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United Bancorporation of Alabama, Inc (UBAB) Fair Value & Analysis

Financial Services · US · Market cap $168M

Price$55.30
Fair Value$83.72
Upside+51.4%
Quality95/100
Evidence: High Range $62.79 – $104.65

Fair value as of: Jun 26, 2026

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Analysis

United Bancorporation of Alabama, Inc (UBAB) currently trades at $55.30, while our model-based Fair Value estimate is $83.72 — implying the stock looks roughly 51.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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

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Frequently asked questions

Is United Bancorporation of Alabama, Inc (UBAB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $83.72 versus a price of $55.30 — about +51% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UBAB?
Our 21-model fair value for United Bancorporation of Alabama, Inc is $83.72 (as of Jun 26, 2026), built from audited fundamentals. The current price is $55.30.
What is the quality score of UBAB?
United Bancorporation of Alabama, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.