1.6% Yield

36.09% NPM

United Bancorporation of Alabama, Inc. Stock Analysis

United Bancorporation of Alabama, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

United Bancorporation of Alabama, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.6x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (8%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

5 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

6 ROE

The stock's ROE falls within an average range (11.43%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

7 ROA

The stock's ROA (1.85%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock seems undervalued (130) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

United Bancorporation of Alabama, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

United Bancorporation of Alabama, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

United Bancorporation of Alabama, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

United Bancorporation of Alabama, Inc. Revenue
Year Revenue Growth
2003 13.159.048
2004 13.859.846 5.06%
2005 16.727.661 17.14%
2006 19.206.550 12.91%
2007 17.639.811 -8.88%
2008 18.539.941 4.86%
2009 18.331.181 -1.14%
2010 19.800.798 7.42%
2011 20.714.752 4.41%
2012 18.405.500 -12.55%
2013 19.346.085 4.86%
2014 19.925.537 2.91%
2015 21.612.057 7.8%
2016 24.608.776 12.18%
2017 27.385.318 10.14%
2018 32.692.557 16.23%
2019 34.695.606 5.77%
2020 41.034.589 15.45%
2021 52.347.173 21.61%
2022 55.329.887 5.39%
2023 73.001.176 24.21%
2023 77.546.091 5.86%
2024 100.139.064 22.56%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

United Bancorporation of Alabama, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

United Bancorporation of Alabama, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 5.360.972
2004 5.779.483 7.24%
2005 6.512.743 11.26%
2006 7.353.896 11.44%
2007 8.315.265 11.56%
2008 8.548.033 2.72%
2009 8.517.858 -0.35%
2010 8.617.345 1.15%
2011 8.837.671 2.49%
2012 10.863.811 18.65%
2013 10.965.266 0.93%
2014 11.028.259 0.57%
2015 11.429.864 3.51%
2016 11.915.684 4.08%
2017 12.066.834 1.25%
2018 13.307.870 9.33%
2019 14.136.995 5.86%
2020 16.068.137 12.02%
2021 17.865.793 10.06%
2022 17.577.377 -1.64%
2023 18.348.560 4.2%
2023 19.696.057 6.84%
2024 20.298.048 2.97%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

United Bancorporation of Alabama, Inc. EBITDA
Year EBITDA Growth
2003 7.465.970
2004 7.330.614 -1.85%
2005 10.531.864 30.4%
2006 15.203.848 30.73%
2007 15.759.288 3.52%
2008 12.329.370 -27.82%
2009 1.190.092 -936%
2010 3.968.781 70.01%
2011 5.935.688 33.14%
2012 1.243.509 -377.33%
2013 -283.499 538.63%
2014 -206.000 -37.62%
2015 -206.000 0%
2016 -206.572 0.28%
2017 771.364 126.78%
2018 16.226.132 95.25%
2019 13.433.967 -20.78%
2020 16.690.220 19.51%
2021 25.421.753 34.35%
2022 29.274.069 13.16%
2023 36.967.168 20.81%
2023 31.500.000 -17.36%
2024 -41.439.120 176.02%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

United Bancorporation of Alabama, Inc. Gross Profit
Year Gross Profit Growth
2003 13.159.048
2004 13.859.846 5.06%
2005 16.727.661 17.14%
2006 19.206.550 12.91%
2007 17.639.811 -8.88%
2008 18.539.941 4.86%
2009 18.331.181 -1.14%
2010 19.800.798 7.42%
2011 20.714.752 4.41%
2012 18.405.500 -12.55%
2013 19.346.085 4.86%
2014 19.925.537 2.91%
2015 21.612.057 7.8%
2016 24.608.776 12.18%
2017 27.385.318 10.14%
2018 32.692.557 16.23%
2019 34.695.606 5.77%
2020 41.034.589 15.45%
2021 52.347.173 21.61%
2022 55.329.887 5.39%
2023 73.001.176 24.21%
2023 77.546.091 5.86%
2024 83.442.140 7.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

United Bancorporation of Alabama, Inc. Net Profit
Year Net Profit Growth
2003 2.131.016
2004 2.153.257 1.03%
2005 2.894.784 25.62%
2006 3.135.070 7.66%
2007 1.031.758 -203.86%
2008 545.938 -88.99%
2009 -4.029.345 113.55%
2010 -839.858 -379.77%
2011 1.186.126 170.81%
2012 896.043 -32.37%
2013 1.479.150 39.42%
2014 1.801.739 17.9%
2015 2.636.817 31.67%
2016 3.535.988 25.43%
2017 3.495.312 -1.16%
2018 9.988.224 65.01%
2019 9.779.691 -2.13%
2020 12.170.237 19.64%
2021 18.533.046 34.33%
2022 18.684.708 0.81%
2023 28.586.384 34.64%
2023 31.541.135 9.37%
2024 32.044.400 1.57%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

