United Bancorporation of Alabama Inc
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 capt… Read more
United Bancorporation of Alabama Inc (UBAB) - Net Assets
Latest net assets as of December 2025: $269.73 Million USD
Based on the latest financial reports, United Bancorporation of Alabama Inc (UBAB) has net assets worth $269.73 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.45 Billion) and total liabilities ($1.18 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $269.73 Million |
| % of Total Assets | 18.58% |
| Annual Growth Rate | 13.11% |
| 5-Year Change | 145.86% |
| 10-Year Change | 693.86% |
| Growth Volatility | 29.6 |
United Bancorporation of Alabama Inc - Net Assets Trend (2009–2025)
This chart illustrates how United Bancorporation of Alabama Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for United Bancorporation of Alabama Inc (2009–2025)
The table below shows the annual net assets of United Bancorporation of Alabama Inc from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $269.73 Million | +1.52% |
| 2024-12-31 | $265.71 Million | +6.87% |
| 2023-12-31 | $248.64 Million | +16.95% |
| 2022-12-31 | $212.61 Million | +93.79% |
| 2021-12-31 | $109.71 Million | +13.28% |
| 2020-12-31 | $96.85 Million | +16.88% |
| 2019-12-31 | $82.86 Million | +77.72% |
| 2018-12-31 | $46.62 Million | +22.54% |
| 2017-12-31 | $38.05 Million | +11.98% |
| 2016-12-31 | $33.98 Million | -21.14% |
| 2015-12-31 | $43.08 Million | +5.97% |
| 2014-12-31 | $40.66 Million | +9.09% |
| 2011-12-31 | $37.27 Million | +4.93% |
| 2010-12-31 | $35.52 Million | -5.44% |
| 2009-12-31 | $37.56 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to United Bancorporation of Alabama Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 578.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $147.11 Million | 54.54% |
| Other Components | $122.62 Million | 45.46% |
| Total Equity | $269.73 Million | 100.00% |
United Bancorporation of Alabama Inc Competitors by Market Cap
The table below lists competitors of United Bancorporation of Alabama Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Electro Optic Systems Holdings Limited
PINK:EOPSY
|
$169.03 Million |
|
P-Duke Technology Co Ltd
TWO:8109
|
$169.03 Million |
|
Hemisphere Properties India Limited
NSE:HEMIPROP
|
$169.05 Million |
|
Mediterranean Towers Ltd
PINK:MDTWF
|
$169.07 Million |
|
Zhejiang Xidamen New Material Co.Ltd.
SHG:605155
|
$169.02 Million |
|
Energa S.A.
WAR:ENG
|
$168.99 Million |
|
Bredband2 i Skandinavien AB
ST:BRE2
|
$168.96 Million |
|
Siantar Top Tbk
JK:STTP
|
$168.90 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in United Bancorporation of Alabama Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 265,706,011 to 269,732,401, a change of 4,026,390 (1.5%).
- Net income of 19,672,948 contributed positively to equity growth.
- Other factors decreased equity by 15,646,558.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $19.67 Million | +7.29% |
| Other Changes | $-15.65 Million | -5.8% |
| Total Change | $- | 1.52% |
Book Value vs Market Value Analysis
This analysis compares United Bancorporation of Alabama Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.57x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $50.05 | x |
| 2016-12-31 | $0.00 | $50.05 | x |
| 2017-12-31 | $0.00 | $50.05 | x |
| 2018-12-31 | $0.00 | $50.05 | x |
| 2019-12-31 | $22.38 | $50.05 | x |
| 2020-12-31 | $25.88 | $50.05 | x |
| 2021-12-31 | $29.13 | $50.05 | x |
| 2022-12-31 | $59.00 | $50.05 | x |
| 2023-12-31 | $70.31 | $50.05 | x |
| 2024-12-31 | $78.83 | $50.05 | x |
| 2025-12-31 | $88.20 | $50.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently United Bancorporation of Alabama Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.29%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.68%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 5.38x
- Recent ROE (7.29%) is below the historical average (8.46%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | -10.73% | -15.83% | 0.06x | 12.17x | $-7.79 Million |
| 2010 | -2.36% | -3.42% | 0.05x | 13.15x | $-4.39 Million |
| 2011 | 3.18% | 4.92% | 0.05x | 11.99x | $-2.54 Million |
| 2014 | 6.61% | 10.08% | 0.04x | 16.12x | $-1.03 Million |
| 2015 | 8.67% | 13.15% | 0.04x | 16.17x | $-435.49K |
| 2016 | 10.41% | 15.57% | 0.04x | 16.44x | $138.27K |
| 2017 | 9.19% | 14.00% | 0.04x | 15.71x | $-309.61K |
| 2018 | 21.42% | 30.55% | 0.05x | 13.67x | $5.33 Million |
| 2019 | 11.80% | 28.19% | 0.05x | 8.78x | $1.49 Million |
| 2020 | 12.57% | 29.66% | 0.04x | 10.21x | $2.49 Million |
| 2021 | 16.89% | 35.40% | 0.05x | 10.22x | $7.56 Million |
| 2022 | 8.79% | 33.77% | 0.04x | 6.62x | $-2.58 Million |
| 2023 | 12.69% | 40.95% | 0.06x | 5.59x | $6.68 Million |
| 2024 | 10.54% | 33.58% | 0.06x | 5.27x | $1.43 Million |
| 2025 | 7.29% | 26.68% | 0.05x | 5.38x | $-7.30 Million |
Industry Comparison
This section compares United Bancorporation of Alabama Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| United Bancorporation of Alabama Inc (UBAB) | $269.73 Million | -10.73% | 4.38x | $169.03 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |