Analyzing United Bancorporation of Alabama (UBAB) & Its Competitors

United Bancorporation of Alabama (OTCMKTS:UBAB) is one of 920 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare United Bancorporation of Alabama to similar companies based on the strength of its risk, valuation, earnings, institutional ownership, profitability, analyst recommendations and dividends.

Volatility & Risk

United Bancorporation of Alabama has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500. Comparatively, United Bancorporation of Alabama’s competitors have a beta of 0.60, indicating that their average share price is 40% less volatile than the S&P 500.

Earnings & Valuation

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

	Gross Revenue	Net Income	Price/Earnings Ratio
United Bancorporation of Alabama	$89.83 million	$19.67 million	10.08
United Bancorporation of Alabama Competitors	$292.34 billion	$2.41 billion	18.80

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.

Dividends

United Bancorporation of Alabama pays an annual dividend of $1.42 per share and has a dividend yield of 2.3%. United Bancorporation of Alabama pays out 23.1% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.5% and pay out 28.9% of their earnings in the form of a dividend.

Insider and Institutional Ownership

5.5% of United Bancorporation of Alabama shares are owned by institutional investors. Comparatively, 47.9% of shares of all “Banks” companies are owned by institutional investors. 9.8% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

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	23.54%	14.40%	1.49%
United Bancorporation of Alabama Competitors	15.38%	9.45%	0.93%

Analyst Recommendations

This is a breakdown of recent 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	1	0	0	2.00
United Bancorporation of Alabama Competitors	7457	30157	27705	1451	2.35

As a group, “Banks” companies have a potential upside of 17.32%. Given United Bancorporation of Alabama’s competitors stronger consensus rating and higher probable upside, analysts clearly believe United Bancorporation of Alabama has less favorable growth aspects than its competitors.

Summary

United Bancorporation of Alabama competitors beat United Bancorporation of Alabama on 11 of the 15 factors compared.

United Bancorporation of Alabama Company Profile

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