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United Bancorporation of Alabama, Inc.

$66 +$13.10 (+24.76%)
OTC · 11 Sep 2026 20:00 UTC
Previous Close
$63.51
Day Range
$64.5$66
Year Range
$49.01$66
Market Cap
201.62M
AVG Volume
1.78K
Trailing/Forward PE
10.73/11.38
PEG ratio
1.28
Dividend Yield
2.14%
Next Earnings Date
2026-10-30
Primary Exchange
Other OTCUS
Revenue (USD)
025M50M75M100M2016201720182019202020212022202320242025
UBAB Revenue (USD) by year
PeriodRevenue (USD)
202589.89M
202492.6M
202384.73M
202259.18M
202154.43M
202043.71M
201937.98M
201831.73M
201724.96M
201622.71M
Net Income (USD)
010M20M30M40M2016201720182019202020212022202320242025
UBAB Net Income (USD) by year
PeriodNet Income (USD)
202519.67M
202427.63M
202331.54M
202218.69M
202118.53M
202012.17M
20199.78M
20189.99M
20173.5M
20163.33M
Operating Income (USD)
020M40M60M2016201720182019202020212022202320242025
UBAB Operating Income (USD) by year
PeriodOperating Income (USD)
202524.71M
202435.78M
202340.95M
202224.03M
202123.94M
202015.38M
201912.46M
201812.89M
20176.38M
20165.17M
EBITDA (USD)
020M40M60M2016201720182019202020212022202320242025
UBAB EBITDA (USD) by year
PeriodEBITDA (USD)
202524.71M
202435.78M
202340.95M
202224.03M
202123.94M
202015.38M
201912.46M
201812.89M
20170
20165.17M
Cash Flows (USD)
0250K500K750K1M2016201720182019202020212022202320242025
UBAB Cash Flows (USD) by year
PeriodCash Flows (USD)
20250
20240
20230
2022864.58K
20210
20200
20190
20180
20170
20160
EPS (USD)
02.557.5102016201720182019202020212022202320242025
UBAB EPS (USD) by year
PeriodEPS (USD)
20255.22
20247.65
20238.83
20225.13
20214.94
20203.28
20192.88
20184.1
20171.45
20161.37
Expenses (USD)
010M20M30M2016201720182019202020212022202320242025
UBAB Expenses (USD) by year
PeriodExpenses (USD)
202523.98M
202424.3M
202320.81M
202218.31M
202118.56M
202016.57M
201914.59M
201814.64M
201712.44M
201612.24M
Cash & Debt (USD)
0200M400M600MCashLong Term Debt2016201720182019202020212022202320242025
UBAB Cash & Debt (USD) by year
PeriodCash & Debt (USD)
2025450.45M
2024420.95M
2023486.91M
2022597.71M
2021392.86M
2020407.74M
2019217.81M
2018171.95M
201752.96M
201645.21M
Debt ratios
-10-7.5-5-2.5020182019202020212022202320242025
UBAB Debt ratios by year
PeriodDebt ratios
2025-3.35
2024-3.1
2023-4.28
2022-7.64
2021-5.71
2020-9.51
2019-6.53
2018-7.66
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
UBAB Margins by year
PeriodMargins
202577.59%
202479.84%
202389.92%
202290.3%
202191.37%
202086.89%
201987.04%
201893.92%
2017100%
2016100%
Return on Capital
0%10%20%30%2016201720182019202020212022202320242025
UBAB Return on Capital by year
PeriodReturn on Capital
