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Zacks Company Profile for United Bancorporation of Alabama, Inc. (UBAB : OTC)

• Company Description    United Bancorporation of Alabama Inc. is a parent company of United Bank and UB Community Development. It provides range of deposit products and loans, as well as other services such as Internet banking and brokerage services. United Bancorporation of Alabama Inc. is based in ATMORE, Ala. Number of Employees:

• Price / Volume Information    Yesterday's Closing Price: $53.20 Daily Weekly Monthly 20 Day Moving Average: 7,077 shares Shares Outstanding: 3.06 (millions) Market Capitalization: $162.73 (millions) Beta: 0.43 52 Week High: $59.99 52 Week Low: $48.10 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.42% 0.48% 12 Week -3.97% -5.26% Year To Date -6.67% -19.81%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 200 East Nashville Avenue - ATMORE,AL 36502 USA ph: 251-446-6100 fax: - None http://www.unitedbank.com

• General Corporate Information    Officers Michael R. Vincent - Chief Executive Officer & President Leigh Anne Russell-Jones - Chief Financial Officer Kendell S. Lewis - Chief Innovation & Technology Officer Gwen B. Braden - Chief Operations Officer Justin S. Jennings - Chief Credit Officer Peer Information United Bancorporation of Alabama, Inc. (TSFG) United Bancorporation of Alabama, Inc. (ABCB) United Bancorporation of Alabama, Inc. (CFNL) United Bancorporation of Alabama, Inc. (CPKF) United Bancorporation of Alabama, Inc. (HIB) United Bancorporation of Alabama, Inc. (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 90944R100 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 01/30/26 Share - Related Items Shares Outstanding: 3.06 Most Recent Split Date: (:1) Beta: 0.43 Market Capitalization: $162.73 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.63% Current Fiscal Quarter EPS Consensus Estimate: $1.29 Indicated Annual Dividend: $1.40 Current Fiscal Year EPS Consensus Estimate: $5.36 Payout Ratio: 0.23 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.12 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 01/30/26

• Fundamental Ratios P/E Current FY Estimate: 9.93 Trailing 12 Months: 8.76 PEG Ratio: - Price Ratios Price/Book: 1.13 Price/Cash Flow: 6.19 Price / Sales: 1.67 EPS Growth vs. Year Ago Period: -17.83% vs. Previous Quarter: -5.15% Sales Growth vs. Year Ago Period: 1.32% vs. Previous Quarter: 1.48% ROE 12/31/25 - - 09/30/25 - 14.56 06/30/25 - 15.16 ROA 12/31/25 - - 09/30/25 - 1.53 06/30/25 - 1.59 Current Ratio 12/31/25 - - 09/30/25 - 0.95 06/30/25 - 0.95 Quick Ratio 12/31/25 - - 09/30/25 - 0.95 06/30/25 - 0.95 Operating Margin 12/31/25 - - 09/30/25 - 22.18 06/30/25 - 23.01 Net Margin 12/31/25 - - 09/30/25 - 22.18 06/30/25 - 23.01 Pre-Tax Margin 12/31/25 - - 09/30/25 - 30.11 06/30/25 - 31.49 Book Value 12/31/25 - - 09/30/25 - 47.20 06/30/25 - 45.14 Inventory Turnover 12/31/25 - - 09/30/25 - - 06/30/25 - - Debt-to-Equity 12/31/25 - - 09/30/25 - 0.20 06/30/25 - 0.22 Debt-to-Capital 12/31/25 - - 09/30/25 - 9.96 06/30/25 - 10.91

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