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United Bancorporation of Alabama, Inc. (UBAB)
Atmore, AL, US
United Bancorporation of Alabama, Inc. operates as the parent entity for United Bank, delivering a full spectrum of commercial banking solutions. The company provides a diverse range of deposit products, including checking, savings, certificates of deposit, and individual retirement accounts. For businesses, it offers specialized programs, comprehensive business solutions, merchant services, and efficient cash management tools. Its lending portfolio encompasses personal loans, various business loans, lines of credit, and equipment financing. Additionally, the firm supports the agricultural community with real estate and agribusiness loans, alongside working lines of credit and overdraft services. Clients can also access conveniences such as debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further offerings include check cashing, check reordering, remote and mobile deposit options, secure personal storage compartments, web payment functionalities, and a suite of insurance, investment, and brokerage products, all complemented by robust online and mobile banking platforms. Founded in 1904, United Bancorporation of Alabama, Inc. is headquartered in Atmore, Alabama.
Based on only 2 articles — low confidence
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.15% | -0.27% | +2.97% | +1.96% | -2.03% | -1.00% | +8.15% | +54.46% | +88.11% | +563.35% | +248.81% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-02 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-3.0% Q1'26: +3.9% (vs Q1'25)
-
EPS growth-31.6% Q1'26: +26.8% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +31.1% (vs Q1'25)
-
ROIC— Q1'26: -20.6% (vs Q1'25)
-
Share dilution-6.6% Q1'26: -9.4% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 1.03× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|
| Revenue |
84.45M
est: 41.64M (+102.8%)
|
92.60M
est: 74.05M (+25.0%)
|
89.83M
est: 75.70M (+18.7%)
|
102.56M
102.56M – 102.56M
+35.5% YoY
|
117.10M
117.10M – 117.10M
+14.2% YoY
|
| EBITDA |
42.40M
est: 18.17M (+133.4%)
|
37.50M
est: 30.75M (+21.9%)
|
24.71M
est: 31.44M (-21.4%)
|
42.59M
42.59M – 42.59M
+35.5% YoY
|
48.63M
48.63M – 48.63M
+14.2% YoY
|
| EBIT |
40.97M
est: 17.21M (+138.1%)
|
36.09M
est: 29.49M (+22.4%)
|
24.71M
est: 30.14M (-18.0%)
|
40.84M
40.84M – 40.84M
+35.5% YoY
|
46.63M
46.63M – 46.63M
+14.2% YoY
|
| Net Income |
31.54M
est: 27.34M (+15.4%)
|
28.00M
est: 22.64M (+23.7%)
|
19.67M
est: 17.63M (+11.6%)
|
17.60M
17.60M – 17.60M
-0.2% YoY
|
19.08M
19.08M – 19.08M
+8.4% YoY
|
| SGA |
20.81M
est: 12.42M (+67.5%)
|
24.30M
est: 20.79M (+16.9%)
|
25.99M
est: 21.26M (+22.3%)
|
28.80M
28.80M – 28.80M
+35.5% YoY
|
32.88M
32.88M – 32.88M
+14.2% YoY
|
| EPS |
8.81
est: 7.76 (+13.5%)
|
7.65
est: 6.88 (+11.2%)
|
5.23
est: 5.36 (-2.4%)
|
5.35
5.35 – 5.35
-0.2% YoY
|
5.80
5.80 – 5.80
+8.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-06 | A | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-01 | A | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2013-06-09 | Cunningham Leslie H | Director | — | D | Stock Option | 2,000 | 14.85 | 29.7K | 0 | — | ↗ |
| 2012-01-11 | Andreoli Michael R | Director | P-Purchase | A | Cl A Common Stock | 890 | 3.50 | 3.1K | 10,946 | — | ↗ |
| 2011-12-31 | JUSTICE WILLIAM J | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2011-12-31 | JONES ROBERT R III | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2011-12-31 | CRIM L WALTER | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2011-12-30 | Andreoli Michael R | Director | P-Purchase | A | Cl A Common Stock | 18 | 1.75 | 31.50 | 10,056 | — | ↗ |
| 2011-12-21 | Andreoli Michael R | Director | P-Purchase | A | Cl A Common Stock | 1,500 | 1.75 | 2.6K | 10,038 | — | ↗ |
| 2011-12-15 | Andreoli Michael R | Director | P-Purchase | A | Cl A Common Stock | 2,000 | 1.95 | 3.9K | 8,538 | — | ↗ |
| 2011-07-18 | Andreoli Michael R | Director | J-Other | A | Cl A Common Stock | 1 | 0.00 | — | 8,538 | — | ↗ |
| 2011-02-21 | Andreoli Michael R | Director | P-Purchase | A | Cl A Common Stock | 1,500 | 1.75 | 2.6K | 10,038 | — | ↗ |
| 2010-12-31 | JUSTICE WILLIAM J | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-12-31 | JONES ROBERT R III | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-12-31 | CRIM L WALTER | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-12-31 | Andreoli Michael R | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-01-21 | JONES ROBERT R III | Director / Officer | J-Other | D | Cl A Common Stock | 316 | 0.00 | — | 57,727 | — | ↗ |
