United Bancorporation of Alabama, Inc. Financial Ratios — UBAB

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	12.77	12.47	3.89	2.05	-19.1	-6.24	4.93	32.39	21.18	21.62	26.24	21.24	28.83	20.15	11.76
Return on Assets (%)	0.85	0.79	0.23	0.11	-0.8	-0.18	0.26	1.84	1.43	1.42	1.76	1.48	2.26	2.01	1.38
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	7.26	6.73	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	30.07	28.37	12.45	7.89	-32.4	-3.88	4.65	2.37	2.8	3.22	2.83	2.83	1.86	1.79	2.14
Operating Margin (%)	23.52	21.65	4.57	0.41	-39.59	-9.8	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	40.77	9	213.92	-97.17	- -	- -	212.41	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.52	21.65	4.57	0.41	-39.59	-9.8	7.68	39.47	35.85	37.62	45.74	43.42	53.19	46.11	34.87
Profit Margin (%)	17.31	16.32	5.85	2.97	-21.98	-4.24	5.73	30.55	28.14	29.77	35.4	33.77	40.95	35.77	27.76
Net Income to Common Margin (%)	17.31	16.32	5.85	2.97	-25.17	-6.53	4.73	30.55	28.14	29.77	35.4	33.77	40.95	34.43	24.27
Effective Tax Rate (%)	26.43	24.6	- -	- -	- -	- -	25.48	22.6	21.51	20.84	22.59	22.22	23.01	22.42	20.39
Dvd Payout Ratio (%)	23.02	21.31	68.03	123.73	2.54	-0.21	0.66	3.53	4.98	8.67	5.53	6.75	9.35	11.23	25.13
Sustainable Growth Rate (%)	9.83	9.82	1.24	-0.49	-18.61	-6.25	4.9	31.24	20.12	19.74	24.79	19.8	26.14	17.89	8.81

Credit (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	13	21	12	12	12	22	11	15	18	20	24	19	41	34	30
ST Debt	- -	- -	- -	10	10	10	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	13	21	12	2	1	12	11	15	18	20	24	19	41	34	30
Total Debt/EBITDA	2.61	3.9	5.5	8.22	-1.98	-28.49	11.86	19.35	18.86	15.38	15.89	12.11	28.45	24.23	19.93
Net Debt/EBITDA	-6.25	-5.5	-16.86	-79.27	7.23	76.84	-46.54	-34.13	-80.16	-184.53	-61.1	-159.9	-125.57	-87.33	-81.78
Total Debt/EBIT	3.33	5.11	14.99	157.2	-1.62	-11.28	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-7.99	-7.2	-45.92	-1,516.62	5.91	30.43	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.46	6.19	5.84	4.84	4.75	4.23	4.48	6.54	6.97	6.26	7.08	6.86	8.79	10.38	10.14
Long-Term Debt/Equity (%)	46.8	69.2	37.86	3.82	3.85	32.63	30.66	32.11	22.17	20.88	21.43	8.91	16.41	12.78	11.23
Long-Term Debt/Capital (%)	35.43	44.64	31.14	3.32	3.32	22.41	27.48	26.43	26.6	24.62	22.85	7.91	14.23	11.21	10.05
Long-Term Debt/Total Assets (%)	3.54	4.99	2.64	0.29	0.32	2.48	2.56	2.35	2.52	2.05	2.1	1.35	2.93	2.43	2.09
Total Debt/Equity (%)	46.8	69.2	37.86	28.3	31.29	61.66	30.66	32.11	22.17	20.88	21.43	8.91	16.41	12.78	11.23
Total Debt/Capital (%)	35.43	44.64	31.14	24.59	27.04	42.34	27.48	26.43	26.6	24.62	22.85	7.91	14.23	11.21	10.05
Total Debt/Total Assets (%)	3.54	4.99	2.64	2.17	2.57	4.69	2.56	2.35	2.52	2.05	2.1	1.35	2.93	2.43	2.09
Net Debt to Equity	-112.13	-97.45	-116.02	-273.02	-114.24	-166.29	-120.34	-56.64	-94.21	-250.56	-82.4	-117.66	-72.42	-46.08	-46.06