20257.29%
202410.4%
202312.69%
20228.79%
202116.89%
202012.57%
201911.8%
201821.42%
20179.19%
20169.8%
Shares Outstanding
01M2M3M4M2016201720182019202020212022202320242025
UBAB Shares Outstanding by year
PeriodShares Outstanding
20253.18M
20243.46M
20233.62M
20223.6M
20213.76M
20203.74M
20193.7M
20182.45M
20172.23M
20162.42M
Dividends (USD)
00.511.52017201820192020202120222023202420252026
UBAB Dividends (USD) by year
PeriodDividends (USD)
20260.71
20251.4
20241.1
20230.6
20220.4
20210.28
20200.25
20190.21
20180.15
20170.14
Book Value Per Share (USD)
02550751002016201720182019202020212022202320242025
UBAB Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202584.7
202476.77
202368.59
202259.12
202129.21
202025.89
201922.37
201819.06
201717.06
201614.03
Total Assets (USD)
0500M1B1.5B2016201720182019202020212022202320242025
UBAB Total Assets (USD) by year
PeriodTotal Assets (USD)
20251.45B
20241.4B
20231.39B
20221.41B
20211.12B
2020988.71M
2019727.5M
2018637.58M
2017597.75M
2016558.57M
PE Ratio
46810med 7.04Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UBAB PE Ratio by year
PeriodPE Ratio
Sep 269.9
Sep 269.73
Aug 269.15
Aug 269.15
Aug 269.07
Aug 269
Jul 269
Jul 269.22
Jul 268.96
Jul 268.97
Jul 268.3
Jun 268.94
Jun 268.9
Jun 268.84
Jun 268.81
May 268.87
May 268.62
May 268.55
May 268.54
May 268.58
Apr 268.5
Apr 268.42
Apr 268.28
Apr 268.1
Mar 267.21
Mar 266.97
Mar 267.05
Mar 267.26
Feb 267.36
Feb 267.39
Feb 267.3
Feb 267.25
Jan 267.39
Jan 267.49
Jan 267.44
Jan 267.41
Jan 267.51
Dec 257.59
Dec 257.62
Dec 257.63
Dec 257.52
Nov 257.47
Nov 257.57
Nov 257.7
Nov 257.57
Oct 257.52
Oct 257.75
Oct 257.76
Oct 257.9
Oct 257.84
Sep 257.02
Sep 257.04
Sep 256.99
Sep 257.03
Aug 257.06
Aug 257.04
Aug 257
Aug 257
Aug 256.92
Jul 256.98
Jul 256.84
Jul 256.73
Jul 256.73
Jun 256.55
Jun 256.46
Jun 256.46
Jun 256.39
May 256.39
May 256.32
May 256.31
May 256.09
May 256.26
Apr 256.26
Apr 256.39
Apr 256.26
Apr 256.27
Mar 256.2
Mar 256.23
Mar 256.28
Mar 256.32
Feb 256.46
Feb 256.52
Feb 256.58
Feb 256.61
Jan 256.81
Jan 256.81
Jan 256.76
Jan 256.63
Jan 256.54
Dec 246.2
Dec 246.3
Dec 246.41
Dec 246.3
Nov 246.44
Nov 246.52
Nov 246.33
Nov 246.21
Nov 245.97
Oct 245.86
Oct 245.88
Free Cash Flow Yield
0%0.25%0.5%0.75%1%med 0%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UBAB Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 260%
Sep 260%
Aug 260%
Aug 260%
Aug 260%
Aug 260%
Jul 260%
Jul 260%
Jul 260%
Jul 260%
Jul 260%
Jun 260%
Jun 260%
Jun 260%
Jun 260%
May 260%
May 260%
May 260%
May 260%
May 260%
Apr 260%
Apr 260%
Apr 260%
Apr 260%
Mar 260%
Mar 260%
Mar 260%
Mar 260%
Feb 260%
Feb 260%
Feb 260%
Feb 260%
Jan 260%
Jan 260%
