See more : Kiwoom Securities Co., Ltd. (039490.KS) Income Statement Analysis – Financial Results
Complete financial analysis of United Bancorporation of Alabama, Inc. (UBAB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of United Bancorporation of Alabama, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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United Bancorporation of Alabama, Inc. (UBAB)
About United Bancorporation of Alabama, Inc.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 77.55M | 55.33M | 52.35M | 41.03M | 34.70M | 32.69M | 27.39M | 24.61M | 21.61M | 19.93M | 19.35M | 18.41M | 20.71M | 19.80M | 18.33M | 18.54M | 17.64M | 19.21M | 16.73M | 13.86M | 13.16M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 77.55M | 55.33M | 52.35M | 41.03M | 34.70M | 32.69M | 27.39M | 24.61M | 21.61M | 19.93M | 19.35M | 18.41M | 20.71M | 19.80M | 18.33M | 18.54M | 17.64M | 19.21M | 16.73M | 13.86M | 13.16M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 19.70M | 17.58M | 17.87M | 16.07M | 14.14M | 13.31M | 12.07M | 11.92M | 11.43M | 11.03M | 10.97M | 10.86M | 8.84M | 8.62M | 8.52M | 8.55M | 8.32M | 7.35M | 6.51M | 5.78M | 5.36M |
| Selling & Marketing | 1.12M | 735.88K | 696.54K | 499.54K | 651.53K | 455.51K | 375.82K | 329.07K | 261.33K | 284.69K | 384.05K | 359.37K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 20.81M | 18.31M | 18.56M | 16.57M | 14.79M | 13.76M | 12.44M | 12.24M | 11.69M | 11.31M | 11.35M | 11.22M | 8.84M | 8.62M | 8.52M | 8.55M | 8.32M | 7.35M | 6.51M | 5.78M | 5.36M |
| Other Expenses | 56.73M | -45.93M | -46.97M | -42.23M | -37.02M | -31.00M | -6.12M | -5.55M | 0.00 | 0.00 | 0.00 | 0.00 | -24.58M | -25.62M | -26.98M | -16.13M | -11.59M | -12.65M | -13.80M | -13.34M | -12.07M |
| Operating Expenses | 77.55M | -27.62M | -28.40M | -25.66M | -22.24M | -17.24M | 6.12M | 5.55M | 17.59M | 17.14M | 16.77M | 16.88M | -15.74M | -17.00M | -18.46M | -7.59M | -3.27M | -5.29M | -7.29M | -7.56M | -6.70M |
| Cost & Expenses | 37.72M | -27.62M | -28.40M | -25.66M | -22.24M | -17.24M | 21.01M | 19.44M | 17.59M | 17.14M | 16.77M | -16.88M | -15.74M | -17.00M | -18.46M | -7.59M | -3.27M | -5.29M | -7.29M | -7.56M | -6.70M |
| Interest Income | 66.19M | 47.08M | 35.76M | 29.22M | 28.31M | 23.96M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 18.29M | 19.17M | 20.78M | 24.68M | 27.21M | 25.05M | 19.09M | 14.35M | 13.34M |
| Interest Expense | 7.43M | 3.69M | 2.84M | 3.04M | 3.23M | 2.55M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.38M | 4.74M | 7.13M | 10.88M | 13.56M | 9.76M | 5.50M | 3.54M | 3.65M |
| Depreciation & Amortization | 1.43M | 1.50M | 1.45M | 1.32M | 973.83K | 773.70K | 771.36K | 875.48K | -4.03M | -2.79M | -2.57M | 0.00 | 963.58K | 1.17M | 1.32M | 1.38M | 1.39M | 1.29M | 1.09M | 1.03M | 1.01M |
| EBITDA | 42.33M | 25.59M | 25.42M | 16.69M | 13.43M | 13.68M | 7.15M | 6.04M | -206.00K | -206.00K | -283.50K | 1.24M | 2.56M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 54.59% | 52.91% | 48.56% | 40.67% | 38.72% | 49.63% | 2.82% | -0.84% | -0.95% | -1.03% | -1.47% | 6.76% | 28.65% | 20.04% | 6.49% | 66.50% | 89.34% | 79.16% | 62.96% | 52.89% | 56.74% |
| Operating Income | 40.97M | 27.71M | 23.94M | 15.38M | 12.46M | 15.45M | 6.38M | 5.17M | 4.03M | 2.79M | 2.57M | 1.24M | 4.97M | 2.80M | -128.55K | 10.95M | 14.37M | 13.91M | 9.44M | 6.30M | 6.45M |
| Operating Income Ratio | 52.83% | 50.08% | 45.74% | 37.47% | 35.91% | 47.27% | 23.29% | 21.00% | 18.63% | 13.98% | 13.30% | 6.76% | 24.00% | 14.12% | -0.70% | 59.09% | 81.46% | 72.44% | 56.42% | 45.48% | 49.05% |
| Total Other Income/Expenses | -3.41K | 0.00 | 0.00 | 0.00 | 0.00 | -773.70K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -963.58K | -934.76K | 0.00 | -10.88M | -13.56M | -9.76M | -5.50M | -50.00K | -3.65M |
| Income Before Tax | 40.97M | 24.02M | 23.94M | 15.38M | 12.46M | 12.91M | 6.38M | 5.17M | 4.03M | 2.79M | 2.57M | 1.52M | 1.59M | -1.94M | -7.26M | 75.83K | 806.43K | 4.16M | 3.93M | 2.77M | 2.80M |
| Income Before Tax Ratio | 52.83% | 43.42% | 45.74% | 37.47% | 35.91% | 39.47% | 23.29% | 21.00% | 18.63% | 13.98% | 13.30% | 8.27% | 7.68% | -9.80% | -39.59% | 0.41% | 4.57% | 21.65% | 23.52% | 19.96% | 21.31% |
