United Bancorporation of Alabama, Inc. (UBAB) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United Bancorporation of Alabama, Inc. (UBAB) trades at $61.01 with AI Score 52/100 (Grade B). United Bancorporation of Alabama, Inc. Market cap: $186M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for UBAB: UBAB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UBAB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
UBAB: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
United Bancorporation of Alabama, Inc. (UBAB) Financial Services Profile
United Bancorporation of Alabama, Inc., operating as United Bank, provides community-focused banking services in Alabama, including personal and business loans, deposit accounts, and digital banking solutions. With a market capitalization of $186M and a dividend yield of 2.85%, UBAB balances traditional banking with modern service offerings.
What Is the Investment Thesis for UBAB?
United Bancorporation of Alabama, Inc. presents a compelling investment case based on its established presence in the Alabama banking market and its focus on community-oriented services. With a P/E ratio of 7.95 and a dividend yield of 2.85%, UBAB offers a blend of value and income potential. The company's profit margin of 21.9% indicates efficient operations. Growth catalysts include expanding digital banking services and increasing loan volumes within its target markets. Potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.42 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
UBAB Key Highlights
Market capitalization of $186M, reflecting its position as a smaller regional bank.
- P/E ratio of 7.95, suggesting a potentially undervalued stock relative to earnings.
- Profit margin of 21.9%, indicating strong profitability compared to industry peers.
- Dividend yield of 2.85%, offering an attractive income stream for investors.
- Beta of 0.42, indicating lower volatility compared to the overall market.
Who Are UBAB's Competitors?
UBAB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBTN Citizens Bancorp Investment, Inc. | $35.55 | +0.14% | $211M | 63 |
| CCFN Muncy Columbia Financial Corporation | $28.64 | +1.38% | $304M | 49 |
| FFMH First Farmers and Merchants Corporation | $63.20 | +0.00% | $250M | 62 |
| FIEB First IC Corporation | $20.49 | +0.00% | $186M | 52 |
| FXLG FS Bancorp | $51.99 | -1.72% | $215M | 54 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UBAB's Key Strengths?
Strong community ties and local market knowledge.
- Conservative lending practices and risk management.
- Experienced management team.
- Established branch network in Alabama.
What Are UBAB's Weaknesses?
Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on the Alabama economy.
- Limited brand recognition outside of Alabama.
What Could Drive UBAB Stock Higher?
Expansion of digital banking services to attract new customers.
- Strategic loan portfolio growth in key sectors.
- Focus on wealth management services to increase revenue streams.
- Potential geographic expansion within Alabama.
- Enhanced customer relationship management to improve customer loyalty.
What Are the Key Risks for UBAB?
Financial-distress signal — its Altman Z-Score of -0.24 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.
- Competition from larger regional and national banks.
- Economic downturn in Alabama impacting loan performance.
- Changes in banking regulations affecting compliance costs.
- Rising interest rates impacting net interest margin.
- Cybersecurity threats targeting banking operations.
What Are the Growth Opportunities for UBAB?
- Expansion of Digital Banking Services: United Bancorporation of Alabama, Inc. can drive growth by further investing in its digital banking platform. This includes enhancing mobile banking features, improving online account management, and offering digital lending solutions. The digital banking market is projected to grow significantly, with increasing adoption among both retail and commercial customers. By providing convenient and user-friendly digital services, UBAB can attract new customers and retain existing ones, expanding its market share within Alabama.
- Strategic Loan Portfolio Growth: UBAB can focus on expanding its loan portfolio, particularly in the areas of small business loans and real estate loans. By targeting specific sectors within its local market, the bank can capitalize on growth opportunities and increase its lending revenue. The demand for small business loans is expected to remain strong, driven by economic growth and entrepreneurial activity. By offering competitive rates and personalized service, UBAB can attract small business customers and build long-term relationships.
- Increased Focus on Wealth Management Services: United Bancorporation of Alabama, Inc. can expand its wealth management offerings to cater to the growing demand for investment and financial planning services. This includes offering personalized investment advice, retirement planning, and estate planning services. The wealth management market is expected to grow, driven by an aging population and increasing affluence. By providing comprehensive wealth management solutions, UBAB can attract high-net-worth clients and generate additional revenue streams.
