UBAB
United Bancorporation of Alabama, Inc.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Neutral
+6/100
Last price
61.00
▼ 1.00 (1.61%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
61.50
Prev close
62.00
Day high
61.50
Day low
61.00
Volume
625
Market cap
$186.38M
P/E (TTM)
9.92
52W range
49.01 – 66.00
Day trading desk
Gap from prior close
-0.81%
Prior close 62.00
VWAP
61.00
0.00% from price
Relative volume
0.25×
Quiet session
Session range
0.82%
61.00 – 61.50
Position in range
0%
Near session low
ATR (14D)
0.49
0.81% of price
Prior day high
62.16
PDH
Prior day low
62.00
PDL
Bid / ask spread
—
Quote not published
Session volume
225
Avg 884
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-3.80%
-5.7%
1M
-6.44%
-7.9%
3M
+2.52%
-0.9%
6M
+21.39%
+6.4%
YTD
+14.66%
+0.7%
1Y
+10.21%
-5.5%
3Y
+58.94%
-22.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UBAB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap$186.38M
Enterprise value$174.62M
Revenue (TTM)$73.60M
Gross profit$73.60M
EBITDA—
Net income$19.20M
EPS (TTM)$6.15
Free cash flow—
Total cash$166.04M
Total debt$30.53M
Book value / share$50.14
Shares outstanding3.06M
Float—
Short % of float—
Dividend yield2.33%
Beta (5Y)0.45
Valuation & profitability ratios
Trailing P/E9.92
Forward P/E10.52
PEG ratio—
Price / sales—
Price / book1.22
EV / revenue2.37
EV / EBITDA—
Gross margin0.00%
Operating margin40.92%
Profit margin29.45%
Return on equity7.89%
Return on assets1.49%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $70.87M | $78.28M | $77.02M | $55.33M | -9.5% |
| Operating revenue | $70.87M | $78.28M | $77.02M | $55.33M | -9.5% |
| Selling, general & admin | $23.82M | $24.30M | $20.81M | $18.31M | -2.0% |
| Pre-tax income | $24.71M | $36.09M | $40.97M | $24.02M | -31.5% |
| Tax provision | $5.04M | $8.09M | $9.43M | $5.34M | -37.7% |
| Net income | $19.67M | $28.00M | $31.54M | $18.68M | -29.7% |
| Net income to common | $17.20M | $26.95M | $31.54M | $18.68M | -36.2% |
| Basic EPS | 5.23 | 7.65 | 8.81 | 5.11 | -31.6% |
| Diluted EPS | 5.23 | 7.65 | 8.81 | 5.11 | -31.6% |
| Basic shares | 3.29M | 3.52M | 3.58M | 3.65M | -6.6% |
| Diluted shares | 3.29M | 3.52M | 3.58M | 3.65M | -6.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $154.53M | $156.39M | $220.86M | $269.10M | -1.2% |
| Accounts receivable | $9.70M | $9.14M | $8.27M | $6.26M | +6.1% |
| Property, plant & equipment | $16.21M | $16.59M | $13.84M | $16.95M | -2.3% |
| Goodwill & intangibles | $6.89M | $6.96M | $7.03M | $7.09M | -1.0% |
| Total assets | $1.45B | $1.40B | $1.39B | $1.41B | +3.6% |
| Long-term debt | $30.28M | $33.97M | $40.79M | $18.94M | -10.9% |
| Total debt | $30.28M | $33.97M | $40.79M | $18.94M | -10.9% |
| Total liabilities | $1.18B | $1.13B | $1.14B | $1.19B | +4.1% |
| Retained earnings | $147.11M | $145.30M | $122.16M | $96.56M | +1.2% |
| Shareholder equity | $269.73M | $265.71M | $248.64M | $212.61M | +1.5% |
| Net tangible assets | $262.84M | $258.75M | $241.61M | $205.51M | +1.6% |
| Shares issued | 3.06M | 3.37M | 3.88M | 3.79M | -9.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $19.67M | $28.00M | $31.54M | $18.68M | -29.7% |
| Depreciation & amortisation | $1.52M | $1.40M | $1.43M | $1.56M | +8.4% |
| Stock-based compensation | $445.04K | $4.18M | $1.03M | $864.58K | -89.3% |
| Change in working capital | $4.32M | -$1.32M | -$3.05M | $938.57K | +427.6% |
| Operating cash flow | $30.53M | $39.83M | $39.08M | $24.32M | -23.3% |
| Capital expenditure | -$1.09M | -$5.11M | -$390.18K | -$1.83M | +78.7% |
| Investing cash flow | -$44.90M | -$72.17M | -$19.56M | -$162.75M | +37.8% |