Net Debt/Capital (%)	417.44	837.06	359.2	146.59	383.54	202	305.29	-173.02	285.19	134.24	819.5	839.16	-273.32	-83.48	-84.73
EBITDA	5	5	2	1	-6	-1	1	1	1	1	1	2	1	1	2
EBITDA-CapEx	5	5	2	-2	-6	-1	1	-1	-2	- -	1	- -	1	-4	- -
Operating Income (Loss)	4	4	1	- -	-7	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.46	6.19	5.84	4.84	4.75	4.23	4.48	6.54	6.97	6.26	7.08	6.86	8.79	10.38	10.14
Long-Term Debt/Equity (%)	46.8	69.2	37.86	3.82	3.85	32.63	30.66	32.11	22.17	20.88	21.43	8.91	16.41	12.78	11.23
Long-Term Debt/Capital (%)	35.43	44.64	31.14	3.32	3.32	22.41	27.48	26.43	26.6	24.62	22.85	7.91	14.23	11.21	10.05
Long-Term Debt/Total Assets (%)	3.54	4.99	2.64	0.29	0.32	2.48	2.56	2.35	2.52	2.05	2.1	1.35	2.93	2.43	2.09
Total Debt/Equity (%)	46.8	69.2	37.86	28.3	31.29	61.66	30.66	32.11	22.17	20.88	21.43	8.91	16.41	12.78	11.23
Total Debt/Capital (%)	35.43	44.64	31.14	24.59	27.04	42.34	27.48	26.43	26.6	24.62	22.85	7.91	14.23	11.21	10.05
Total Debt/Total Assets (%)	3.54	4.99	2.64	2.17	2.57	4.69	2.56	2.35	2.52	2.05	2.1	1.35	2.93	2.43	2.09
CFO/Total Liabilities	1.39	1.05	0.91	0.61	0.75	1.19	1.68	1.86	2.55	0.94	2.59	2.04	3.42	3.51	2.58
CFO/CapEx	- -	- -	- -	0.91	45.54	92.49	19.93	7.93	6.18	5.77	50.41	13.3	100.16	7.8	28.05
Altman's Z-Score	0.23	0.16	0.17	0.14	0.07	0.1	0.11	0.19	0.24	0.19	0.21	0.2	0.26	0.31	0.28

Working Capital (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	5.78	5.77	4.68	5.1	6	7.84	9.53	11.23	8.95	9.88	11.11	9.62	10.61	8.99	7.52
Days Sales Outstanding	63.12	63.22	77.93	71.5	60.85	46.55	38.31	32.52	40.8	36.95	32.85	37.95	34.42	40.59	48.53
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	34	- -	32	36	11	11	4	50	97	84	113	129	149	201	175
- Cash & Cash Equivalents	45	51	49	127	55	81	56	41	96	263	114	269	221	156	155
+ Preferred Equity and Hybrid Capital	- -	- -	- -	10	10	10	10	- -	- -	- -	- -	124	124	124	124
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	13	21	12	12	12	22	11	15	18	20	24	19	41	34	30
Enterprise Value	3	-30	-5	-69	-21	-38	-31	-107	-103	-303	-256	-326	-173	-62	-121
Total Capital	37	48	39	48	43	52	42	57	69	82	103	239	287	303	301
Total Debt/Capital (%)	35.43	44.64	31.14	24.59	27.04	42.34	27.48	26.43	26.6	24.62	22.85	7.91	14.23	11.21	10.05
Total Debt / EV	4.76	-0.71	-2.6	-0.17	-0.55	-0.58	-0.37	-0.14	-0.18	-0.07	-0.09	-0.06	-0.24	-0.54	-0.25
EV/Sales	0.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	0.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	0.7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	0.58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	34	- -	33	36	11	11	4	50	97	84	113	129	149	201	175
Diluted Enterprise Value	3	-30	-4	-69	-21	-38	-31	23	19	-159	23	2	93	202	175
EV per Share	1.19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	17	19	18	18	18	20	21	33	35	41	52	55	77	78	71
TTM EBITDA	5	5	2	1	-6	-1	1	1	1	1	1	2	1	1	2
