Watch United Bancorporation of Alabama Inc for free: we tell you when fair value or trend changes.

United Bancorporation of Alabama Inc (UBAB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of United Bancorporation of Alabama Inc stock $69.50, price $62.20, upside +11.7%, quality 67 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $67.47 to bull $86.03 Growth analysisrevenue history, year by year Quality 67/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Some data Nov 8, 2026

United Bancorporation of Alabama Inc

UBAB · US

Undervalued, in an uptrend

The stock costs 11% less than our calculation considers fair.

Fair value $69.50 · Undervalued

Quality 67/100

Highly profitable · 29.5% net margin (TTM)

2.3% dividend yield · Low payout

Ranks above peers (10/13)

Profit last quarter +41% vs. a year ago.

Mixed Growth (revenue 5y +11.5 %/yr in USD)

Moderate moat 63/100 · thin data

Some data

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $16.11 – $66.00 · fair‑value band $67.47 – $86.03 · the $62.20 price screens below the $69.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides banking services in the United States.

Show moreShow less

The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts; business solutions, including merchant and lockbox services, cash management, business online banking, remote deposit capture, web payment capture, and advantage prepaid cards.

It provides lending services, such as personal, mortgage, credit advantage, business, farm real estate, farm and timber land, and farm equipment loans, as well as small business programs, credit cards, working capital LOC/CORP production, FarmerMac, and insurance.

In addition, the company offers personal convenience services comprising online/mobile banking, mobile check deposit, debit cards, overdraft services, safe deposit boxes, personal storage compartments, and estatement services; and investment/brokerage, financial education, and community advantage programs.

The company was founded in 1904 and is headquartered in Atmore, Alabama.

Stock analysis

United Bancorporation of Alabama Inc (UBAB) currently trades at $62.20, while our model-based Fair Value estimate is $69.50, implying the stock looks roughly 11% undervalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $102.07 per share, and 3 of the 6 models we run sit above the $62.20 price.

Bear case: the Dividend Discount group reads lowest at $29.01, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $67.47 (bear) to $86.03 (bull), the price of $62.20 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 67/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

United Bancorporation of Alabama Inc reported revenue of $70.9M in FY2025 versus $52.3M in FY2021, a compound +7.9%/yr. Reported net income was $19.7M in FY2025, compounding +1.5%/yr from FY2021.

Key figures

Market cap $190M Micro · P/E ratio 10.1 · P/S ratio 2.59 · EPS (TTM) $6.15 · Dividend yield 2.3% · Net margin 29.5% · Return on equity 7.9% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 12%, UBAB screens cheaper than that median.

Fair Value models

Bear $67.47 Fair Value $69.50 Bull $86.03

Price $62.20 · Upside +11.7%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.06 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $67.47 $69.50 $75.46 76

Gordon GGM $16.98 $30.22 $41.15 68

DDM Multi-Stage $16.98 $27.79 $32.32 67

All 6 models by family

Dividend Discount

Gordon GGM $16.98 $30.22 $41.15 68

DDM Multi-Stage $16.98 $27.79 $32.32 67

Multiples

P/E Multiple $62.78 $83.70 $104.63 63

P/B Multiple $90.33 $120.44 $150.55 55

Asset-Based

NCAV (Graham) $43.01 $57.64 $86.03 54

Economic Profit

Residual Income $67.47 $69.50 $75.46 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 67/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 33

How much profit the company makes from its sales and capital

Quality Growth 48

Are margins and returns getting better?

Cashflow 93

Do the profits arrive as real cash?

Financial strength 36

Debt, balance sheet and risk of trouble

Investment 85

Does it invest with discipline instead of growing at any price?

Low Volatility 99

How calm the share price moves, does not count

Price momentum 56

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 67

Distance to the 52-week high, does not count

New shares 100

Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 75/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

−9.5%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+8.6%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+11.5%

Start year 2020 (pandemic). Over 10 years: +12.6% a year

Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+6.6%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+16.9%

Earnings growth per share plus dividend.

Earnings per share, growth per year+14.6%

Dividend (yield on the price)2.3%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 10/13 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 67 · Top 25%

Fair Value upside +11.7% · Top 25%

Profitability

Return on equity (12 months) 7.9% · Below median

Return on assets 1.4% · Top 25%

Net margin (12 months) 29.5% · Below median

Operating margin (12 months) 40.9% · Above median

Growth and dividend

Revenue growth (quarter YoY) 11.2% · Above median

Dividend yield (12 months) 2.3% · Below median

Balance sheet

Debt / equity 0.11× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.1× · Cheaper than median

P/B 0.71× · Cheapest 25%

P/S (12 months) 2.59× · Cheaper than median

Price / free cash flow (fiscal year) 6.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)49 · sector 8

FUTURE (revenue growth)56 · sector 47

PAST (return on equity)32 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)45 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs UBAB
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs UBAB
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs UBAB
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs UBAB
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs UBAB
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs UBAB
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs UBAB
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs UBAB
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs UBAB
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs UBAB

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Cite: Fair Value Calculator (2026). "United Bancorporation of Alabama Inc Fair Value". https://www.fairvalue-calculator.com/stock/UBAB

Frequently asked questions

Is United Bancorporation of Alabama Inc (UBAB) overvalued or undervalued?

As of Nov 8, 2026, our model estimates a fair value of $69.50 versus a price of $62.20, about +12% upside (undervalued).

What is the fair value of UBAB?

