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United Bancorporation of Alabama, Inc. UBAB | OTC

$60.70 -$0.30 | -0.49%

TREND SIGNAL: Signal available — unlock to view

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|2026-10-07

Next Earnings: Oct 23, 2026

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Company Overview:

Market Cap: $185.72M

Trailing PE: 9.9x

FWD PE *: 10.8x

Payout Ratio (TTM): 0.0%

52-Week Range: $49.01 - $66.00

* Forward PE is based on street estimates.

10 Year UBAB Performance Metrics:

Total Return (with DRIP): 534% (20.28% CAGR)

Total Return (no DRIP): 501% (19.64% CAGR)

Share Price: 452.8% (18.65% CAGR)

Yield on Cost (with DRIP): 14.82%

Total Invested: $10,000

Total Value (with DRIP): $63,355

Total Return $ (with DRIP): $53,355

Dividend Increase: 977% (28.42% CAGR)

Dividend Yield (FWD): 2.34% ($1.42)

UBAB 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

UBAB Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

UBAB Price CAGR:1Y: 9.57%2Y: 8.04%5Y: 15.37%10Y: 18.65%

UBAB Dividend Charts

UBAB - Dividends

UBAB Dividend CAGR:1Y: 1.43%2Y: 19.16%5Y: 42.70%10Y: 27.01%

UBAB - Dividend Payout Ratio

UBAB Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Dividend to Free Cash Flow Ratio

UBAB Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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UBAB Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

UBAB - Revenue

UBAB Revenue CAGR:1Y: 5.87%2Y: 6.41%5Y: 6.33%10Y: 15.24%

UBAB - Earnings Per Share (EPS)

UBAB EPS CAGR:1Y: 40.44%2Y: -8.07%5Y: -2.96%10Y: 18.16%

UBAB - Net Income

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UBAB Net Income CAGR:1Y: 24.90%2Y: -10.19%5Y: -4.96%10Y: 22.08%

UBAB - EBITDA

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UBAB EBITDA CAGR:1Y: 26.89%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Free Cash Flow

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UBAB Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Free Cash Flow / Share

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UBAB Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Operating Income

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UBAB Operating Income CAGR:1Y: 26.89%2Y: -11.77%5Y: -7.03%10Y: 19.06%

UBAB - Gross Profit

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UBAB Gross Profit CAGR:1Y: 11.21%2Y: 7.72%5Y: 2.26%10Y: 13.01%

UBAB - Shares Outstanding

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UBAB Shares Outstanding CAGR:1Y: -8.68%2Y: -7.08%5Y: -4.00%10Y: 2.40%

UBAB - Share Buybacks

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UBAB Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Stock-Based Comp

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UBAB Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Expenses

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UBAB Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

UBAB - Revenue vs Net Income

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UBAB - EPS vs FCF / Share

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UBAB - EPS vs PE Ratio

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UBAB - FCF vs FCF / Share

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UBAB - FCF vs Stock Based Comp

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UBAB - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

UBAB - REVENUE: Actual + Estimates

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UBAB Actual Revenue CAGR:1Y: 5.87%2Y: 6.41%5Y: 6.33%10Y: 15.24%

UBAB - EPS: Actual + Estimates

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UBAB Actual EPS CAGR:1Y: 40.44%2Y: -8.07%5Y: -2.96%10Y: 18.16%

UBAB - NET INCOME: Actual + Estimates

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UBAB Actual Net Income CAGR:1Y: 24.90%2Y: -10.19%5Y: -4.96%10Y: 22.08%

UBAB - EBITDA: Actual + Estimates

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UBAB Actual EBITDA CAGR:1Y: 26.89%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

UBAB - Net Profit Margin

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UBAB Net Profit Margin CAGR:1Y: 17.98%2Y: -15.60%5Y: -10.61%10Y: 5.94%

UBAB - Gross Profit Margin

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UBAB Gross Profit Margin CAGR:1Y: 5.04%2Y: 1.23%5Y: -3.83%10Y: -1.93%

UBAB - Price to Earnings

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UBAB Price to Earnings CAGR:1Y: -25.58%2Y: 16.61%5Y: 16.61%10Y: 2.78%

UBAB - Price To Sales Ratio

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UBAB Price To Sales Ratio CAGR:1Y: -9.85%2Y: -6.40%5Y: 2.16%10Y: 7.79%

UBAB - Return on Capital Employed

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UBAB Return on Capital Employed CAGR:1Y: 25.90%2Y: 83.79%5Y: 17.41%10Y: 25.82%