| Share buybacks | -$17.51M | -$37.52K | -$3.69M | -$5.39M | -46,572.6% |
| Dividends paid | -$6.80M | -$4.08M | -$2.95M | -$1.26M | -66.7% |
| Financing cash flow | $19.29M | -$21.10M | -$63.80M | $298.93M | +191.4% |
| Free cash flow | $29.44M | $34.72M | $38.69M | $22.49M | -15.2% |
| End cash position | $187.89M | $182.97M | $236.41M | $280.68M | +2.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $19.82M | $19.37M | $17.57M | $18.68M | $18.82M | +2.3% |
| Operating revenue | $19.82M | $19.37M | $17.57M | $18.68M | $18.82M | +2.3% |
| Selling, general & admin | $6.35M | $5.89M | $5.61M | $5.67M | $5.16M | +7.9% |
| Pre-tax income | $8.07M | $7.28M | $5.35M | $6.36M | $6.89M | +10.7% |
| Tax provision | $1.60M | $1.17M | $1.08M | $1.18M | $1.49M | +36.9% |
| Net income | $6.46M | $6.11M | $4.27M | $5.17M | $5.40M | +5.7% |
| Net income to common | $5.84M | $5.49M | $3.66M | $4.55M | $4.78M | +6.4% |
| Basic EPS | 1.91 | 1.80 | 1.15 | 1.36 | 1.42 | +6.1% |
| Diluted EPS | 1.91 | 1.80 | 1.15 | 1.36 | 1.42 | +6.1% |
| Basic shares | 3.06M | 3.06M | 3.18M | 3.35M | 3.37M | +0.1% |
| Diluted shares | 3.06M | 3.06M | 3.18M | 3.35M | 3.37M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $106.93M | $120.76M | $154.53M | $147.17M | $138.96M | -11.4% |
| Accounts receivable | $9.62M | $9.47M | $9.70M | $9.53M | $8.94M | +1.5% |
| Property, plant & equipment | $15.99M | $16.22M | $16.21M | $16.78M | $16.70M | -1.4% |
| Goodwill & intangibles | $6.86M | $6.87M | $6.89M | $6.92M | $6.94M | -0.2% |
| Total assets | $1.49B | $1.46B | $1.45B | $1.42B | $1.40B | +2.0% |
| Long-term debt | $30.53M | $29.93M | $30.28M | $33.34M | $33.66M | +2.0% |
| Total debt | $30.53M | $29.93M | $30.28M | $33.34M | $33.66M | +2.0% |
| Total liabilities | $1.21B | $1.18B | $1.18B | $1.15B | $1.13B | +2.1% |
| Retained earnings | $155.72M | $152.36M | $147.11M | $150.35M | $150.07M | +2.2% |
| Shareholder equity | $276.95M | $273.84M | $269.73M | $272.32M | $274.19M | +1.1% |
| Net tangible assets | $270.09M | $266.97M | $262.84M | $265.39M | $267.25M | +1.2% |
| Shares issued | 3.05M | 3.05M | 3.06M | 3.37M | 3.37M | 0.0% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Dec 2025 | 1.29 | 1.15 | -10.9% |
| Sep 2025 | — | 1.29 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions8.20%
Institutions holding2
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
63.33
-3.68% from price
SMA 20
64.05
-4.76% from price
SMA 50
62.41
-2.26% from price
SMA 100
59.36
+2.77% from price
SMA 200
55.56
+9.80% from price
EMA 12
63.09
-3.32% from price
EMA 26
63.25
-3.55% from price
EMA 50
62.26
-2.03% from price
RSI (14)
32.6
Neutral
MACD (12,26,9)
-0.15
Hist -0.53
ATR (14)
0.49
0.81% of price
Realised vol 30D
21.3%
Annualised
Bollinger upper
66.48
20, 2σ
Bollinger lower
61.61
20, 2σ
50 / 200 cross
Golden
62.41 vs 55.56
Trend bias
Above 200
+9.80%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.01
Less volatile than market
Correlation to SPY
0.01
Largely independent
Realised vol 30D
21.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.2%
Peak to trough
Max drawdown 5Y
-21.4%
Peak to trough
ATR 14
0.49
0.81% of price
Beta (reported)
0.45
5Y monthly, from filing
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 19, 21 | Janney Capital | INITIATED | — | Buy |
Dividends & splits
Forward rate$1.42 / yr
Forward yield2.33%
5-year avg yield1.39%
Payout ratio22.89%
Ex-dividend dateJun 30, 2026
Next pay dateJul 15, 2026
Last split101:100
Split dateJun 28, 2010
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.