United Bancorporation of Alabama, Inc.
General ticker "UBAB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $192.8M (TTM average)
United Bancorporation of Alabama, Inc. follows the US Stock Market performance with the rate: 36.6%.
Estimated limits based on current volatility of 0.2%: low 53.36$, high 53.56$
Factors to consider:
- Company pays dividends (semi-annually): last record date 2025-06-30, amount 0.70$ (Y2.62%)
- Current price 11.2% above estimated high
- Earnings for 18 months up through Q2 (+1 year) are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [35.03$, 47.20$]
- 2024-12-30 to 2025-12-30 estimated range: [35.05$, 48.14$]
Financial Metrics affecting the UBAB estimates:
- Negative: with PPE of 4.7 at the end of fiscal year the price was very high
- Positive: Operating profit margin, % of 48.51 > 18.64
- Positive: Operating cash flow per share per price, % of 26.31 > 13.24
- Negative: Shareholder equity ratio, % of 17.89 <= 18.93
- Positive: Industry earnings per price (median), % of 8.44 > 4.43
- Positive: 1.87 < Return on assets ratio (scaled to [-100,100]) of 2.22
- Negative: Investing cash flow per share per price, % of -13.17 <= -4.48
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
Short-term UBAB quotes
Long-term UBAB plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $55.18MM | $59.02MM | $84.45MM |
| Operating Expenses | $31.24MM | $34.99MM | $43.48MM |
| Operating Income | $23.94MM | $24.02MM | $40.97MM |
| Interest Expense | $2.84MM | $3.69MM | $7.43MM |
| Income(Loss) | $23.94MM | $24.02MM | $40.97MM |
| Taxes | $5.41MM | $5.34MM | $9.43MM |
| Profit(Loss)* | $18.53MM | $18.68MM | $31.54MM |
| Stockholders Equity | $109.71MM | $212.61MM | $248.64MM |
| Assets | $1,120.94MM | $1,407.24MM | $1,389.99MM |
| Operating Cash Flow | $26.17MM | $24.32MM | $39.08MM |
| Capital expenditure | $0.52MM | $1.83MM | $0.39MM |
| Investing Cash Flow | $-165.58MM | $-162.75MM | $-19.56MM |
| Financing Cash Flow | $-3.29MM | $298.93MM | $-63.80MM |
| Earnings Per Share** | $4.87 | $5.11 | $8.81 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.