United Bancorporation of Alabama (OTCMKTS:UBAB – Get Free Report) is one of 919 publicly-traded companies in the “Banks” industry, but how does it compare to its peers? We will compare United Bancorporation of Alabama to similar businesses based on the strength of its valuation, analyst recommendations, risk, dividends, earnings, profitability and institutional ownership.
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 22.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.0% and pay out 28.9% of their earnings in the form of a dividend.
Profitability
This table compares United Bancorporation of Alabama and its peers’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| United Bancorporation of Alabama | 23.84% | 14.78% | 1.51% |
| United Bancorporation of Alabama Competitors | 15.64% | 9.43% | 0.93% |
Risk and Volatility
United Bancorporation of Alabama has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, United Bancorporation of Alabama’s peers have a beta of 0.61, indicating that their average stock price is 39% less volatile than the S&P 500.
Insider & Institutional Ownership
5.5% of United Bancorporation of Alabama shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 9.8% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares United Bancorporation of Alabama and its peers top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| United Bancorporation of Alabama | $89.83 million | $19.67 million | 9.71 |
| United Bancorporation of Alabama Competitors | $37.92 billion | $2.42 billion | 17.48 |
United Bancorporation of Alabama’s peers 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 peers, indicating that it is currently more affordable than other companies in its industry.
Analyst Ratings
This is a breakdown of current ratings for United Bancorporation of Alabama and its peers, 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 | 7470 | 30199 | 27763 | 1466 | 2.35 |
As a group, “Banks” companies have a potential upside of 13.57%. Given United Bancorporation of Alabama’s peers stronger consensus rating and higher possible upside, analysts plainly believe United Bancorporation of Alabama has less favorable growth aspects than its peers.
Summary
United Bancorporation of Alabama peers 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.
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