- Geographic Expansion within Alabama: UBAB can pursue strategic geographic expansion within Alabama to increase its market presence and customer base. This includes opening new branches in underserved areas and acquiring smaller community banks. The Alabama banking market offers opportunities for growth, particularly in areas with strong economic growth and population growth. By expanding its geographic footprint, UBAB can reach new customers and increase its overall market share.
- Enhanced Customer Relationship Management: United Bancorporation of Alabama, Inc. can improve its customer relationship management (CRM) to enhance customer loyalty and drive revenue growth. This includes implementing a CRM system to track customer interactions, personalize marketing efforts, and provide targeted product offerings. By building stronger relationships with its customers, UBAB can increase customer retention and attract new customers through referrals. The CRM market is expected to grow, driven by the increasing importance of customer experience.
What Are UBAB's Competitive Advantages?
- Established local presence and community relationships.
- Strong understanding of the Alabama banking market.
- Personalized customer service and relationship banking.
- Conservative lending practices and risk management.
What Does UBAB Do?
United Bancorporation of Alabama, Inc. was established in 1904 and serves as the holding company for United Bank. Headquartered in Atmore, Alabama, the bank has deep roots in the local community, providing a comprehensive suite of commercial banking services. These services include a variety of deposit accounts such as checking, savings, certificates of deposit, and individual retirement accounts. For businesses, United Bank offers small business programs, business solutions, merchant services, and cash management services. Lending is a core part of United Bank's offerings, with personal loans, business loans, lines of credit, and equipment loans available. The bank also provides real estate loans, catering to the agricultural community with agribusiness loans and working lines of credit. To enhance customer convenience, United Bank offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. The bank also 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. distinguishes itself through its commitment to community banking, blending traditional values with modern financial solutions.
What Products and Services Does UBAB Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers certificates of deposit and individual retirement accounts.
- Provides personal loans, business loans, and lines of credit.
- Offers real estate loans for agricultural and commercial purposes.
- Provides debit cards, credit cards, and gift cards.
- Offers online and mobile banking services.
- Provides merchant services and cash management solutions for businesses.
How Does UBAB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management services for a fee.
- Manages risk through careful loan underwriting and diversification.
What Industry Does UBAB Operate In?
United Bancorporation of Alabama, Inc. operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also influenced by regulatory changes and interest rate fluctuations. Regional banks like UBAB differentiate themselves through personalized service and local market knowledge. The banking industry is undergoing digital transformation, with increasing adoption of mobile and online banking services. The company's focus on community banking positions it to capitalize on the demand for relationship-based financial services.
Who Are UBAB's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Agricultural businesses needing specialized financing.
- Commercial clients seeking cash management solutions.
Company Profile
United Bancorporation of Alabama, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Atmore, US. The company is led by CEO Michael R. Vincent. UBAB has traded publicly since 2007.
United Bancorporation of Alabama, Inc. Financial Trajectory
United Bancorporation of Alabama, Inc. (UBAB) reported $24.0M in revenue for Q2 2026, reflecting 2.4% growth compared to the prior quarter. The company recorded net income of $6.5M, with diluted EPS of $1.91. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, UBAB averaged $1.54 in diluted EPS.
How United Bancorporation of Alabama, Inc. Is Valued
United Bancorporation of Alabama, Inc. carries a market capitalization of $186M, placing it in the micro-cap category. Relative to its peer group, UBAB's quantitative score of 52/100 is roughly in line with the peer average of 56/100.
Key Financial Metrics
Return on equity for United Bancorporation of Alabama, Inc. stands at 7.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. UBAB trades at a trailing price-to-earnings ratio of 8.61, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.36 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.6%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
United Bancorporation of Alabama, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.24 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
United Bancorporation of Alabama, Inc. has missed Wall Street's EPS estimate in 5 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 2.6% above estimates on average.
Forward Outlook
Wall Street analysts project United Bancorporation of Alabama, Inc. revenue of about $102.6M for fiscal 2026, with EPS near $5.35.
UBAB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, with executives taking advantage of current prices.
- Community sentiment has shifted positively, as discussions around the bank's growth strategy have gained traction.
- The regional banking sector is showing signs of recovery, and United Bancorporation is well-positioned to capitalize on local economic growth.
- Increased focus on community engagement has enhanced the bank's reputation, attracting more customers and strengthening its market position.
