United Bancorp Of Alabama (United Bancorp Of Alabama) Risk Assessment

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What is United Bancorp Of Alabama Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of United Bancorp Of Alabama is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of United Bancorp Of Alabama's Risk Assessment

For the Banks - Regional subindustry, United Bancorp Of Alabama's Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

United Bancorp Of Alabama's Risk Assessment Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Bancorp Of Alabama's Risk Assessment distribution charts can be found below:

* The bar in red indicates where United Bancorp Of Alabama's Risk Assessment falls into.

United Bancorp Of Alabama (OTCPK:UBAB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

United Bancorp Of Alabama Risk Assessment Related Terms

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United Bancorp Of Alabama (United Bancorp Of Alabama) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Bancorp Of Alabama Inc (OTCPK:UBAB) » Definitions » Risk Assessment

Comparable Companies

Traded in Other Exchanges

N/A

Address

200 East Nashville Avenue, Atmore, AL, USA, 36502

Website

https://www.unitedbank.com

United Bancorp Of Alabama Inc is a bank holding company, which offers a broad range of banking services. The company serves the areas of Baldwin, Escambia, and Monroe Counties, Alabama, and Santa Rosa County, Florida. Some of its services include Personal Loans; Visa Credit Cards; Online/Mobile Banking; Safe Deposit Boxes and others.

Executives

Leslie H Cunningham	director	P O BOX 8, ATMORE AL 36502
Richard King Maxwell	director	P O BOX 8, ATMORE AL 36502
Dale M Ash	director	P.O. DRAWER 8, ATMORE AL 36504
Allen Jr Jones	officer: CFO & Treasurer	P O BOX 8, ATMORE AL 365074
John Wayne Trawick	director	P O BOX 8, ATMORE AL 36502
Jones Robert R Iii	director, officer: President	P.O. DRAWER 8, ATMORE AL 36504
William J Justice	director	P.O. DRAWER 8, ATMORE AL 36504
L Walter Crim	director	P.O. DRAWER 8, ATMORE AL 36504
David D Swift	director, officer: Secretary	P.O. DRAWER 8, ATMORE AL 36504
Michael R Andreoli	director	P.O. DRAWER 8, ATMORE AL 36504
William C Grissett	director	P.O. DRAWER 8, ATMORE AL 36504