United Bancorporation of Alabama Past Earnings Performance
Past criteria checks 3/6
United Bancorporation of Alabama has been growing earnings at an average annual rate of 24.2%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 18.6% per year. United Bancorporation of Alabama's return on equity is 11.3%, and it has net margins of 37.3%.
Key information
24.2%
Earnings growth rate
24.9%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 18.6% |
| Return on equity | 11.3% |
| Net Margin | 37.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How United Bancorporation of Alabama makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 82 | 30 | 26 | 0 |
| 30 Jun 24 | 82 | 32 | 25 | 0 |
| 31 Mar 24 | 79 | 31 | 24 | 0 |
| 31 Dec 23 | 79 | 32 | 24 | 0 |
| 30 Sep 23 | 68 | 26 | 23 | 0 |
| 30 Jun 23 | 65 | 25 | 22 | 0 |
| 31 Mar 23 | 62 | 23 | 22 | 0 |
| 31 Dec 22 | 56 | 19 | 21 | 0 |
| 30 Sep 22 | 52 | 17 | 21 | 0 |
| 30 Jun 22 | 51 | 14 | 21 | 0 |
| 31 Mar 22 | 54 | 18 | 20 | 0 |
| 31 Dec 21 | 54 | 19 | 19 | 0 |
| 30 Sep 21 | 50 | 17 | 18 | 0 |
| 30 Jun 21 | 46 | 16 | 18 | 0 |
| 31 Mar 21 | 42 | 13 | 18 | 0 |
| 31 Dec 20 | 40 | 12 | 17 | 0 |
| 30 Sep 20 | 40 | 13 | 17 | 0 |
| 30 Jun 20 | 41 | 14 | 16 | 0 |
| 31 Mar 20 | 36 | 11 | 16 | 0 |
| 31 Dec 19 | 34 | 10 | 15 | 0 |
| 30 Sep 19 | 31 | 9 | 15 | 0 |
| 30 Jun 19 | 31 | 7 | 15 | 0 |
| 31 Mar 19 | 34 | 10 | 14 | 0 |
| 31 Dec 18 | 33 | 10 | 14 | 0 |
| 30 Sep 18 | 32 | 8 | 12 | 0 |
| 30 Jun 18 | 31 | 8 | 13 | 0 |
| 31 Mar 18 | 26 | 4 | 15 | 0 |
| 31 Dec 17 | 25 | 3 | 12 | 0 |
| 30 Sep 17 | 24 | 4 | 12 | 0 |
| 30 Jun 17 | 24 | 4 | 12 | 0 |
| 31 Mar 17 | 23 | 4 | 12 | 0 |
| 31 Dec 16 | 23 | 3 | 12 | 0 |
| 30 Sep 16 | 22 | 3 | 12 | 0 |
| 30 Jun 16 | 22 | 3 | 12 | 0 |
| 31 Mar 16 | 21 | 3 | 12 | 0 |
| 31 Dec 15 | 22 | 3 | 12 | 0 |
| 30 Sep 15 | 22 | 3 | 11 | 0 |
| 30 Jun 15 | 21 | 2 | 11 | 0 |
| 31 Mar 15 | 21 | 2 | 11 | 0 |
| 31 Dec 14 | 20 | 2 | 11 | 0 |
| 31 Dec 13 | 19 | 1 | 11 | 0 |
Quality Earnings: UBAB has high quality earnings.
Growing Profit Margin: UBAB's current net profit margins (37.3%) are lower than last year (38.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UBAB's earnings have grown significantly by 24.2% per year over the past 5 years.
Accelerating Growth: UBAB's earnings growth over the past year (15.7%) is below its 5-year average (24.2% per year).
Earnings vs Industry: UBAB earnings growth over the past year (15.7%) exceeded the Banks industry -11.8%.
Return on Equity
High ROE: UBAB's Return on Equity (11.3%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 02:08 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
United Bancorporation of Alabama, Inc. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Christopher Marinac | Janney Montgomery Scott LLC |