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About the company
United Bancorporation of Alabama, Inc. is a financial holding company that primarily serves Southwest Alabama as well as Northwest Florida. The Company is a Community Development Financial Institution (CDFI) that operates three subsidiaries: United Bank, Town-Country United Bank and UB Community Development. United Bank is also designated as a CDFI and operates 22 locations across five counties. Town-Country United Bank serves Wilcox County and its surrounding counties. UB Community Development focuses on economic and community development through its New Market Tax Credits, affordable housing and community facilities programs. United Bank has offices in Atmore, Brewton, East Brewton, Flomaton, Monroeville, Frisco City, Bay Minette, Daphne, Foley, Lillian, Loxley, Magnolia Springs, Semmes, Silverhill and Summerdale in Alabama. United Bank serves Santa Rosa County, Florida in Jay, Milton and Pace.
- Revenue in USD (TTM)18.20m
- Net income in USD989.72k
- Incorporated1982
- Employees177.00
- LocationUnited Bancorporation of Alabama Inc200 East Nashville AvenueATMORE 36502United StatesUSA
- Phone+1 (251) 446-6000
- Fax+1 (302) 655-5049
- Websitehttp://investors.unitedbank.com/CorporateProfile
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Hawthorn Bancshares, Inc. | 95.09m | 2.14m | 132.62m | 270.00 | 62.74 | -- | -- | 2.38 | 0.3011 | 0.3011 | 7.91 | -- | -- | -- | -- | -- | -- | 0.8618 | -- | -- | -- | -- | 3.84 | 22.51 | -- | -- | -- | 25.21 | 32.79 | 9.74 | -95.39 | -37.75 | -2.05 | 19.15 |
| Franklin Financial Services Corp | 83.99m | 13.67m | 133.30m | 306.00 | 9.72 | -- | 11.26 | 1.90 | 3.12 | 3.12 | 16.02 | -- | -- | -- | -- | -- | -- | 0.988 | -- | -- | -- | -- | 19.48 | 24.54 | -- | -- | -- | 35.19 | 35.98 | 11.34 | -8.97 | 17.29 | -15.55 | 4.04 |
| Virginia National Bankshares Corp | 69.99m | 19.26m | 135.73m | 147.00 | 7.03 | 0.8829 | 5.65 | 2.34 | 3.58 | 3.58 | 10.80 | 28.52 | -- | -- | -- | -- | 1.18 | 1.07 | -- | -- | -- | -- | 33.17 | 28.26 | -- | -- | -- | 37.82 | 23.37 | 22.20 | -17.81 | 17.86 | 6.72 | 4.92 |
| Finwise Bancorp | 64.53m | 17.17m | 135.88m | 162.00 | 7.97 | 0.8541 | 6.39 | 1.80 | 1.33 | 1.33 | 5.86 | 12.41 | -- | -- | -- | -- | 3.54 | -- | -- | -- | -- | -- | 23.08 | -- | -- | -- | -- | -- | 23.32 | -- | -31.10 | -- | -- | -- |
| First Northern Community Bancorp | 74.12m | 21.55m | 138.87m | 203.00 | 6.78 | 0.9116 | 5.94 | 1.87 | 1.32 | 1.32 | 4.58 | 9.80 | -- | -- | -- | -- | 1.15 | 0.9482 | -- | -- | -- | -- | 28.98 | 26.20 | -- | -- | -- | 0.00 | 32.64 | 10.20 | 35.70 | 11.42 | 4.86 | -- |
| Isabella Bank Corp | 82.42m | 15.98m | 139.28m | 356.00 | 8.79 | 0.694 | 9.64 | 1.99 | 2.12 | 2.12 | 9.26 | 26.80 | -- | -- | -- | -- | 0.7714 | 0.8567 | -- | -- | -- | -- | 22.88 | 25.04 | -- | -- | -- | 49.48 | 21.02 | 4.51 | -18.31 | 5.32 | 12.01 | 1.49 |
