62.00
-0.32%
Close of 9 Nov 2026, in USD
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About United Bancorporation of Alabama
Its shares trade under the ticker UBAB. It has been listed since 20 August 2004. In the fiscal year to 31 December 2025, it reported revenue before interest expense of $70.9m and net income of $19.7m. At that date it held total assets of $1.45bn and shareholders' equity of $269.7m.
United Bancorp of Alabama, Inc. is a bank holding company, which engages in the ownership and management of United Bank. The company is headquartered in Atmore, Alabama. The company went IPO on 2004-08-20. The firm's principal activity is the ownership and management of United Bank, a commercial bank. The Bank provides a range of banking services in its primary market areas of Baldwin, Escambia, and Monroe Counties, Alabama, and Santa Rosa County, Florida.The Bank offers personal banking services, business banking services, and agricultural and forestry financing services. Its personal banking services include checking, savings, certificates of deposit (CDs), individual retirement accounts (IRAs), personal loans, mortgage services, personal storage compartments and instant issue debit card services. Its business banking services include business loans/lines of credit, business solutions and Web payment options. Its agricultural and forestry financing services include agribusiness loans, real estate loans, credit cards and equipment loans.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 20 Aug 2004
- Employees
- 177
Leadership
Pay as last reported
- Robert JonesPresident, Chief Executive Officer, Director, since 1992$413,657
- David SwiftVice Chairman of the Board$11,391
- Allen JonesChief Financial Officer, Treasurer$137,474
- Michael AndreoliIndependent Director
- Dale AshIndependent Director
- L. Walter CrimIndependent Director
- Leslie CunninghamIndependent Director
- Richard MaxwellIndependent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- United Bancorporation of Alabama Inc operates with a strong brand reputation and long-standing presence in the Alabama banking industry. It has developed a loyal customer base over the years.
- The company boasts a robust financial position, with consistent profitability and a healthy balance sheet. This provides a solid foundation for future growth and investment opportunities.
- United Bancorporation of Alabama Inc benefits from an experienced management team that possesses deep knowledge of the local market, allowing them to make well-informed strategic decisions.
Weaknesses
- The company faces increasing competition from both traditional banks and emerging financial technology companies. United Bancorporation of Alabama Inc needs to continuously adapt and innovate to stay competitive.
- There may also be a limited geographical presence, which restricts the potential customer base and opportunities for market expansion.
- United Bancorporation of Alabama Inc may be susceptible to changes in interest rates and other economic factors, as these can impact its profitability and financial performance.
Opportunities
- With the growing popularity of online banking and other digital financial services, there is the opportunity for United Bancorporation of Alabama Inc to enhance its technology infrastructure and offer innovative solutions to its customers.
- Expanding into new markets or acquiring smaller regional banks can provide United Bancorporation of Alabama Inc with increased market share and access to new customer segments.
- The company can also explore partnerships or collaborations with fintech companies to leverage their expertise and tap into emerging trends in the financial services sector.
Threats
- Changes in regulations and compliance requirements pose a potential threat to United Bancorporation of Alabama Inc. Ensuring compliance and adapting to regulatory changes can be costly and time-consuming.
- The company is at risk of losing customers to competitors who offer more advanced technology and digital banking services. United Bancorporation of Alabama Inc needs to continually invest in technology to meet evolving customer expectations.
- Economic downturns or financial crises can negatively impact the banking industry as a whole, potentially leading to decreased loan demand or increased loan defaults.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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