United Bancorporation of Alabama
Market Cap
US$73.7m
Last Updated
2019/08/19 23:55 UTC
Data Sources
Company Financials
Executive Summary
United Bancorporation of Alabama, Inc. operates as the holding company for United Bank that provides commercial banking services.
Snowflake
Fundamentals
Flawless balance sheet with solid track record.
Risks
- United Bancorporation of Alabama is not covered by any analysts.
Share Price & News
How has United Bancorporation of Alabama's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.2%
OTCPK:UBAB
0.3%
US Banks
0.9%
US Market
1 Year Return
-6.3%
OTCPK:UBAB
-13.6%
US Banks
0.3%
US Market
UBAB outperformed the Banks industry which returned -14.2% over the past year.
UBAB underperformed the Market in United States of America which returned -0.5% over the past year.
Share holder returns
| UBAB | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.2% | 0.3% | 0.9% |
| 30 Day | 0.2% | -5.1% | -1.9% |
| 90 Day | -1.0% | -3.5% | 1.6% |
| 1 Year | -5.6%-6.3% | -11.2%-13.6% | 2.6%0.3% |
| 3 Year | 129.6%123.9% | 43.6%33.7% | 41.0%31.8% |
| 5 Year | 175.6%160.0% | 53.7%37.0% | 55.2%38.0% |
Price Volatility Vs. Market
How volatile is United Bancorporation of Alabama's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is United Bancorporation of Alabama undervalued based on future cash flows and its price relative to the stock market?
6%
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
United Bancorporation of Alabama's share price is below the future cash flow value, but not at a moderate discount (< 20%).
United Bancorporation of Alabama's share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
United Bancorporation of Alabama is good value based on earnings compared to the US Banks industry average.
United Bancorporation of Alabama is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for United Bancorporation of Alabama, we can't assess if its growth is good value.
Price Based on Value of Assets
United Bancorporation of Alabama is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is United Bancorporation of Alabama expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
-7.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if United Bancorporation of Alabama is high growth as no revenue estimate data is available.
United Bancorporation of Alabama's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
Unable to compare United Bancorporation of Alabama's revenue growth to the United States of America market average as no estimate data is available.
United Bancorporation of Alabama's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
United Bancorporation of Alabama's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if United Bancorporation of Alabama will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has United Bancorporation of Alabama performed over the past 5 years?
36.0%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
United Bancorporation of Alabama has delivered over 20% year on year earnings growth in the past 5 years.
United Bancorporation of Alabama's 1-year earnings growth exceeds its 5-year average (185.8% vs 36%)
United Bancorporation of Alabama's earnings growth has exceeded the US Banks industry average in the past year (185.8% vs 33.2%).
Return on Equity
United Bancorporation of Alabama has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
Return on Assets
United Bancorporation of Alabama used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if United Bancorporation of Alabama improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is United Bancorporation of Alabama's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
United Bancorporation of Alabama has an acceptable proportion of non-loan assets held.
United Bancorporation of Alabama has a sufficient allowance for bad loans.
United Bancorporation of Alabama's liabilities are made up of primarily low risk sources of funding.
United Bancorporation of Alabama's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at United Bancorporation of Alabama are broadly funded by customer deposits.
United Bancorporation of Alabama has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is United Bancorporation of Alabama's current dividend yield, its reliability and sustainability?
0.79%
Current Dividend Yield
Dividend Yield and Payments Analysis
United Bancorporation of Alabama's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
United Bancorporation of Alabama's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).
United Bancorporation of Alabama is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.
United Bancorporation of Alabama is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.
Current Payout to Shareholders
No need to calculate the sustainability of United Bancorporation of Alabama's dividends as it is not paying a notable one for United States of America.
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of United Bancorporation of Alabama's salary, the management and board of directors tenure and is there insider trading?
13.1yrs
Average board tenure
CEO
Bob Jones (67yo)
13.3yrs
Tenure
US$413,657
Compensation
Mr. Robert R. Jones III, also known as Bob joined United Bank in 1990 and became President and CEO in 1992. He serves on the Auburn Magazine Board of Directors, the Industrial Development Board for the Cit ...
Board Age and Tenure
13.1yrs
Average Tenure
65yo
Average Age
The average tenure for the United Bancorporation of Alabama board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Insider Trading
No 3 month open market individual insider trading information.
Ownership Breakdown
Management Team
Bob Jones (67yo)
President
- Tenure: 13.3yrs
- Compensation: US$413.66k
Tina Brooks
VP & Corporate Secretary
- Tenure: 0.0yrs
Gwen Braden
Chief Operations Officer
- Tenure: 6.3yrs
Mike Vincent
Chief Credit Officer
- Tenure: 0.0yrs
Leigh Russell-Jones
Chief Financial Officer
- Tenure: 0.0yrs
Alex Jones
President of UB Community Development
- Tenure: 0.0yrs
Justin Jennings
Chief Retail Officer
- Tenure: 0.0yrs
Carolyn Faulkner
Controller
- Tenure: 0.0yrs
Board Members
L. Crim (73yo)
Director
- Tenure: 22.6yrs
- Compensation: US$18.45k
Dale Ash (59yo)
Director
- Tenure: 17.6yrs
- Compensation: US$18.60k
Bob Jones (67yo)
President
- Tenure: 13.3yrs
- Compensation: US$413.66k
David Swift (68yo)
Chairman of the Board
- Tenure: 5.6yrs
- Compensation: US$22.85k
Michael Andreoli (57yo)
Director
- Tenure: 15.3yrs
- Compensation: US$18.60k
Richard Maxwell (67yo)
Director
- Tenure: 10.9yrs
- Compensation: US$17.85k
Ricky Smith (63yo)
Director
- Tenure: 7.1yrs
Charles Cottrell (62yo)
Director
- Tenure: 2.3yrs
Company Information
United Bancorporation of Alabama, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: United Bancorporation of Alabama, Inc.
- Ticker: UBAB
- Exchange: OTCPK
- Founded: 1904
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$73.657m
- Shares outstanding: 3.66m
- Website: https://www.unitedbank.com
Location
- United Bancorporation of Alabama, Inc.
- 200 East Nashville Avenue
- PO Box 8
- Atmore
- Alabama
- 36502
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| UBAB | OTCPK (Pink Sheets LLC) | Yes | Class A Common Stock | US | USD | Aug 2004 |
Biography
United Bancorporation of Alabama, Inc. operates as the holding company for United Bank that provides commercial banking services. The company offers checking and savings accounts, certificates of deposit, ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/19 23:55 |
| End of Day Share Price | 2019/08/19 00:00 |
| Earnings | 2018/12/31 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.