UBAB - Return on Invested Capital

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UBAB Return on Invested Capital CAGR:1Y: 23.93%2Y: 76.60%5Y: -21.32%10Y: 2.03%

UBAB Dividends Info:

Annual Dividend: $1.42

Forward Yield: 2.34%

Ex-Dividend Date: 2026-06-30

Lifetime Dividends / Share: $5.74

UBAB Dividend History: Dates, Payments & Yield list

Below is a schedule of all UBAB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
06/30/2026	07/15/2026	$0.710	2.57%	2.38%	$59.55
12/31/2025	01/15/2026	$0.700	2.63%	2.69%	$52.05
06/30/2025	07/15/2025	$0.700	2.65%	2.6%	$53.83
12/31/2024	01/16/2025	$0.600	2.11%	2.09%	$57.50
06/28/2024	07/16/2024	$0.500	2.08%	2.02%	$49.50
12/28/2023	01/22/2024	$0.350	1.68%	1.73%	$40.50
06/29/2023	07/17/2023	$0.250	1.25%	1.35%	$37.00
12/29/2022	01/17/2023	$0.220	1.25%	1.16%	$37.80
06/29/2022	07/19/2022	$0.180	1.36%	1.36%	$26.45
12/30/2021	01/14/2022	$0.160	1.08%	1.08%	$29.74
06/29/2021	07/12/2021	$0.120	0.8%	0.81%	$29.50
12/30/2020	01/15/2021	$0.150	1.35%	1.22%	$24.50
06/29/2020	07/15/2020	$0.100	0.98%	0.99%	$20.30
12/30/2019	01/15/2020	$0.130	0.99%	0.93%	$27.90
06/27/2019	07/15/2019	$0.080	0.79%	0.8%	$20.06
12/28/2018	01/15/2019	$0.075	0.74%	0.71%	$21.00
06/28/2018	07/17/2018	$0.075	0.81%	0.81%	$18.60
12/28/2017	01/16/2018	$0.070	0.84%	0.85%	$16.44
06/28/2017	07/17/2017	$0.065	0.86%	0.86%	$15.20
12/28/2016	01/04/2017	$0.065	0.93%	0.93%	$14.00
06/28/2016	07/05/2016	$0.065	1.63%	1.63%	$8.00
12/29/2015	01/05/2016	$0.070	1.65%	1.65%	$8.50
06/26/2015	07/03/2015	$0.065	1.6%	1.6%	$8.10
12/29/2014	01/05/2015	$0.065	1.77%	1.77%	$7.35
06/26/2014	07/03/2014	$0.065	1.73%	1.73%	$7.50
12/27/2013	01/03/2014	$0.060	1.5%	1.5%	$8.00
03/13/2013	03/20/2013	$0.050	1.83%	1.83%	$5.45

Projected Future Returns & Dividends for UBAB

Based on past 10-year performance, here are UBAB growth metrics:

Share price CAGR of +18.65%
Dividend CAGR of +27.01%

Using UBAB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	UBAB (DRIP)	UBAB - No DRIP
Current Price	$60.70	$60.70
Start Shares	164.74	164.74
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	227.16	164.74
Dividends Payment	$7.76	$7.76
Annual Dividends	$3,523	$2,555
Yield on cost	35.23%	25.55%
Share Price	$335.56	$335.56
Total Dividends	$10,459	$8,595
Final Value	$76,226	$63,877

Estimated Future Value + Dividends - UBAB

NOTE: Above numbers are our estimate based on UBAB's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

United Bancorporation of Alabama, Inc. (UBAB) had its IPO on 2007-05-01, and is traded on OTC stock exchange.

United Bancorporation of Alabama, Inc. operates as the parent entity for United Bank, delivering a full spectrum of commercial banking solutions. The company provides a diverse range of deposit products, including checking, savings, certificates of deposit, and individual retirement accounts. For businesses, it offers specialized programs, comprehensive business solutions, merchant services, and efficient cash management tools. Its lending portfolio encompasses personal loans, various business loans, lines of credit, and equipment financing. Additionally, the firm supports the agricultural community with real estate and agribusiness loans, alongside working lines of credit and overdraft services. Clients can also access conveniences such as debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further offerings include check cashing, check reordering, remote and mobile deposit options, secure personal storage compartments, web payment functionalities, and a suite of insurance, investment, and brokerage products, all complemented by robust online and mobile banking platforms. Founded in 1904, United Bancorporation of Alabama, Inc. is headquartered in Atmore, Alabama.

UBAB website: https://www.unitedbank.com

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DCF Model — UBAB

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $60.70

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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