Our model-based fair value for United Bancorporation of Alabama Inc is $69.50 (as of Nov 8, 2026), built from audited fundamentals. The current price: $62.20.

What is the quality score of UBAB?

United Bancorporation of Alabama Inc has a Quality Score of 67/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for United Bancorporation of Alabama Inc (UBAB)?

Our model-based price target is the fair value of $69.50 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $67.47, optimistic scenario $86.03. It is a calculation from audited fundamentals, not an analyst target.

What is the United Bancorporation of Alabama Inc stock forecast for 2026?

Our models put fair value at $69.50, about +12% upside versus a price of $62.20 (undervalued). Cautious scenario $67.47, optimistic scenario $86.03. The calculation is refreshed regularly with new filings.

What is the revenue of United Bancorporation of Alabama Inc (UBAB)?

United Bancorporation of Alabama Inc reported trailing-twelve-month revenue of about $73.6M (latest available figure, as of Nov 8, 2026).

Does United Bancorporation of Alabama Inc pay a dividend?

United Bancorporation of Alabama Inc currently shows a dividend yield of 2.27% relative to its recent price (as of Nov 8, 2026).

How much is the dividend of United Bancorporation of Alabama Inc (UBAB) and when is the ex-dividend date?

United Bancorporation of Alabama Inc pays a dividend of $1.41 per share a year, a dividend yield of 2.3%. The last ex-dividend date was Jun 30, 2026. A dividend has been paid every year since at least 2013. The payout ratio is 22.9% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of United Bancorporation of Alabama Inc (UBAB)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United Bancorporation of Alabama Inc it is $69.50 per share (as of Nov 8, 2026), against a price of $62.20. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is United Bancorporation of Alabama Inc stock overvalued or undervalued in 2026?

As of Nov 8, 2026, UBAB trades below its calculated fair value: price $62.20, fair value $69.50, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of UBAB?

No. The price is what the market pays today ($62.20); the fair value is what the company's own numbers justify ($69.50). For United Bancorporation of Alabama Inc the two are $7.30 per share apart. That gap is exactly why we show both numbers side by side.

How much is United Bancorporation of Alabama Inc worth?

The market values United Bancorporation of Alabama Inc at about $190M (market capitalisation, as of Nov 8, 2026). Per share that is $62.20; our models calculate a fair value of $69.50 per share.

What do the bullish and bearish scenarios say about UBAB?

Our models span a range for United Bancorporation of Alabama Inc: cautious scenario $67.47, base $69.50, optimistic $86.03 per share (as of Nov 8, 2026, price $62.20). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of UBAB?

United Bancorporation of Alabama Inc trades at a price-to-earnings ratio of 10.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $69.50 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 6.8. Other multiples: P/B 0.7, P/S 2.6.

How solid is the balance sheet of United Bancorporation of Alabama Inc (UBAB)?

Balance-sheet figures for United Bancorporation of Alabama Inc (as of Nov 8, 2026): return on equity 7.9%, debt of 0.11 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.

How far is UBAB from its 52-week high?

United Bancorporation of Alabama Inc trades at $62.20, about 6% below its 52-week high of $66.00 and 29% above the low of $48.38 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $69.50 is for.

Which stocks are comparable to United Bancorporation of Alabama Inc?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is United Bancorporation of Alabama Inc stock attractive at the current price?

The data as of Nov 8, 2026: price $62.20, calculated fair value $69.50 (+12%), Quality Score 67/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of UBAB calculated?

We run United Bancorporation of Alabama Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $69.50 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. United Bancorporation of Alabama Inc currently trades 11% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of United Bancorporation of Alabama Inc (UBAB)?

The closing price on Nov 6, 2026 was $62.20. Our model-based fair value is $69.50, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with United Bancorporation of Alabama Inc right now?

The price is below even our cautious bear case ($67.47). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of United Bancorporation of Alabama Inc

How large is the market capitalisation of United Bancorporation of Alabama Inc (UBAB)?

The market capitalisation of United Bancorporation of Alabama Inc is $190M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of United Bancorporation of Alabama Inc (UBAB)?

The price-to-sales ratio of United Bancorporation of Alabama Inc is 2.59 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of United Bancorporation of Alabama Inc (UBAB)?

Earnings per share at United Bancorporation of Alabama Inc are $6.15 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of United Bancorporation of Alabama Inc (UBAB)?

The dividend yield of United Bancorporation of Alabama Inc is 2.3% (payout 22.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of United Bancorporation of Alabama Inc (UBAB)?

The net margin of United Bancorporation of Alabama Inc is 29.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of United Bancorporation of Alabama Inc (UBAB)?

The return on equity (ROE) of United Bancorporation of Alabama Inc is 7.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of United Bancorporation of Alabama Inc (UBAB)?

On an EBIT basis the return on assets of United Bancorporation of Alabama Inc is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of United Bancorporation of Alabama Inc (UBAB)?

The operating margin of United Bancorporation of Alabama Inc is 40.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at United Bancorporation of Alabama Inc (UBAB)?

Revenue at United Bancorporation of Alabama Inc is growing +11.2% versus a year earlier (3y avg +8.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at United Bancorporation of Alabama Inc (UBAB)?

Earnings per share at United Bancorporation of Alabama Inc are growing +40.5% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does United Bancorporation of Alabama Inc (UBAB) generate?

The free cash flow of United Bancorporation of Alabama Inc is $29.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

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