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United Bancorporation of Alabama, Inc. UBAB

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Price alert · UBAB

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62.00 USD 0.00 0.00%

At close · Oct 30

62.00 Day range 62.05
49.01 52-week range 66.00
YTD
+16.54%
1 year
+16.10%
Open
62.00
Prev close
62.00
Mkt cap
189.43M
Vol
4.03K
Avg vol
1.34K
EPS
6.15
P/E
10.08
More statistics
Low
62.00
High
62.05
Earnings
Jan 24, 2025

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Financial health

Altman Z-Score

0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 10.2×
FY 2016: 9.8×FY 2017: 11.6×FY 2018: 5.0×FY 2019: 9.9×FY 2020: 6.9×FY 2021: 6.1×FY 2022: 6.9×FY 2023: 4.7×FY 2024: 7.5×FY 2025: 10.2×
FY 2016 5y median 6.9× FY 2025
P/S 1.9×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 2.5×FY 2020: 1.9×FY 2021: 2.1×FY 2022: 2.2×FY 2023: 1.8×FY 2024: 2.2×FY 2025: 1.9×
FY 2016 5y median 2.1× FY 2025
P/B 0.6×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/FCF 5.9×
FY 2016: 6.4×FY 2017: 13.9×FY 2018: 5.2×FY 2019: 7.0×FY 2020: 12.2×FY 2021: 4.4×FY 2022: 5.7×FY 2023: 3.9×FY 2024: 5.8×FY 2025: 5.9×
FY 2016 5y median 5.7× FY 2025
EV/EBITDA 1.9×
FY 2016: 0.9×FY 2017: 0.6×FY 2018: 1.7×FY 2019: 1.4×FY 2020: -9.5×FY 2021: 0.9×FY 2022: -4.7×FY 2023: -0.7×FY 2024: 2.1×FY 2025: 1.9×
FY 2016 5y median 0.9× FY 2025
EV/Sales 0.6×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.7×FY 2019: 0.5×FY 2020: -3.6×FY 2021: 0.4×FY 2022: -2.1×FY 2023: -0.4×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
FCF Yield 16.8%
FY 2016: 15.6%FY 2017: 7.2%FY 2018: 19.4%FY 2019: 14.2%FY 2020: 8.2%FY 2021: 22.7%FY 2022: 17.5%FY 2023: 26.0%FY 2024: 17.3%FY 2025: 16.8%
FY 2016 5y median 17.5% FY 2025

Profitability

Gross Margin 77.6%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 89.6%FY 2019: 87.0%FY 2020: 86.9%FY 2021: 91.5%FY 2022: 90.3%FY 2023: 89.9%FY 2024: 79.8%FY 2025: 77.6%
FY 2016 5y median 89.9% FY 2025
Operating Margin 27.5%
FY 2016: 21.0%FY 2017: 23.3%FY 2018: 36.6%FY 2019: 32.8%FY 2020: 35.0%FY 2021: 43.4%FY 2022: 40.7%FY 2023: 48.5%FY 2024: 39.0%FY 2025: 27.5%
FY 2016 5y median 40.7% FY 2025
Net Margin 21.9%
FY 2016: 14.4%FY 2017: 12.8%FY 2018: 28.3%FY 2019: 25.7%FY 2020: 27.7%FY 2021: 33.6%FY 2022: 31.7%FY 2023: 37.3%FY 2024: 30.2%FY 2025: 21.9%
FY 2016 5y median 31.7% FY 2025
ROE 7.3%
FY 2016: 10.4%FY 2017: 9.2%FY 2018: 21.4%FY 2019: 11.8%FY 2020: 12.6%FY 2021: 16.9%FY 2022: 8.8%FY 2023: 12.7%FY 2024: 10.5%FY 2025: 7.3%
FY 2016 5y median 10.5% FY 2025
ROIC 1.4%
FY 2016: 1.6%FY 2017: 1.5%FY 2018: 16.2%FY 2019: 9.7%FY 2020: 10.4%FY 2021: 13.9%FY 2022: 8.1%FY 2023: 10.5%FY 2024: 9.0%FY 2025: 1.4%
FY 2016 5y median 9.0% FY 2025
ROA 1.4%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 1.6%FY 2019: 1.3%FY 2020: 1.2%FY 2021: 1.7%FY 2022: 1.3%FY 2023: 2.3%FY 2024: 2.0%FY 2025: 1.4%
FY 2016 5y median 1.7% FY 2025

Growth (YoY)

Revenue -3.0%
FY 2016: 13.9%FY 2017: 11.3%FY 2018: 28.7%FY 2019: 7.8%FY 2020: 15.6%FY 2021: 25.7%FY 2022: 6.9%FY 2023: 43.1%FY 2024: 9.6%FY 2025: -3.0%
FY 2016 FY 2025
Operating Income -31.5%
FY 2016: 28.4%FY 2017: 23.4%FY 2018: 102.3%FY 2019: -3.4%FY 2020: 23.4%FY 2021: 55.7%FY 2022: 0.3%FY 2023: 70.5%FY 2024: -11.9%FY 2025: -31.5%
FY 2016 FY 2025
EPS (diluted) -31.6%
FY 2016: 33.6%FY 2017: -2.0%FY 2018: 184.0%FY 2019: -30.1%FY 2020: 12.6%FY 2021: 51.2%FY 2022: 4.9%FY 2023: 72.4%FY 2024: -13.2%FY 2025: -31.6%
FY 2016 FY 2025
Free Cash Flow -15.2%
FY 2016: 3.6%FY 2017: -46.2%FY 2018: 230.0%FY 2019: 43.1%FY 2020: -49.8%FY 2021: 271.4%FY 2022: -12.3%FY 2023: 72.0%FY 2024: -10.3%FY 2025: -15.2%
FY 2016 FY 2025

Financial Health

Current Ratio 40.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 40.0×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 40.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 40.0×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.1×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -4.7×
FY 2016: -4.9×FY 2017: -5.1×FY 2018: -1.9×FY 2019: -5.8×FY 2020: -14.5×FY 2021: -3.6×FY 2022: -9.8×FY 2023: -4.2×FY 2024: -3.3×FY 2025: -4.7×
FY 2016 5y median -4.2× FY 2025
Interest Coverage 1.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 5.1×FY 2019: 3.9×FY 2020: 5.1×FY 2021: 8.4×FY 2022: 6.5×FY 2023: 5.5×FY 2024: 2.5×FY 2025: 1.5×
FY 2016 5y median 5.5× FY 2025

Dividends

Dividend Yield 3.9%
FY 2016: 1.5%FY 2017: 0.8%FY 2018: 0.7%FY 2019: 0.5%FY 2020: 1.3%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 2.0%FY 2024: 2.0%FY 2025: 3.9%
FY 2016 5y median 2.0% FY 2025
Payout Ratio 34.5%
FY 2016: 15.0%FY 2017: 9.0%FY 2018: 3.5%FY 2019: 5.0%FY 2020: 8.7%FY 2021: 5.5%FY 2022: 6.8%FY 2023: 9.4%FY 2024: 14.6%FY 2025: 34.5%
FY 2016 5y median 9.4% FY 2025

Annual · latest fiscal year ends 2025-12-31