United Bancorporation of Net Income
| UBAB Stock | USD 51.42 0.24 0.46% |
As of the 14th of February 2026, United Bancorporation has the Variance of 0.5706, coefficient of variation of (2,497), and Risk Adjusted Performance of (0.03). In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Bancorporation, as well as the relationship between them. In other words, you can use this information to find out if the company will indeed mirror its model of past prices and volume data, or the prices will eventually revert. We were able to analyze thirteen technical drivers for United Bancorporation of, which can be compared to its competition.
United Bancorporation's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing United Bancorporation's valuation are provided below:United Bancorporation of does not presently have any fundamental trend indicators for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. United |
United Bancorporation 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to United Bancorporation's otc stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of United Bancorporation.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in United Bancorporation on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding United Bancorporation of or generate 0.0% return on investment in United Bancorporation over 90 days. United Bancorporation is related to or competes with FS Bancorp, First Farmers, Tri City, CCFNB Bancorp, Plains Acquisition, Citizens Bancorp, and Prime Meridian. United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides commercial ban... More
United Bancorporation Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure United Bancorporation's otc stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess United Bancorporation of upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.13) | |||
| Maximum Drawdown | 3.5 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 1.33 |
United Bancorporation Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for United Bancorporation's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as United Bancorporation's standard deviation. In reality, there are many statistical measures that can use United Bancorporation historical prices to predict the future United Bancorporation's volatility.| Risk Adjusted Performance | (0.03) | |||
| Jensen Alpha | (0.04) | |||
| Total Risk Alpha | (0.1) | |||
| Treynor Ratio | 1.14 |
United Bancorporation February 14, 2026 Technical Indicators
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| Risk Adjusted Performance | (0.03) | |||
| Market Risk Adjusted Performance | 1.15 | |||
| Mean Deviation | 0.5441 | |||
| Coefficient Of Variation | (2,497) | |||
| Standard Deviation | 0.7554 | |||
| Variance | 0.5706 | |||
| Information Ratio | (0.13) | |||
| Jensen Alpha | (0.04) | |||
| Total Risk Alpha | (0.1) | |||
| Treynor Ratio | 1.14 | |||
| Maximum Drawdown | 3.5 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 1.33 | |||
| Skewness | (0.45) | |||
| Kurtosis | 0.7807 |
United Bancorporation Backtested Returns
United Bancorporation owns Efficiency Ratio (i.e., Sharpe Ratio) of -0.0633, which indicates the firm had a -0.0633 % return per unit of risk over the last 3 months. United Bancorporation of exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please validate United Bancorporation's Variance of 0.5706, risk adjusted performance of (0.03), and Coefficient Of Variation of (2,497) to confirm the risk estimate we provide. The entity has a beta of -0.0354, which indicates not very significant fluctuations relative to the market. As returns on the market increase, returns on owning United Bancorporation are expected to decrease at a much lower rate. During the bear market, United Bancorporation is likely to outperform the market. At this point, United Bancorporation has a negative expected return of -0.0481%. Please make sure to validate United Bancorporation's treynor ratio, skewness, rate of daily change, as well as the relationship between the value at risk and accumulation distribution , to decide if United Bancorporation performance from the past will be repeated at some point in the near future.
Auto-correlation | 0.06 |
Virtually no predictability
United Bancorporation of has virtually no predictability. Overlapping area represents the amount of predictability between United Bancorporation time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of United Bancorporation price movement. The serial correlation of 0.06 indicates that barely 6.0% of current United Bancorporation price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.06 | |
| Spearman Rank Test | -0.08 | |
| Residual Average | 0.0 | |
| Price Variance | 0.31 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, United Bancorporation of reported net income of 18.53 M. This is 98.55% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.75% higher than that of the company.
United Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses United Bancorporation's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the otc stocks which would be a good addition to a portfolio. Peer analysis of United Bancorporation could also be used in its relative valuation, which is a method of valuing United Bancorporation by comparing valuation metrics of similar companies.United Bancorporation is currently under evaluation in net income category among its peers.
United Fundamentals
| Return On Equity | 0.12 | |||
| Return On Asset | 0.0148 | |||
| Profit Margin | 0.33 % | |||
| Operating Margin | 0.43 % | |||
| Current Valuation | (96.14 M) | |||
| Shares Outstanding | 3.59 M | |||
| Shares Owned By Institutions | 10.60 % | |||
| Price To Earning | 9.06 X | |||
| Price To Book | 0.63 X | |||
| Price To Sales | 2.41 X | |||
| Revenue | 52.35 M | |||
| Gross Profit | 56.02 M | |||
| Net Income | 18.53 M | |||
| Cash And Equivalents | 190.17 M | |||
| Cash Per Share | 52.96 X | |||
| Total Debt | 23.51 M | |||
| Book Value Per Share | 24.66 X | |||
| Cash Flow From Operations | 26.17 M | |||
| Earnings Per Share | 4.48 X | |||
| Target Price | 34.5 | |||
| Number Of Employees | 18 | |||
| Beta | 0.44 | |||
| Market Capitalization | 140.85 M | |||
| Total Asset | 1.12 B | |||
| Retained Earnings | 20.04 M | |||
| Z Score | 3.0 | |||
| Annual Yield | 0.01 % | |||
| Five Year Return | 0.83 % | |||
| Net Asset | 1.12 B | |||
| Last Dividend Paid | 0.4 |
About United Bancorporation Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze United Bancorporation of's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of United Bancorporation using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of United Bancorporation of based on its fundamental data. In general, a quantitative approach, as applied to this otc stock, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.Other Information on Investing in United OTC Stock
United Bancorporation financial ratios help investors to determine whether United OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in United with respect to the benefits of owning United Bancorporation security.