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United Bancorporation of Alabama, Inc.
UBABFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $89.83M | 21.9% | $19.67M | $29.46M | N/A |
| 2027 | $102.59M | 21.9% | $22.47M | $33.65M | $30.59M |
| 2028 | $117.15M | 21.9% | $25.66M | $38.43M | $31.76M |
| 2029 | $133.79M | 21.9% | $29.30M | $43.88M | $32.97M |
| 2030 | $152.79M | 21.9% | $33.46M | $50.11M | $34.23M |
| 2031 | $174.48M | 21.9% | $38.21M | $57.23M | $35.54M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $5.23 | 2025-12-31 |
| EPS growth | -31.6% | Forecast years: 5 |
| Future EPS | $0.783 | EPS × (1 + G)^5 |
| Base P/E | 8.9 | P/E |
| Future price | $6.969 | Future EPS × P/E |
| Fair value today | $4.327 | PV @ 10.0% |
| 30% safety price | $3.029 | Margin of safety |
| 50% safety price | $2.164 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $199.85 | $225.71 | $260.96 |
| 10.0% | $173.81 | $192.87 | $217.80 |
| 11.0% | $153.30 | $167.82 | $186.20 |