TTM Operating Income	4	4	1	- -	-7	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	4	4	3	3	5	7	11	16	8	26	24	39	40	31
TTM Free Cash Flow to Firm	5	4	4	7	3	5	7	12	19	10	27	26	39	45	32

Multiples (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.19	- -	8.41	5.44	3.54	2.18	0.57	4	5.06	8.58	4.24	4.92	3.77	4.47	5.54
EV/EBIT	0.7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	3	-30	-5	-69	-21	-38	-31	-107	-103	-303	-256	-326	-173	-62	-121
Low Price	14.1	- -	13.38	13.1	4.76	4.81	1.64	15.05	19.93	17.98	22.25	25.05	31.25	39.8	48.1
EV/Sales	0.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	0.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.81	- -	31.39	65.14	- -	- -	4.17	4.96	9.88	6.91	6.11	6.88	4.72	7.45	10.18
Price/Earnings Average	11.75	- -	36.52	60.09	-5.42	-8.71	10.08	4.54	7.33	6.7	5.86	5.77	4.38	6.27	10.32
Price/Earnings High	12.07	- -	38.54	65.14	-7.69	-8.76	11.9	5.37	9.93	8.69	6.57	7.43	5	7.84	11.48
Price/Earnings Low	11.27	- -	30.19	55.59	-2.38	-8.51	3.9	3.68	6.97	5.58	4.57	4.9	3.55	5.2	9.2
Price/Book Value	1.43	- -	1.21	1.34	0.53	0.57	0.2	1.19	1.91	1.36	1.43	1.33	1.22	1.38	1.19
Price/Book Value Average	1.42	- -	1.41	1.23	1.15	0.57	0.49	1.09	1.41	1.32	1.37	1.12	1.13	1.16	1.21
Price/Book Value High	1.46	- -	1.49	1.34	1.63	0.57	0.58	1.29	1.92	1.71	1.53	1.44	1.29	1.45	1.34
Price/Book Value Low	1.37	- -	1.17	1.14	0.51	0.56	0.19	0.88	1.34	1.1	1.07	0.95	0.92	0.96	1.08
Price/Tangible Book Value	1.26	- -	1.05	1.14	0.43	0.45	0.15	1.06	1.17	0.87	1.1	1.57	1.26	1.49	1.26
Price/Tangible Book Value Average	1.25	- -	1.22	1.05	0.94	0.44	0.36	0.97	0.87	0.84	1.06	1.32	1.17	1.25	1.28
Price/Tangible Book Value High	1.29	- -	1.28	1.14	1.33	0.45	0.43	1.15	1.17	1.09	1.19	1.7	1.34	1.57	1.42
Price/Tangible Book Value Low	1.2	- -	1.01	0.97	0.41	0.43	0.14	0.79	0.82	0.7	0.83	1.12	0.95	1.04	1.14
Price/Sales	2.04	- -	1.84	1.93	0.62	0.57	0.2	1.52	2.78	2.06	2.16	2.33	1.93	2.57	2.47
Price/Sales Average	2.03	- -	2.14	1.78	1.36	0.57	0.48	1.39	2.06	1.99	2.08	1.95	1.8	2.16	2.5
Price/Sales High	2.09	- -	2.25	1.93	1.93	0.57	0.56	1.64	2.79	2.59	2.33	2.51	2.05	2.7	2.79
Price/Sales Low	1.95	- -	1.77	1.65	0.6	0.56	0.18	1.12	1.96	1.66	1.62	1.65	1.45	1.79	2.23
Price/Cash Flow	7.19	- -	8.36	11.44	3.62	2.21	0.59	4.51	5.88	10.06	4.33	5.29	3.81	5.04	5.73
Price/Cash Flow Average	7.15	- -	9.73	10.55	7.92	2.2	1.44	4.12	4.37	9.75	4.15	4.43	3.54	4.24	5.81
Price/Cash Flow High	7.35	- -	10.27	11.44	11.23	2.21	1.7	4.88	5.91	12.66	4.65	5.71	4.03	5.31	6.46
Price/Cash Flow Low	6.87	- -	8.04	9.76	3.48	2.15	0.56	3.34	4.15	8.13	3.24	3.76	2.86	3.52	5.18
Price/Free Cash Flow Average	7.15	- -	9.78	5.02	7.75	2.17	1.37	3.66	3.76	8.31	4.07	4.12	3.5	3.76	5.61
Price/Free Cash Flow High	7.35	- -	10.32	5.44	10.99	2.18	1.62	4.33	5.09	10.79	4.56	5.31	3.99	4.7	6.24
Price/Free Cash Flow Low	6.87	- -	8.09	4.65	3.41	2.12	0.53	2.96	3.57	6.93	3.17	3.5	2.83	3.12	5