Jan 260%
Jan 260%
Jan 260%
Dec 250%
Dec 250%
Dec 250%
Dec 250%
Nov 250%
Nov 250%
Nov 250%
Nov 250%
Oct 250%
Oct 250%
Oct 250%
Oct 250%
Oct 250%
Sep 250%
Sep 250%
Sep 250%
Sep 250%
Aug 250%
Aug 250%
Aug 250%
Aug 250%
Aug 250%
Jul 250%
Jul 250%
Jul 250%
Jul 250%
Jun 250%
Jun 250%
Jun 250%
Jun 250%
May 250%
May 250%
May 250%
May 250%
May 250%
Apr 250%
Apr 250%
Apr 250%
Apr 250%
Mar 250%
Mar 250%
Mar 250%
Mar 250%
Feb 250%
Feb 250%
Feb 250%
Feb 250%
Jan 250%
Jan 250%
Jan 250%
Jan 250%
Jan 250%
Dec 240%
Dec 240%
Dec 240%
Dec 240%
Nov 240%
Nov 240%
Nov 240%
Nov 240%
Nov 240%
Oct 240%
Oct 240%
Price to Sales
1.61.822.22.4med 1.96Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UBAB Price to Sales by year
PeriodPrice to Sales
Sep 262.22
Sep 262.19
Aug 262.05
Aug 262.05
Aug 262.04
Aug 262.02
Jul 262.02
Jul 262.07
Jul 262.01
Jul 262.01
Jul 261.86
Jun 261.96
Jun 261.95
Jun 261.93
Jun 261.93
May 261.94
May 261.89
May 261.87
May 261.87
May 261.88
Apr 261.86
Apr 261.84
Apr 261.81
Apr 261.77
Mar 261.79
Mar 261.73
Mar 261.75
Mar 261.8
Feb 261.83
Feb 261.84
Feb 261.81
Feb 261.8
Jan 261.84
Jan 261.86
Jan 261.85
Jan 261.84
Jan 261.87
Dec 251.95
Dec 251.96
Dec 251.96
Dec 251.93
Nov 251.92
Nov 251.95
Nov 251.98
Nov 251.95
Oct 251.93
Oct 251.99
Oct 252
Oct 252.03
Oct 252.02
Sep 251.99
Sep 251.99
Sep 251.98
Sep 251.99
Aug 252
Aug 251.99
Aug 251.98
Aug 251.98
Aug 251.96
Jul 251.98
Jul 251.94
Jul 251.91
Jul 251.91
Jun 251.95
Jun 251.93
Jun 251.93
Jun 251.91
May 251.91
May 251.89
May 251.88
May 251.82
May 251.87
Apr 251.87
Apr 251.91
Apr 251.87
Apr 251.87
Mar 251.99
Mar 252
Mar 252.01
Mar 252.03
Feb 252.07
Feb 252.09
Feb 252.11
Feb 252.12
Jan 252.19
Jan 252.19
Jan 252.17
Jan 252.13
Jan 252.1
Dec 242.15
Dec 242.18
Dec 242.22
Dec 242.18
Nov 242.23
Nov 242.26
Nov 242.19
Nov 242.15
Nov 242.07
Oct 242.03
Oct 242.04
EV/EBITDA
-15-10-50510med -5.88Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UBAB EV/EBITDA by year
PeriodEV/EBITDA
Sep 26-7.59
Sep 26-7.72
Aug 26-8.2
Aug 26-8.2
Aug 26-8.26
Aug 26-8.32
Jul 26-8.31
Jul 26-8.13
Jul 26-8.35
Jul 26-8.34
Jul 26-8.88
Jun 26-9.88
Jun 26-9.91
Jun 26-9.97
Jun 26-9.99
May 26-9.94
May 26-10.14
May 26-10.2
May 26-10.2
May 26-10.17
Apr 26-10.24
Apr 26-10.3
Apr 26-10.41
Apr 26-10.55
Mar 265.4
Mar 265.21
Mar 265.27
Mar 265.44
Feb 265.52
Feb 265.54
Feb 265.47
Feb 265.43
Jan 265.54
Jan 265.62
Jan 265.58
Jan 265.56
Jan 265.64
Dec 25-7.27
Dec 25-7.24
Dec 25-7.23
Dec 25-7.32
Nov 25-7.36
Nov 25-7.28
Nov 25-7.18
Nov 25-7.28
Oct 25-7.32
Oct 25-7.14
Oct 25-7.13
Oct 25-7.02
Oct 25-7.07
Sep 25-5.84
Sep 25-5.83
Sep 25-5.87
Sep 25-5.84
Aug 25-5.81
Aug 25-5.83
Aug 25-5.86
Aug 25-5.86
Aug 25-5.92
Jul 25-5.87
