/UBAB

UBAB Stock - United Bancorporation of Alabama, Inc.

Q: What is the analyst price target for UBAB?

Analyst price target information is not currently available for UBAB.

Q: What is UBAB's market cap?

Market capitalization information is not currently available for UBAB.

Financial Services|Banks - Regional|OTC

$51.97-0.34%

$0.18 (-0.34%) • Jan 13

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $57.17

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.43

52W High$59.50

52W Low$48.10

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$92.60M	$84.45M	$59.02M	$55.18M	$43.91M
Gross Profit	$73.92M	$75.91M	$53.28M	$50.49M	$38.15M
Gross Margin	79.8%	89.9%	90.3%	91.5%	86.9%
Operating Income	$36.09M	$40.97M	$24.02M	$23.94M	$15.38M
Net Income	$28.00M	$31.54M	$18.68M	$18.53M	$12.17M
Net Margin	30.2%	37.3%	31.7%	33.6%	27.7%
EPS	$7.65	$8.81	$5.11	$4.87	$3.22

Company Overview

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.

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Earnings History & Surprises

UBAB

Beat Rate

72%

Last 18 quarters

Avg Surprise

+20.5%

EPS vs Estimate

Beats / Misses

13/5

Last 12 quarters

Latest EPS

$1.29

Q4 2025

EPS Surprise History

Q1 24

+58.6%

$2.95vs$1.86

Q2 24

+2.3%

$1.75vs$1.71

Q3 24

+2.3%

$1.75vs$1.71

Q4 24

-6.0%

$1.57vs$1.67

Q1 25

+16.3%

$2.00vs$1.72

Q2 25

-17.9%

$1.42vs$1.73

Q3 25

-23.6%

$1.36vs$1.78

Q4 25

-22.8%

$1.29vs$1.67

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 23, 2026	—	—	—	—
Q1 2026	Jan 30, 2026	$1.29	—	—	—
Q4 2025	Oct 31, 2025	$1.67	$1.29	-22.8%	✗ MISS
Q3 2025	Jul 31, 2025	$1.78	$1.36	-23.6%	✗ MISS
Q2 2025	Apr 25, 2025	$1.73	$1.42	-17.9%	✗ MISS
Q1 2025	Jan 31, 2025	$1.72	$2.00	+16.3%	✓ BEAT
Q4 2024	Oct 25, 2024	$1.67	$1.57	-6.0%	✗ MISS
Q3 2024	Jul 26, 2024	$1.71	$1.75	+2.3%	✓ BEAT
Q2 2024	Apr 26, 2024	$1.71	$1.75	+2.3%	✓ BEAT
Q1 2024	Jan 26, 2024	$1.86	$2.95	+58.6%	✓ BEAT
Q4 2023	Nov 6, 2023	$1.72	$1.99	+15.7%	✓ BEAT
Q3 2023	Aug 14, 2023	$1.38	$2.02	+46.4%	✓ BEAT
Q2 2023	Apr 28, 2023	$1.32	$1.87	+41.7%	✓ BEAT
Q1 2023	Jan 27, 2023	$0.98	$1.43	+45.9%	✓ BEAT
Q4 2022	Oct 28, 2022	$0.97	$1.58	+62.9%	✓ BEAT
Q3 2022	Jul 21, 2022	$0.75	$1.36	+81.3%	✓ BEAT
Q2 2022	Apr 26, 2022	$0.86	$0.76	-11.6%	✗ MISS
Q1 2022	Jan 31, 2022	$0.80	$0.87	+8.7%	✓ BEAT
Q4 2021	Oct 28, 2021	$0.58	$0.89	+53.4%	✓ BEAT
Q3 2021	Jul 23, 2021	$1.93	$2.22	+15.0%	✓ BEAT

Frequently Asked Questions about UBAB

What is UBAB's current stock price?

United Bancorporation of Alabama, Inc. (UBAB) is currently trading at $51.97 per share. The stock has moved -0.34% today.

What is the analyst price target for UBAB?

No analyst price targets are currently available for this stock.

What sector is United Bancorporation of Alabama, Inc. in?

United Bancorporation of Alabama, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the OTC exchange.

What is UBAB's market cap?

United Bancorporation of Alabama, Inc. has a market capitalization of $0.17 billion, making it a small-cap company.

Does UBAB pay dividends?

No, United Bancorporation of Alabama, Inc. does not currently pay a dividend to shareholders.