Stock UBAB UNITED BANCORPORATION OF ALABAMA, INC.
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Financials United Bancorporation of Alabama, Inc.

Equities

UBAB

US90944R1005

Banks

Market Closed - OTC Markets
Other stock markets
 15:39:08 2024-05-17 EDT 		5-day change 1st Jan Change
46.25 USD +5.11% Intraday chart for United Bancorporation of Alabama, Inc. +10.12% +11.18%
04-26 United Bancorporation of Alabama, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
01-15 United Bancorporation of Alabama, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Capitalization 1 83.04 111.7 126.5 155.7 155.7 -
Enterprise Value (EV) 1 83.04 111.7 126.5 146.6 155.7 155.7
P/E ratio 6.8 x 6.11 x 6.89 x 4.79 x 6.72 x 6.74 x
Yield 1.12% 0.94% - 1.44% 2.68% 2.68%
Capitalization / Revenue 3,168,689 x 3,399,483 x - - - -
EV / Revenue 3,168,689 x 3,399,483 x - - - -
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.86 x 1.02 x - 0.59 x 1.13 x 0.99 x
Nbr of stocks (in thousands) 3,732 3,756 3,593 3,539 3,539 -
Reference price 2 22.25 29.74 35.20 46.25 46.25 46.25
Announcement Date 21-01-21 22-01-20 23-01-28 24-01-26 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net sales 26.21 32.86 - - - -
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 15.37 23.95 - 40.97 32.32 30.96
Net income 1 12.17 18.53 18.68 31.54 23.65 22.68
Net margin 46.43% 56.39% - - - -
EPS 2 3.270 4.870 5.110 8.690 6.880 6.860
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.2500 0.2800 - 0.6000 1.240 1.240
Announcement Date 21-01-21 22-01-20 23-01-28 24-01-26 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 Q4 2021 Q1 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2
Net sales 6.759 7.387 7.329 9.114 8.979 8.559 9.072 11.67 - - - - - -
EBITDA - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 2.015 4.608 10.92 4.264 4.142 3.636 6.417 7.339 8.709 9.295 8.02 8.51 7.8 7.98
Net income 1 1.555 3.578 8.331 3.3 3.266 2.877 4.981 5.673 6.726 7.28 6.2 6.57 6.01 6.14
Net margin 23% 48.44% 113.67% 36.21% 36.37% 33.61% 54.91% 48.62% - - - - - -
EPS 2 0.4200 0.9600 2.220 0.8900 0.8700 0.7600 1.360 1.580 1.870 2.020 1.720 1.860 1.710 1.780
Dividend per Share 2 0.1500 - 0.1200 - 0.1600 - 0.1800 - - 0.2500 - 0.2500 - -
Announcement Date 21-01-21 21-04-22 21-07-23 21-10-26 22-01-20 22-04-26 22-07-21 22-10-28 23-04-28 23-07-28 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 13.1% 17.9% - - - -
ROA (Net income/ Total Assets) 1.38% 1.76% - 2.05% 1.79% 1.65%
Assets 1 881.8 1,052 - 1,352 1,321 1,375
Book Value Per Share 2 25.90 29.10 - 70.30 41.10 46.70
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 21-01-21 22-01-20 23-01-28 24-01-26 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
46.25 USD
Average target price
54.5 USD
Spread / Average Target
+17.84%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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