#United States #Finance #Alabama #Atmore #United Bancorporation

United Bancorporation of Alabama Reports Fourth Quarter Results

On January 30, 2026, the United Bancorporation of Alabama, Inc. disclosed its financial results for the fourth quarter of fiscal year 2025. The company, which is traded on the OTCQX under the symbol UBAB, reported a net income of $17.2 million for the twelve months ending December 31, 2025. This figure reflects a decrease compared to the net income of $26.9 million during the same timeframe in the previous year. Additionally, earnings per share (EPS) for the fiscal year stood at $5.23, a drop from $7.65 in 2024.

For the fourth quarter specifically, the financial outcomes revealed a net income of $3.7 million compared to $6.9 million from Q4 2024. The earnings per share for the last quarter of 2025 were reported at $1.15, down from $2.00 for the same quarter of the prior year.

Quarterly Highlights

• - Net Interest Margin: The company reported a net interest margin of 4.44%, showcasing its efficiency in generating profits from its financial assets compared to interest-bearing liabilities.
• - Share Buyback: In a strategic move, United Bancorporation repurchased 176,266 shares of its stock, an effort that often indicates the company's confidence in its future growth or a way to enhance shareholder value.

About United Bancorporation of Alabama, Inc.

United Bancorporation of Alabama, Inc., with a valuation of approximately $1.4 billion, serves as a financial holding company and the parent company of United Bank and UB Community Development. The organization primarily operates in Southwest Alabama and Northwest Florida. It holds the designation of a Community Development Financial Institution (CDFI), committed to fostering economic growth in underserved areas.

The company manages 23 branches across six counties, offering a range of financial services aimed at empowering local communities. UB Community Development is particularly focused on community enhancement through initiatives like New Markets Tax Credits and affordable housing programs.

For those interested in a more comprehensive view of their financial standing, the complete quarterly report is accessible through their investor relations page at www.UnitedBank.com. United Bancorporation is an esteemed member of the FDIC, ensuring the security of its customers' deposits.

As the organization looks forward to the future, it will undoubtedly continue to adapt its strategies to overcome challenges, taking proactive steps to bolster its financial health and drive community development efforts forward.