Price
No data yet.
Social Signal Score
Revenue
$23.96M+66.11%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Michael R. Vincent
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 177
- Beta
- 0.45
- Country
- US
- Piotroski score
- 5 / 9 (Middling)
- Altman Z-score
- -0.25
Financials
Revenue
$23.96M+66.1%Net Income
$6.46M+92.8%EBITDA
$8.07M+89.1%Free Cash Flow
$0.00-100.0%EPS (diluted)
$1.91+114.6%Shares Outstanding (diluted)
3.06M-18.5%Operating Expenses
$6.35MCash & Debt
$409.70MDividend per Share
$0.71Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $89.83M | $19.67M | $5.23 |
| 2024 | $92.60M | $28.00M | $7.65 |
| 2023 | $84.45M | $31.54M | $8.81 |
| 2022 | $59.02M | $18.68M | $5.11 |
| 2021 | $55.18M | $18.53M | $4.87 |
| 2020 | $43.91M | $12.17M | $3.22 |
| 2019 | $37.99M | $9.78M | $2.86 |
| 2018 | $35.24M | $9.99M | $4.09 |
| 2017 | $27.39M | $3.50M | $1.44 |
| 2016 | $24.61M | $3.54M | $1.47 |
| 2015 | $21.61M | $2.64M | $1.10 |
| 2014 | $19.93M | $1.80M | $0.75 |
| 2013 | $19.35M | $1.48M | $0.62 |
| 2012 | $18.41M | $896.0K | $0.38 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UBAB's reported EPS growth of 22.3% a year over 13 years.
- EPS in 5 years
- $16.36
- Implied price
- $163.61
- Return from $60.80
- 21.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $81.34 — today's price is already 25.3% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 6 | 8 | 10 | 12 | 14 |
|---|---|---|---|---|---|
| 12.3% | 1.1% | 7.0% | 11.9% | 16.1% | 19.7% |
| 17.3% | 5.6% | 11.8% | 16.9% | 21.3% | 25.0% |
| 22.3% | 10.1% | 16.6% | 21.9% | 26.4% | 30.4% |
| 27.3% | 14.6% | 21.3% | 26.9% | 31.6% | 35.7% |
| 32.3% | 19.1% | 26.1% | 31.9% | 36.8% | 41.0% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80Social Signal Score
Mentions (1)
- Newsprnewswire.com·1d ago·Negative
$6 Million in New Markets Tax Credit Financing for the Acquisition, Renovation, and Equipping of a Tractor Assembly Facility in Monroeville, AL ATMORE, Ala., Aug. 18, 2026 /PRNewswire/ -- UB Community Development (UBCD), a community development partner of United Bank is pleased to announce its role in the $28 million New Markets Tax Credits (NMTC) financing for the redevelopment of a former apparel distribution facility into an assembly, manufacturing and distribution plant in Monroeville, Alaba
View source ↗
Earnings
Fri, Oct 30(in 2 months)
Consensus estimate $1.35 per share
Typical surprise -10.9% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$1.91 vs $1.31beat
- Thu, Apr 30$1.80 vs $1.29beat
- Fri, Jan 30$1.15 vs $1.29miss
- Fri, Oct 31$1.29 vs $1.67miss
- Thu, Jul 31$1.36 vs $1.78miss
- Fri, Apr 25$1.42 vs $1.73miss
Estimates and results for UBAB via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by UBAB officers and directors.
- Bought
- $109k
- Sold
- —
14 trades
0 trades
- Andreoli Michael Rbought
- Andreoli Michael Rbought
- Andreoli Michael Rbought
- Andreoli Michael Rbought
- Andreoli Michael Rbought
- Justice William Jbought
- Justice William Jbought
- Crim L Walterbought
49 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.