| 2009-12-31 | JUSTICE WILLIAM J | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2009-12-31 | JONES ROBERT R III | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2009-12-31 | CRIM L WALTER | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2009-12-31 | Andreoli Michael R | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2009-06-09 | Cunningham Leslie H | Director | — | D | Cl A Common Stock | 0 | 0.00 | — | 42,296 | — | ↗ |
| 2008-12-31 | JUSTICE WILLIAM J | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2008-12-31 | JONES ROBERT R III | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2008-12-31 | CRIM L WALTER | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2008-12-31 | Andreoli Michael R | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2008-01-29 | JUSTICE WILLIAM J | Director | P-Purchase | A | Cl A Common Stock | 160 | 14.00 | 2.2K | 33,842 | — | ↗ |
| 2007-12-31 | Trawick John Wayne | Director | A-Award | A | Nonstatutory Stock Option | 400 | 16.00 | 6.4K | 1,200 | — | ↗ |
| 2007-12-31 | JONES ROBERT R III | Director / Officer | A-Award | A | Nonstatutory Stock Option | 8,160 | 16.25 | 132.6K | 40,800 | — | ↗ |
| 2007-12-14 | JUSTICE WILLIAM J | Director | P-Purchase | A | Common Stock | 10 | 18.50 | 185.00 | 33,682 | — | ↗ |
| 2007-12-14 | CRIM L WALTER | Director | P-Purchase | A | Common Stock | 100 | 18.50 | 1.9K | 15,933 | — | ↗ |
| 2007-12-14 | Andreoli Michael R | Director | P-Purchase | A | Common Stock | 25 | 18.50 | 462.50 | 6,080 | — | ↗ |
| 2007-08-15 | Trawick John Wayne | Director | M-Exempt | D | Nonstatutory Stock Option | 800 | 16.00 | 12.8K | 1,200 | — | ↗ |
| 2007-02-27 | Andreoli Michael R | Director | A-Award | A | Common Shares | 40 | 18.50 | 740.00 | 5,917 | — | ↗ |
| 2007-02-14 | Andreoli Michael R | Director | P-Purchase | A | Common Shares | 1,000 | 17.25 | 17.3K | 5,878 | — | ↗ |
| 2007-02-08 | JUSTICE WILLIAM J | Director | P-Purchase | A | Common Shares | 2,000 | 17.25 | 34.5K | 33,148 | — | ↗ |
| 2007-02-01 | CRIM L WALTER | Director | P-Purchase | A | Common Shares | 1,500 | 17.25 | 25.9K | 15,673 | — | ↗ |
| 2007-01-11 | JUSTICE WILLIAM J | Director | P-Purchase | A | Class A Common Stock | 122 | 18.50 | 2.3K | 25,161 | — | ↗ |
| 2006-12-31 | Trawick John Wayne | Director | — | I | Class A Common Stock | 0 | 0.00 | — | 924 | — | ↗ |
| 2006-12-31 | CRIM L WALTER | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2006-12-31 | Andreoli Michael R | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2006-12-19 | Andreoli Michael R | Director | A-Award | A | Nonstatutory Stock Option | 600 | 15.65 | 9.4K | 4,000 | — | ↗ |
| 2006-06-13 | Trawick John Wayne | Director | A-Award | A | Nonstatutory Stock Options (NSO) | 500 | 16.00 | 8.0K | 3,400 | — | ↗ |
| 2006-05-03 | Trawick John Wayne | Director | — | D | Class A Common Stock | 0 | 0.00 | — | 2,090 | — | ↗ |
| 2006-01-10 | Andreoli Michael R | Director | A-Award | A | Nonstatutory Stock Options | 400 | 16.00 | 6.4K | 3,400 | — | ↗ |
| 2005-12-31 | JUSTICE WILLIAM J | Director | — | I | Cl A Common Stock | 0 | 0.00 | — | 5,888 | — | ↗ |
| 2005-12-31 | JONES ROBERT R III | Director / Officer | — | D | Cl A Common Stock | 0 | 0.00 | — | 46,656 | — | ↗ |
| 2005-12-28 | Andreoli Michael R | Director | M-Exempt | A | Class A Common Stock | 600 | 15.65 | 9.4K | 4,200 | — | ↗ |
| 2005-03-30 | Andreoli Michael R | Director | P-Purchase | A | Class A Common Stock | 800 | 15.00 | 12.0K | 3,522 | — | ↗ |
| 2002-05-09 | Andreoli Michael R | Director | A-Award | A | Nonstatutory Stock Option | 400 | 15.65 | 6.3K | 3,400 | — | ↗ |
| 2001-12-22 | Trawick John Wayne | Director | — | D | Nonstatutory Stock Options (NSO) | 400 | 8.00 | 3.2K | 0 | — | ↗ |
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jamie Lipham | Executive Vice President & Chief Banking Officer | 133.9K | male |
| Brooke Marsh | Vice President & Corporate Secretary | — | — |
| Carolyn Faulkner | Controller | — | — |
| David Stewart | Executive Vice President & Chief Credit Officer | — | — |
| Justin S. Jennings | Executive Vice President & Chief Revenue Officer | — | male |
| Kendell S. Lewis | Executive Vice President, Chief Innovation & Technology Officer | — | — |
| Leah Vick | Executive Vice President & Chief Risk Officer of United Bancorporation | — | — |
| Leigh Anne Russell-Jones | Executive Vice President & Chief Financial Officer | — | female |
| Alex Leigh Russell Jones | Executive Vice President & President of UB Community Development, LLC | — | male |
| Michael R. Vincent | President, Chief Executive Officer & Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UBAB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