| OP Bancorp | 121.67m | 23.44m | 141.04m | 222.00 | 6.12 | 0.7344 | 5.58 | 1.70 | 1.54 | 1.54 | 5.45 | 12.84 | -- | -- | -- | -- | 1.13 | 1.46 | -- | -- | -- | -- | 28.86 | 31.66 | -- | -- | -- | 23.26 | 37.92 | 19.43 | -28.11 | 11.13 | 12.82 | -- |
| Evans Bancorp Inc | 96.85m | 24.52m | 143.39m | 300.00 | 5.80 | 0.8033 | 5.50 | 1.52 | 4.49 | 4.49 | 17.21 | 32.40 | -- | -- | -- | -- | 1.14 | 1.03 | -- | -- | -- | -- | 26.05 | 23.28 | -- | -- | -- | 32.04 | 21.85 | 10.95 | 9.54 | 8.44 | -38.97 | 7.49 |
| Western New England Bancorp Inc | 104.08m | 12.73m | 144.56m | 294.00 | 11.26 | 0.6109 | 12.35 | 1.93 | 0.5913 | 0.5913 | 3.48 | 10.90 | -- | -- | -- | -- | 0.4971 | 0.7447 | -- | -- | -- | -- | 17.01 | 22.39 | -- | -- | -- | 29.52 | 17.68 | 5.06 | -41.79 | -1.69 | -2.70 | 11.84 |
| United Bancorporation of Alabama Inc | 18.20m | 989.72k | 146.88m | 177.00 | 98.68 | 3.58 | 76.31 | 7.02 | 0.4206 | 0.4206 | 8.88 | 15.88 | -- | -- | -- | -- | 0.2774 | -0.0889 | -- | -- | -- | -- | 6.05 | -2.22 | -- | -- | -- | -- | -4.61 | -6.10 | 167.07 | -21.90 | -35.91 | -- |
| First United Corp | 85.23m | 14.38m | 148.01m | 304.00 | 10.38 | 0.8944 | 10.67 | 2.08 | 2.15 | 2.15 | 10.63 | 24.91 | -- | -- | -- | -- | 0.7471 | 1.03 | -- | -- | -- | -- | 20.22 | 24.77 | -- | -- | -- | 23.36 | 30.01 | 9.19 | -39.88 | 7.14 | -48.22 | 23.64 |
| Bankfirst Corp | 63.86m | 9.16m | 151.47m | 380.00 | 36.34 | 3.47 | 13.21 | 3.38 | 0.7718 | 0.7718 | 3.78 | 8.16 | -- | -- | -- | -- | 1.13 | -- | -- | -- | -- | -- | 20.71 | -- | -- | -- | -- | -- | 4.82 | -- | 31.38 | -- | -- | -- |
| Morris State Bancshares Inc | 72.36m | 19.33m | 151.92m | -- | 9.82 | 0.8529 | -- | 2.69 | 1.83 | 1.83 | 5.33 | 21.05 | -- | -- | -- | -- | 1.36 | 1.54 | -- | -- | -- | -- | 34.26 | 35.22 | -- | -- | -- | 15.00 | 17.60 | 13.76 | -8.42 | 4.88 | -12.46 | -- |
| First Western Financial Inc | 149.24m | 3.92m | 152.88m | 310.00 | 39.90 | 0.6227 | 47.78 | 1.68 | 0.3983 | 0.3983 | 9.40 | 25.52 | -- | -- | -- | -- | 0.1329 | 0.7519 | -- | -- | -- | -- | 4.31 | 17.29 | -- | -- | -- | 0.00 | 43.84 | 30.27 | -75.92 | 4.12 | 26.87 | -- |
| Peoples Bancorp of North Carolina, Inc. | 71.86m | 15.55m | 154.95m | 277.00 | 10.32 | 1.30 | 8.30 | 2.00 | 2.75 | 2.75 | 13.74 | 21.87 | -- | -- | -- | -- | 0.9547 | 1.01 | -- | -- | -- | -- | 20.03 | 20.35 | -- | -- | -- | 30.69 | 32.02 | 9.64 | -3.58 | 3.04 | 2.26 | 7.89 |
| Investar Holding Corp | 133.20m | 16.68m | 159.05m | 320.00 | 9.62 | 0.699 | 7.77 | 1.96 | 1.69 | 1.69 | 8.22 | 23.26 | -- | -- | -- | -- | 0.599 | 0.7569 | -- | -- | -- | -- | 20.58 | 20.63 | -- | -- | -- | 17.43 | 27.38 | 12.51 | -53.25 | 3.70 | -26.32 | 14.26 |
Data as of Apr 26 2024. Currency figures normalised to United Bancorporation of Alabama Inc's reporting currency: US Dollar USD
6.67%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Manulife Investment Management (US) LLCas of 29 Feb 2024 | 168.57k | 4.52% |
| Siena Capital Partners GP LLCas of 31 Dec 2023 | 77.03k | 2.06% |
| Royce & Associates LPas of 31 Mar 2024 | 3.45k | 0.09% |
Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
