United Bancorporation of Alabama (UBAB) & Its Competitors Critical Analysis

United Bancorporation of Alabama (OTCMKTS:UBABGet Rating) is one of 317 public companies in the “State commercial banks” industry, but how does it contrast to its competitors? We will compare United Bancorporation of Alabama to related businesses based on the strength of its risk, dividends, earnings, profitability, institutional ownership, valuation and analyst recommendations.

Profitability

This table compares United Bancorporation of Alabama and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Bancorporation of Alabama 30.33% 16.85% 1.59%
United Bancorporation of Alabama Competitors 28.54% 12.44% 1.30%

Dividends

United Bancorporation of Alabama pays an annual dividend of $0.32 per share and has a dividend yield of 1.1%. United Bancorporation of Alabama pays out 6.8% of its earnings in the form of a dividend. As a group, “State commercial banks” companies pay a dividend yield of 2.5% and pay out 26.3% of their earnings in the form of a dividend.

Valuation & Earnings

This table compares United Bancorporation of Alabama and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
United Bancorporation of Alabama $58.44 million $18.53 million 5.93
United Bancorporation of Alabama Competitors $1.30 billion $320.66 million 11.37

United Bancorporation of Alabama’s competitors have higher revenue and earnings than United Bancorporation of Alabama. United Bancorporation of Alabama is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for United Bancorporation of Alabama and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancorporation of Alabama 0 0 0 0 N/A
United Bancorporation of Alabama Competitors 2321 9954 7859 582 2.32

As a group, “State commercial banks” companies have a potential upside of 32.84%. Given United Bancorporation of Alabama’s competitors higher possible upside, analysts plainly believe United Bancorporation of Alabama has less favorable growth aspects than its competitors.

Volatility and Risk

United Bancorporation of Alabama has a beta of 0.36, meaning that its stock price is 64% less volatile than the S&P 500. Comparatively, United Bancorporation of Alabama’s competitors have a beta of 0.67, meaning that their average stock price is 33% less volatile than the S&P 500.

Institutional & Insider Ownership

6.8% of United Bancorporation of Alabama shares are owned by institutional investors. Comparatively, 51.8% of shares of all “State commercial banks” companies are owned by institutional investors. 10.5% of shares of all “State commercial banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

United Bancorporation of Alabama competitors beat United Bancorporation of Alabama on 8 of the 12 factors compared.

United Bancorporation of Alabama Company Profile (Get Rating)

United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides commercial banking services. The company offers checking and savings accounts, certificates of deposit, individual retirement accounts, small business programs, business solutions, merchant services, and cash management services. It also provides various lending services, such as personal loans, business loans, lines of credit, and equipment loans; real estate loans for the agricultural community, agribusiness loans, and working lines of credit; and overdraft services. In addition, the company offers debit cards, prepaid cards, Visa credit cards, gift cards, and safe deposit boxes. Further, it provides check cashing, convenience, reorder checks, remote deposit, mobile check deposit, personal storage compartments, Web payment options, insurance products, investment and brokerage, and online and mobile banking services. United Bancorporation of Alabama, Inc. was founded in 1904 and is based in Atmore, Alabama.

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