Bear Case
- Concerns around rising interest rates have created uncertainty in the banking sector, impacting overall investor sentiment.
- Recent discussions in the community reflect worries about potential regulatory changes that could affect profitability.
- Some analysts believe that competition from larger banks could hinder United Bancorporation's growth prospects in the long term.
- Negative sentiment around regional banks as a whole has led to cautious attitudes among investors, with many opting to wait for clearer signals.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $24M | $6M | $1.91 |
| Q1 2026 | $23M | $6M | $1.80 |
| Q4 2025 | $22M | $4M | $1.15 |
| Q3 2025 | $23M | $5M | $1.29 |
Based on FMP financials and quantitative analysis
UBAB Latest News
No recent news available for UBAB.
UBAB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for UBAB.
Price Targets
Wall Street price target analysis for UBAB.
UBAB MoonshotScore
What does this score mean?
The MoonshotScore rates UBAB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Michael R. Vincent
CEO
Michael R. Vincent serves as the CEO of United Bancorporation of Alabama, Inc., leading a team of 177 employees. His career in the banking sector spans several decades, with a focus on community banking and financial management. He has held various leadership positions within the company, demonstrating a deep understanding of the bank's operations and strategic goals. Vincent's expertise includes lending, risk management, and customer relationship management. He is actively involved in community development initiatives, reflecting the bank's commitment to local economic growth.
Track Record: Under Michael R. Vincent's leadership, United Bancorporation of Alabama, Inc. has maintained a consistent track record of profitability and stability. He has overseen the expansion of the bank's digital banking services and the implementation of enhanced risk management practices. Vincent has also played a key role in strengthening the bank's relationships with its customers and the local community. His strategic decisions have contributed to the bank's continued success in a competitive market.
UBAB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that United Bancorporation of Alabama, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk and lower liquidity compared to listed securities.
- OTC Tier: OTC Other
- Limited financial disclosure and regulatory oversight.
- Lower liquidity and wider bid-ask spreads.
- Increased price volatility.
- Potential for fraud or manipulation.
- Higher risk of delisting or suspension of trading.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC investments.
- Established history dating back to 1904.
- Operation as a bank holding company for United Bank.
- Provision of commercial banking services.
- Membership in relevant industry associations.
- Physical presence with headquarters in Atmore, Alabama.
UBAB Financial Services Stock FAQ
What does the AI Score mean for UBAB?
UBAB holds an AI Score of 52/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. United Bancorporation of Alabama, Inc. is a bank holding company operating through its subsidiary, United Bank, offering a range of commercial banking services to individuals and businesses. With a …
What does United Bancorporation of Alabama, Inc. do?
United Bancorporation of Alabama, Inc. functions as the bank holding company for United Bank, a community-focused financial institution offering a comprehensive suite of banking services. These services encompass traditional deposit accounts like checking and savings, diverse lending options including personal, business, and real estate loans, and modern conveniences such as online and mobile banking.
What do analysts say about UBAB stock?
Analyst coverage of United Bancorporation of Alabama, Inc. (UBAB) is limited due to its smaller market capitalization and OTC listing. Key valuation metrics such as the P/E ratio of 7.95 and dividend yield of 2.85% may attract value-oriented investors. Growth considerations include the bank's ability to expand its digital banking services and increase loan volumes within its target markets.
What are the main risks for UBAB?
United Bancorporation of Alabama, Inc. faces several risks inherent to the banking industry and its specific market. Competition from larger regional and national banks poses a significant threat, potentially impacting market share and profitability. An economic downturn in Alabama could lead to increased loan defaults and reduced lending activity.
What are the key factors to evaluate for UBAB?
United Bancorporation of Alabama, Inc. (UBAB) holds an AI score of 52/100 (moderate). presents a compelling investment case based on its established presence in the Alabama banking market and its focus on community-oriented services. Not financial advice.
How frequently does UBAB data refresh on this page?
UBAB's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UBAB's recent stock price performance?
United Bancorporation of Alabama, Inc. (UBAB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community ties and local market knowledge. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UBAB overvalued or undervalued right now?
United Bancorporation of Alabama, Inc. (UBAB) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research UBAB before investing?
Before investing in United Bancorporation of Alabama, Inc. (UBAB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- Analyst coverage may be limited due to smaller market capitalization.