Jul 25-5.98
Jul 25-6.07
Jul 25-6.07
Jun 25-5.76
Jun 25-5.82
Jun 25-5.82
Jun 25-5.88
May 25-5.88
May 25-5.94
May 25-5.94
May 25-6.11
May 25-5.98
Apr 25-5.98
Apr 25-5.88
Apr 25-5.98
Apr 25-5.97
Mar 25-5.15
Mar 25-5.13
Mar 25-5.1
Mar 25-5.06
Feb 25-4.95
Feb 25-4.91
Feb 25-4.86
Feb 25-4.84
Jan 25-4.69
Jan 25-4.69
Jan 25-4.73
Jan 25-4.82
Jan 25-4.9
Dec 24-5.22
Dec 24-5.14
Dec 24-5.05
Dec 24-5.14
Nov 24-5.03
Nov 24-4.97
Nov 24-5.12
Nov 24-5.21
Nov 24-5.39
Oct 24-5.48
Oct 24-5.46
Price/Operating Cashflow
140150160170180med 162.88Apr 23Jun 23Aug 23Oct 23Dec 23Feb 24Mar 24
UBAB Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Mar 24174.07
Mar 24170.96
Mar 24173.66
Mar 24174.07
Mar 24171.38
Feb 24174.9
Feb 24167.44
Feb 24169.51
Feb 24169.93
Jan 24172
Jan 24167.86
Jan 24168.48
Jan 24170.84
Dec 23172.41
Dec 23171.56
Dec 23171.14
Dec 23166.96
Dec 23160.7
Nov 23158.41
Nov 23158.62
Nov 23161.33
Nov 23164.84
Oct 23156.74
Oct 23152.36
Oct 23155.07
Oct 23159.12
Sep 23160.29
Sep 23162.88
Sep 23166.8
Sep 23170.52
Sep 23162.43
Aug 23160.88
Aug 23167.85
Aug 23172.56
Aug 23167.93
Jul 23171.31
Jul 23156.38
Jul 23159.51
Jul 23158.46
Jun 23166.72
Jun 23154.95
Jun 23145.59
Jun 23143.09
Jun 23145.59
May 23141.43
May 23144.55
May 23141.84
May 23152.28
Apr 23162.23
Apr 23162.23
Apr 23164.31
Apr 23160.15
Mar 23160.15
Price to Book
0.50.60.70.80.9med 0.67Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UBAB Price to Book by year
PeriodPrice to Book
Sep 260.74
Sep 260.72
Aug 260.68
Aug 260.68
Aug 260.68
Aug 260.67
Jul 260.67
Jul 260.69
Jul 260.67
Jul 260.67
Jul 260.62
Jun 260.65
Jun 260.65
Jun 260.64
Jun 260.64
May 260.65
May 260.63
May 260.62
May 260.62
May 260.63
Apr 260.62
Apr 260.61
Apr 260.6
Apr 260.59
Mar 260.6
Mar 260.58
Mar 260.58
Mar 260.6
Feb 260.61
Feb 260.61
Feb 260.61
Feb 260.6
Jan 260.61
Jan 260.62
Jan 260.62
Jan 260.61
Jan 260.62
Dec 250.66
Dec 250.66
Dec 250.66
Dec 250.65
Nov 250.65
Nov 250.66
Nov 250.67
Nov 250.66
Oct 250.65
Oct 250.67
Oct 250.67
Oct 250.69
Oct 250.68
Sep 250.69
Sep 250.69
Sep 250.68
Sep 250.69
Aug 250.69
Aug 250.69
Aug 250.68
Aug 250.68
Aug 250.68
Jul 250.68
Jul 250.67
Jul 250.66
Jul 250.66
Jun 250.68
Jun 250.67
Jun 250.67
Jun 250.66
May 250.66
May 250.66
May 250.66
May 250.63
May 250.65
Apr 250.65
Apr 250.66
Apr 250.65
Apr 250.65
Mar 250.69
Mar 250.7
Mar 250.7
Mar 250.71
Feb 250.72
Feb 250.73
Feb 250.74
Feb 250.74
Jan 250.76
Jan 250.76
Jan 250.76
Jan 250.74
Jan 250.73
Dec 240.77
Dec 240.78
Dec 240.79
Dec 240.78
Nov 240.8
Nov 240.81
Nov 240.78
Nov 240.77
Nov 240.74
Oct 240.72
Oct 240.73
United Bancorporation of Alabama, Inc.
UBAB
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News: UBAB

