United Bancorporation of Alabama, Inc. Announces Fourth Quarter Results

United Bancorporation of Alabama (OTCQX: UBAB) reported net income $17.2M for the twelve months ended Dec 31, 2025, down from $26.9M a year earlier.

Rhea-AI Summary

United Bancorporation of Alabama (OTCQX: UBAB) reported net income $17.2M for the twelve months ended Dec 31, 2025, down from $26.9M a year earlier. Twelve-month EPS was $5.23 versus $7.65 in 2024. Fourth-quarter net income was $3.7M and EPS $1.15. Quarterly highlights included a net interest margin of 4.44% and repurchase of 176,266 UBAB shares.

Positive

• Net interest margin of 4.44%
• Repurchased 176,266 UBAB shares (capital return to shareholders)

Negative

• Full-year net income declined 36% to $17.2M year-over-year
• Full-year EPS fell from $7.65 to $5.23
• Q4 net income declined 46% to $3.7M year-over-year
• Q4 EPS declined from $2.00 to $1.15

Argus Jan 30 session

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News Market Reaction – UBAB

On Jan 30, the day this news came out, UBAB closed 1.27% below the previous close.

Data tracked by StockTitan Argus for the Jan 30 session.

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ATMORE, Ala., Jan. 30, 2026 /PRNewswire/ -- (OTCQX: UBAB) - United Bancorporation of Alabama, Inc. reported net income of $17.2 million for the twelve months ended December 31, 2025, compared to net income of $26.9 million for the same period last year. Earnings per share for the twelve-month period were $5.23 compared to $7.65 for the same period in 2024. Net income for the three months ended December 31, 2025, was $3.7 million as compared to $6.9 million for the fourth quarter of 2024. Earnings per share for the three-month period were $1.15 versus $2.00 for the same period in 2024.

QUARTERLY HIGHLIGHTS

• Net interest margin of 4.44%
• Repurchased 176,266 shares of UBAB stock

About United Bancorporation of Alabama, Inc.

United Bancorporation of Alabama, Inc. is a $1.4 billion financial holding company and parent company of United Bank and UB Community Development, primarily serving Southwest Alabama and Northwest Florida. United is designated as a CDFI, committed to stimulating economic development in underserved communities. United and its subsidiaries operate 23 locations across six counties. UB Community Development focuses on economic and community development through New Markets Tax Credits, affordable housing and community facilities programs. For a complete quarterly report visit our investor relations tab at www.UnitedBank.com. Member FDIC.

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SOURCE United Bancorporation

FAQ

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What were United Bancorporation of Alabama (UBAB) full-year 2025 results?

UBAB reported net income of $17.2M for the twelve months ended Dec 31, 2025. According to United Bancorporation of Alabama, full-year EPS was $5.23, down from $7.65 in 2024, reflecting lower profitability year-over-year.

How did UBAB perform in Q4 2025 compared to Q4 2024?

UBAB posted Q4 net income of $3.7M and EPS of $1.15 for the three months ended Dec 31, 2025. According to United Bancorporation of Alabama, both metrics declined versus Q4 2024, when net income was $6.9M and EPS $2.00.

What does a 4.44% net interest margin mean for UBAB in 2025?

A net interest margin of 4.44% indicates UBAB's core lending spread remained positive in the quarter. According to United Bancorporation of Alabama, this margin reflects interest income relative to earning assets and supports net interest income generation.

How large was UBAB's share repurchase in the most recent quarter?

UBAB repurchased 176,266 shares of its common stock during the reported period. According to United Bancorporation of Alabama, the buyback represents a direct capital return to shareholders and reduces outstanding share count.

What are the key investor takeaways from UBAB's January 30, 2026 results?

Key takeaways: full-year net income and EPS fell substantially while net interest margin stayed at 4.44% and the company repurchased 176,266 shares. According to United Bancorporation of Alabama, these items show mixed operational results and active capital return.