UBAB
United Bancorporation of Alabama, Inc.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Last price
61.00
▼ 0.01 (0.02%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
61.00
Prev close
61.01
Day high
61.00
Day low
61.00
Volume
115
Market cap
$186.38M
P/E (TTM)
9.90
52W range
49.01 – 61.50
Day trading desk
Gap from prior close
-0.02%
Prior close 61.01
VWAP
61.00
0.00% from price
Relative volume
0.06×
Quiet session
Session range
—
61.00 – 61.00
Position in range
—
—
ATR (14D)
0.28
0.47% of price
Prior day high
61.01
PDH
Prior day low
61.01
PDL
Bid / ask spread
—
Quote not published
Session volume
100
Avg 1.80K
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
+0.84%
+2.2%
1M
-0.25%
-4.0%
3M
+14.02%
+10.9%
6M
+17.31%
+6.2%
YTD
+14.66%
+2.4%
1Y
+10.41%
-9.6%
3Y
+49.88%
-24.3%
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)$6.16
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/E9.90
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
60.52
+0.79% from price
SMA 20
60.39
+1.01% from price
SMA 50
58.57
+4.14% from price
SMA 100
55.61
+9.69% from price
SMA 200
53.97
+13.03% from price
EMA 12
60.59
+0.67% from price
EMA 26
60.02
+1.63% from price
EMA 50
58.72
+3.88% from price
RSI (14)
68.9
Neutral
MACD (12,26,9)
0.57
Hist -0.06
ATR (14)
0.28
0.47% of price
Realised vol 30D
10.1%
Annualised
Bollinger upper
61.32
20, 2σ
Bollinger lower
59.45
20, 2σ
50 / 200 cross
Golden
58.57 vs 53.97
Trend bias
Above 200
+13.03%
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
-0.02
Less volatile than market
Correlation to SPY
-0.02
Largely independent
Realised vol 30D
10.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-14.0%
Peak to trough
Max drawdown 5Y
-21.4%
Peak to trough
ATR 14
0.28
0.47% 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 yield1.52%
Payout ratio22.89%
Ex-dividend dateJun 30, 2026
Next pay dateJan 15, 2026
Last split101:100
Split dateJun 28, 2010
Headlines
$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL
PR Newswire · 5d ago
United Bancorp Of Alabama Inc (UBAB) (Q2 2026) Earnings Call Highlights: Strong Earnings Growth ...
GuruFocus.com · 9d ago
United Bancorporation of Alabama, Inc. Announces Second Quarter Results
PR Newswire · 18d ago
Activist investors push Alabama bank to use its built-up equity
Banking Dive · 45d ago
UNITED BANCORPORATION OF ALABAMA, INC. ISSUES STATEMENT REGARDING MERION ROAD CAPITAL MANAGEMENT AND BLUE HILL ADVISORS
PR Newswire · 46d ago
Merion Road Capital Management and Blue Hill Advisors urge United Bancorporation of Alabama to return excess capital, improve profitability, and strengthen corporate governance
PR Newswire · 47d ago
United Bancorporation of Alabama, Inc. Announces Dividend
PR Newswire · 66d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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