United Bancorporation of Alabama, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 2
2004 1 0%
2005 1 100%
2006 1 0%
2007 0 0%
2008 0 0%
2009 -2 100%
2010 0 0%
2011 1 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 4 75%
2019 3 -100%
2020 3 33.33%
2021 5 25%
2022 5 20%
2023 8 28.57%
2023 9 12.5%
2024 9 11.11%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

United Bancorporation of Alabama, Inc. Free Cashflow
Year Free Cashflow Growth
2003 433.621
2004 1.336.362 67.55%
2005 1.181.195 -13.14%
2006 980.261 -20.5%
2007 -2.279.001 143.01%
2008 -299.759 -660.28%
2009 3.088.484 109.71%
2010 5.074.931 39.14%
2011 6.532.660 22.31%
2012 -492.323 1426.91%
2012 3.830.879 112.85%
2013 5.085.933 24.68%
2014 4.390.574 -15.84%
2015 5.227.376 16.01%
2016 5.415.488 3.47%
2017 2.914.348 -85.82%
2018 9.617.946 69.7%
2019 13.765.289 30.13%
2020 6.907.986 -99.27%
2021 25.653.204 73.07%
2022 22.491.721 -14.06%
2023 38.690.904 41.87%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

United Bancorporation of Alabama, Inc. Operating Cashflow
Year Operating Cashflow Growth
2003 2.445.571
2004 1.805.673 -35.44%
2005 4.753.518 62.01%
2006 4.147.682 -14.61%
2007 3.872.915 -7.09%
2008 3.108.696 -24.58%
2009 3.157.829 1.56%
2010 5.130.399 38.45%
2011 6.877.814 25.41%
2012 -353.649 2044.81%
2012 4.439.648 107.97%
2013 5.602.825 20.76%
2014 4.770.628 -17.44%
2015 5.509.903 13.42%
2016 6.239.346 11.69%
2017 5.263.038 -18.55%
2018 11.005.486 52.18%
2019 16.420.434 32.98%
2020 8.355.977 -96.51%
2021 26.172.437 68.07%
2022 24.320.617 -7.61%
2023 39.081.080 37.77%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

United Bancorporation of Alabama, Inc. Capital Expenditure
Year Capital Expenditure Growth
2003 2.011.950
2004 469.311 -328.7%
2005 3.572.323 86.86%
2006 3.167.421 -12.78%
2007 6.151.916 48.51%
2008 3.408.455 -80.49%
2009 69.345 -4815.21%
2010 55.468 -25.02%
2011 345.154 83.93%
2012 138.674 -148.9%
2012 608.769 77.22%
2013 516.892 -17.77%
2014 380.054 -36%
2015 282.527 -34.52%
2016 823.858 65.71%
2017 2.348.690 64.92%
2018 1.387.540 -69.27%
2019 2.655.145 47.74%
2020 1.447.991 -83.37%
2021 519.233 -178.87%
2022 1.828.896 71.61%
2023 390.176 -368.74%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

United Bancorporation of Alabama, Inc. Equity
Year Equity Growth
2003 24.968.937
2004 26.345.094 5.22%
2005 27.794.360 5.21%
2006 30.724.720 9.54%
2007 31.921.390 3.75%
2008 42.122.641 24.22%
2009 37.563.804 -12.14%
2010 35.519.206 -5.76%
2011 37.269.023 4.7%
2012 20.535.537 -81.49%
2013 37.843.220 45.74%
2014 40.657.541 6.92%
2015 43.083.025 5.63%
2016 33.977.153 -26.8%
2017 38.049.189 10.7%
2018 46.624.633 18.39%
2019 82.860.520 43.73%
2020 96.849.640 14.44%
2021 109.709.896 11.72%
2022 212.606.784 48.4%
2023 248.635.984 14.49%
2023 224.370.128 -10.82%
2024 259.174.283 13.43%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