EV/Sales Average	0.15	- -	0.04	- -	- -	- -	- -	0.58	- -	- -	0.35	- -	1.06	2.18	2.5
EV/Sales High	0.21	- -	0.15	- -	0.14	- -	- -	0.83	0.55	- -	0.6	0.23	1.31	2.72	2.78
EV/Sales Low	0.07	- -	- -	- -	- -	- -	- -	0.32	- -	- -	- -	- -	0.72	1.81	2.23
EV/EBITDA Average	0.51	-5.5	0.29	-49.79	1.33	49.07	-25.76	24.51	-6.55	-122.55	12.36	-11.92	57.14	121.49	116.48
EV/EBITDA High	0.7	-5.5	1.24	-47.9	-0.43	48.99	-23.9	35.25	19.56	-104.07	21.2	7.97	70.6	151.72	129.58
EV/EBITDA Low	0.24	-5.5	-2.68	-51.49	3.69	49.41	-32.04	13.33	-10.18	-132.86	-3.84	-22.28	38.76	100.98	103.83
EV/EBIT Average	0.65	-7.2	0.8	-952.73	1.09	19.43	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	0.89	-7.2	3.39	-916.41	-0.35	19.4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	0.31	-7.2	-7.3	-985.14	3.02	19.56	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	14.77	- -	13.91	15.35	4.95	4.95	1.75	20.32	28.25	22.25	29.74	35.2	41.6	57	53.2
High Price	15.1	- -	17.08	15.35	15.35	4.95	5	22	28.4	28	31.98	38	44	59.99	59.99
Enterprise Value Average	3	-30	1	-72	-8	-38	-25	19	-6	-161	18	-19	82	170	177
Enterprise Value High	4	-30	3	-69	3	-38	-23	27	19	-137	31	12	101	213	197
Enterprise Value Low	1	-30	-6	-75	-22	-38	-31	10	-10	-175	-6	-35	56	142	158

Shares Outstanding	2	2	2	2	2	2	2	- -	4	4	4	4	4	3	3
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	3	4	4	4	4	4	3
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	3	4	4	4	4	4	3
Revenue per Share	7.23	8.3	7.58	7.94	7.93	8.65	8.88	13.4	10.16	10.82	13.75	15.14	21.51	22.22	21.54
EBITDA per Share	2.17	2.36	0.94	0.63	-2.57	-0.34	0.41	0.32	0.28	0.35	0.39	0.43	0.4	0.4	0.46
Operating Income per Share	1.7	1.8	0.35	0.03	-3.14	-0.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.25	1.36	0.44	0.24	-2	-0.56	0.42	4.09	2.86	3.22	4.87	5.11	8.81	7.65	5.23
Basic EPS from Cont Ops	1.25	1.36	0.44	0.24	-1.74	-0.37	0.51	4.09	2.86	3.22	4.87	5.11	8.81	7.95	5.98
Diluted EPS, GAAP	1.25	1.35	0.44	0.24	-2	-0.56	0.42	4.09	2.86	3.22	4.87	5.11	8.81	7.65	5.23
Diluted EPS from Cont Ops	1.25	1.35	0.44	0.24	-1.74	-0.37	0.51	4.09	2.86	3.22	4.87	5.11	8.81	7.95	5.98
Dividend per Share	0.29	0.29	0.3	0.29	0.2	0.2	0.09	0.14	0.14	0.28	0.27	0.35	0.82	1.16	2.07
Cash Flow per Share	2.05	1.79	1.66	1.34	1.37	2.24	2.95	4.51	4.8	2.21	6.87	6.65	10.91	11.3	9.28
Free Cash Flow per Basic Share	2.05	1.79	1.66	-0.14	1.34	2.22	2.8	3.94	4.03	1.83	6.74	6.15	10.81	9.86	8.95
Cash & Equivalents per Share	19.25	22.14	21.1	54.79	23.66	35.37	24.12	70.47	63.69	107.9	103.18	163.55	135.98	119.47	136.91
Book Value per Share	10.33	11.4	11.48	11.48	9.4	8.63	8.58	17.08	14.82	16.38	20.84	26.43	34.12	41.25	44.72
Tangible Book Value per Share	11.71	12.89	13.31	13.48	11.52	11.11	11.62	19.11	24.23	25.63	26.94	22.37	32.91	38.32	42.28

United Bancorporation of Alabama, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)