| Income Tax Expense | 9.43M | 5.34M | 5.41M | 3.20M | 2.68M | 2.92M | 2.88M | 1.63M | 1.18M | 777.48K | 809.55K | 347.47K | 405.62K | -1.10M | -3.23M | -470.11K | -225.33K | 1.02M | 1.04M | 612.60K | 673.35K |
| Net Income | 31.54M | 18.68M | 18.53M | 12.17M | 9.78M | 9.99M | 3.50M | 3.54M | 2.64M | 1.80M | 1.48M | 896.04K | 1.19M | -839.86K | -4.03M | 545.94K | 1.03M | 3.14M | 2.89M | 2.15M | 2.13M |
| Net Income Ratio | 40.67% | 33.77% | 35.40% | 29.66% | 28.19% | 30.55% | 12.76% | 14.37% | 12.20% | 9.04% | 7.65% | 4.87% | 5.73% | -4.24% | -21.98% | 2.94% | 5.85% | 16.32% | 17.31% | 15.54% | 16.19% |
| EPS | 8.81 | 5.11 | 4.87 | 3.22 | 2.86 | 4.09 | 1.44 | 1.47 | 1.10 | 0.75 | 0.62 | 0.38 | 0.51 | -0.37 | -1.74 | 0.23 | 0.44 | 1.36 | 1.25 | 0.93 | 1.89 |
| EPS Diluted | 8.81 | 5.11 | 4.87 | 3.22 | 2.86 | 4.09 | 1.44 | 1.47 | 1.10 | 0.75 | 0.62 | 0.38 | 0.51 | -0.37 | -1.74 | 0.23 | 0.44 | 1.35 | 1.25 | 0.93 | 1.89 |
| Weighted Avg Shares Out | 3.58M | 3.65M | 3.81M | 3.78M | 3.42M | 2.44M | 2.42M | 2.41M | 2.40M | 2.40M | 2.39M | 2.38M | 2.33M | 2.29M | 2.31M | 2.32M | 2.33M | 2.31M | 2.31M | 2.30M | 1.13M |
| Weighted Avg Shares Out (Dil) | 3.58M | 3.65M | 3.81M | 3.78M | 3.42M | 2.44M | 2.42M | 2.41M | 2.40M | 2.40M | 2.39M | 2.38M | 2.33M | 2.29M | 2.31M | 2.32M | 2.34M | 2.32M | 2.31M | 2.31M | 1.13M |
United Bancorporation of Alabama, Inc. Repurchases all Common Stock Held by its 401(K) Employee Stock Ownership Plan
ATMORE, Ala. , Nov. 18, 2024 /PRNewswire/ -- (OTCQX: UBAB)- United Bancorporation of Alabama, Inc. announced today that it has completed the repurchase of all of its shares of common stock held by the United Bancorporation of Alabama, Inc. 401(k) Employee Stock Ownership Plan ("KSOP").
United Bank Awarded $9 Million Capital Magnet Fund Award by US Department of Treasury
ATMORE, Ala. , Oct. 28, 2024 /PRNewswire/ -- United Bank (OTCQX: UBAB) announced today the U.S. Department of the Treasury's Community Development Financial Institutions Fund (CDFI Fund) has awarded it a $9 million Capital Magnet Fund award for 2024, the fifth...
United Bancorporation of Alabama, Inc. Announces Third Quarter Results
ATMORE, Ala. , Oct. 25, 2024 /PRNewswire/ -- (OTCQX: UBAB)- United Bancorporation of Alabama, Inc. announces its financial results for the period ended September 30, 2024.
United Bancorporation of Alabama, Inc. Announces Second Quarter Results
ATMORE, Ala. , July 26, 2024 /PRNewswire/ -- (OTCQX: UBAB)- United Bancorporation of Alabama, Inc. announces its financial results for the period ended June 30, 2024.
Alluvial Fund Q2 2024 Portfolio Update
Our portfolio is largely unchanged from last quarter, with Net Lease Office Properties still at the top. McBride shares have performed well for us, up about 30% from the level of our initial purchases. Talen will continue to sell off...
United Bancorporation of Alabama announces semiannual dividend
ATMORE, Ala., May 20, 2024 /PRNewswire/ -- United Bancorporation of Alabama, Inc. (OTCQX: UBAB), parent company of United Bank, Town-Country United Bank and UB Community Development, has announced a semiannual dividend of $0.50 per share.
United Bancorporation of Alabama, Inc. Announces First Quarter Results
ATMORE, Ala. , April 26, 2024 /PRNewswire/ -- (OTCQX: UBAB)- United Bancorporation of Alabama, Inc. announces its financial results for the period ended March 31, 2024.
United Bancorporation of Alabama Makes For A Compelling Opportunity
United Bancorporation of Alabama is a small bank focused on operating in Alabama with $1.4 billion in assets. The bank has experienced growth in net interest income and net profits, but non-interest income has dipped slightly. The value of loans...
United Bancorporation of Alabama, Inc. (UBAB) Q4 Earnings and Revenues Surpass Estimates
United Bancorporation of Alabama, Inc. (UBAB) came out with quarterly earnings of $2.95 per share, beating the Zacks Consensus Estimate of $1.86 per share. This compares to earnings of $1.43 per share a year ago.
United Bancorporation of Alabama, Inc. Announces Fourth Quarter Results
ATMORE, Ala. , Jan. 26, 2024 /PRNewswire/ -- (OTCQX: UBAB)- United Bancorporation of Alabama, Inc. announces its financial results for the period ended December 31, 2023.
Source: https://incomestatements.info
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