United Bancorporation of Alabama, Inc. Addresses Latest Letter from Merion Road Capital Management and Blue Hill Advisors

prnewswire.com · 9 Sep 2026

United Bancorporation of Alabama, Inc. Addresses Latest Letter from Merion Road Capital Management and Blue Hill Advisors

ATMORE, Ala., Sept. 9, 2026 /PRNewswire/ -- (OTCQX: UBAB) – United Bancorporation of Alabama, Inc. (the "Company" or "United") today issued the following statement in response to the recent public communication from Merion Road Capital Management and Blue Hill Advisors LLC (collectively, the "Activist Group"), which together purport to own approximately 2% of the Company's outstanding shares: United's Board of Directors (the "Board") and management team are fully committed to acting in the best interests of all stockholders, including the approximately 98% of the Company's investor base unassociated with the recently formed Activist Group.

MERION ROAD CAPITAL AND BLUE HILL ADVISORS REQUEST BOARD REPRESENTATION AT UNITED BANCORPORATION OF ALABAMA

prnewswire.com · 8 Sep 2026

MERION ROAD CAPITAL AND BLUE HILL ADVISORS REQUEST BOARD REPRESENTATION AT UNITED BANCORPORATION OF ALABAMA

Would Bring Much Needed Capital Allocation Expertise to the Board at Critical Juncture Cite Lack of Concrete Progress on Proposals Raised During Extended Engagement MIAMI, Sept. 8, 2026 /PRNewswire/ -- Merion Road Capital Management, LLC ("MRCM") and Blue Hill Advisors LLC ("BHA") (collectively, the "Investors"), shareholders of United Bancorporation of Alabama, Inc. ("UBAB" or the "Company") (OTCQX: UBAB), today sent a letter to the Company's Board of Directors formally requesting the appointment of MRCM Manager, Aaron Sallen, and BHA Managing Member, Jason Blumberg, as independent directors.

$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL

gurufocus.com · 18 Aug 2026

$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL

$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL

$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL

prnewswire.com · 18 Aug 2026

$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL

ATMORE, Ala., Aug. 18, 2026 /PRNewswire/ -- UB Community Development (UBCD), a community development partner of United Bank is pleased to announce its role in the $28 million New Markets Tax Credits (NMTC) financing for the redevelopment of a former apparel distribution facility into an assembly, manufacturing and distribution plant in Monroeville, Alabama.

United Bancorporation of Alabama, Inc. Announces Second Quarter Results

prnewswire.com · 5 Aug 2026

United Bancorporation of Alabama, Inc. Announces Second Quarter Results

Delivers net income and EPS growth for both 1H and Q2 Marks four consecutive quarters of deposit growth ATMORE, Ala., Aug. 5, 2026 /PRNewswire/ -- (OTCQX: UBAB) - United Bancorporation of Alabama, Inc. reported net income of $11.3 million for the six months ended June 30, 2026, compared to net income of $9.3 million for the same period last year, representing an approximate 21.5% increase.

UNITED BANCORPORATION OF ALABAMA, INC. ISSUES STATEMENT REGARDING MERION ROAD CAPITAL MANAGEMENT AND BLUE HILL ADVISORS

prnewswire.com · 8 Jul 2026

UNITED BANCORPORATION OF ALABAMA, INC. ISSUES STATEMENT REGARDING MERION ROAD CAPITAL MANAGEMENT AND BLUE HILL ADVISORS

ATMORE, Ala., July 8, 2026 /PRNewswire/ -- (OTCQX: UBAB) - United Bancorporation of Alabama, Inc. (the "Company"), the parent company of United Bank (the "Bank"), confirmed that it has received the letter jointly issued by Merion Road Capital Management and Blue Hill Advisors LLC on July 7, 2026.

Merion Road Capital Management and Blue Hill Advisors urge United Bancorporation of Alabama to return excess capital, improve profitability, and strengthen corporate governance

prnewswire.com · 7 Jul 2026

Merion Road Capital Management and Blue Hill Advisors urge United Bancorporation of Alabama to return excess capital, improve profitability, and strengthen corporate governance

MIAMI, July 7, 2026 /PRNewswire/ -- Merion Road Capital Management, LLC and Blue Hill Advisors LLC today issued a letter to United Bancorporation of Alabama, Inc (OTC: UBAB) urging the Board of Directors to execute a sizable tender offer utilizing its excess capital, improve operating efficiencies, and strengthen its corporate governance with a reassessment of its directors. A full copy of the letter is provided below: July 7, 2026 The Board of DirectorsUnited Bancorporation of Alabama, Inc.200 East Nashville AvenueAtmore AL, 36502 Attention: Michael Vincent, President and CEO, and the Board of Directors Merion Road Capital Management and Blue Hill Advisors (together, "we") have been investors in United Bancorporation of Alabama, Inc. ("UBAB" or the "Company") since 2022 and currently own approximately 2% of the outstanding shares.

United Bancorporation of Alabama, Inc. Announces Dividend

prnewswire.com · 18 Jun 2026

United Bancorporation of Alabama, Inc. Announces Dividend

ATMORE, Ala., June 18, 2026 /PRNewswire/ -- (OTCQX: UBAB)- United Bancorporation of Alabama, Inc. announces a semiannual dividend of $0.71 per share.

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