United Bancorporation of Alabama, Inc. Assets
Year Assets Growth
2003 254.979.150
2004 311.831.224 18.23%
2005 369.829.759 15.68%
2006 426.170.974 13.22%
2007 457.301.960 6.81%
2008 550.045.007 16.86%
2009 456.982.406 -20.36%
2010 467.220.694 2.19%
2011 446.879.172 -4.55%
2012 467.164.250 4.34%
2013 486.908.932 4.06%
2014 489.394.870 0.51%
2015 530.087.350 7.68%
2016 558.565.899 5.1%
2017 597.748.252 6.55%
2018 637.584.383 6.25%
2019 727.497.858 12.36%
2020 988.707.713 26.42%
2021 1.120.942.816 11.8%
2022 1.407.236.616 20.34%
2023 1.389.987.020 -1.24%
2023 1.360.866.549 -2.14%
2024 1.384.408.020 1.7%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

United Bancorporation of Alabama, Inc. Liabilities
Year Liabilities Growth
2003 230.010.213
2004 285.486.130 19.43%
2005 342.035.399 16.53%
2006 395.446.254 13.51%
2007 425.380.570 7.04%
2008 507.922.366 16.25%
2009 419.418.602 -21.1%
2010 431.701.488 2.85%
2011 409.610.149 -5.39%
2012 11.266.566 -3535.63%
2013 449.065.712 97.49%
2014 448.737.329 -0.07%
2015 487.004.325 7.86%
2016 524.588.746 7.16%
2017 559.699.063 6.27%
2018 590.959.750 5.29%
2019 644.637.338 8.33%
2020 891.858.073 27.72%
2021 1.011.232.920 11.8%
2022 1.194.629.832 15.35%
2023 1.141.351.036 -4.67%
2023 1.136.496.421 -0.43%
2024 1.125.233.737 -1%

United Bancorporation of Alabama, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
24.88
Net Income per Share
8.98
Price to Earning Ratio
5.91x
Price To Sales Ratio
2.14x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.73
EV to Sales
0.63
EV Over EBITDA
46.76
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.17
FreeCashFlow Yield
0
Market Cap
0,19 Bil.
Enterprise Value
0,06 Bil.
Graham Number
121.56
Graham NetNet
-195.95

Income Statement Metrics

Net Income per Share
8.98
Income Quality
0
ROE
0.13
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.77
EBT Per Ebit
1.09
Ebit per Revenue
0.43
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.23
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.91
Operating Profit Margin
0.43
Pretax Profit Margin
0.47
Net Profit Margin
0.36

Dividends

Dividend Yield
0.02
Dividend Yield %
1.6
Payout Ratio
0
Dividend Per Share
0.85

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.1
Return on Tangible Assets
0.02
Days Sales Outstanding
36.29
Days Payables Outstanding
49.7
Days of Inventory on Hand
-2470.53
Receivables Turnover
10.06
Payables Turnover
7.34
Inventory Turnover
-0.15
Capex per Share
0

Balance Sheet

Cash per Share
127,26
Book Value per Share
73,14
Tangible Book Value per Share
71.16
Shareholders Equity per Share
73.14
Interest Debt per Share
13.14
Debt to Equity
0.13
Debt to Assets
0.02
Net Debt to EBITDA
-111.4
Current Ratio
0.41
Tangible Asset Value
0,25 Bil.
Net Current Asset Value
-0,93 Bil.
Invested Capital
-254737264
Working Capital
-0,28 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-53993872
Debt to Market Cap
0.18

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

United Bancorporation of Alabama, Inc. Dividends
Year Dividends Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 1 0%
2024 1 0%

United Bancorporation of Alabama, Inc. Profile

About United Bancorporation of Alabama, Inc.

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.

CEO
Mr. Michael R. Vincent
Employee
177
Address
200 East Nashville Avenue
Atmore, 36502

United Bancorporation of Alabama, Inc. Executives & BODs

United Bancorporation of Alabama, Inc. Executives & BODs
# Name Age
1 Brooke Marsh
Vice President & Corporate Secretary
70
2 David F. Stewart Jr.
Executive Vice President & Chief Credit Officer
70
3 Leah M. Vick
Executive Vice President & Chief Risk Officer of United Bancorporation
70
4 Mr. Justin S. Jennings
EVice President & Chief Retail Officer
70
5 Mr. Michael R. Vincent
President, Chief Executive Officer & Director
70
6 Mr. Alex L. Jones
Executive Vice President & President of UB Community Development, LLC
70
7 Carolyn Faulkner
Controller
70
8 Ms. Leigh Anne Russell-Jones
Executive Vice President & Chief Financial Officer
70
9 Mr. Jamie M. Lipham
Executive Vice President & Chief Operating Officer
70
10 Kendell S. Lewis
Executive Vice President, Chief Innovation & Technology Officer
70

United Bancorporation of Alabama, Inc. Competitors