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UBA (UBA) is listed on the Nigerian Exchange in the FINANCIAL SERVICES sector, with exposure to Commercial Banks. This page brings together the current share price, valuation, dividend context, business summary, and a practical current view so you can assess the stock faster.
FINANCIAL SERVICES
₦1.76T
0.6%
4.90
Current price
₦39.85
Updated Updated 1 min ago
Conviction
73/100
Confidence
Low
Market tone
neutral · 50/100
Entry
Medium · 73/100
Recent price action for UBA, so the page starts with the stock itself before the deeper analysis.
Both size and absolute trading activity suggest this name is usually easier to enter and exit.
Valuation view
Looks relatively cheap vs peers
Income view
Low income profile
Market tone
neutral (50/100) — price action, attention, and recent context all lean here.
Entry view
Medium (73/100) — The company is profitable on the latest reported numbers.
United Bank for Africa (UBA) is a commercial bank that provides personal, business, and corporate banking services across Africa, including deposits, loans, payments, and trade finance. It earns money mainly from the interest it charges on loans, fees and commissions for services (like payments and account maintenance), and income from trade finance and other banking products.
Investors usually follow UBA for its dividend profile, valuation signal, sector position, and upcoming company events. The goal here is not just to show numbers, but to explain what they mean in plain English.
Director dealings
0
Reported buys, sells, and mixed dealings.
Corporate actions
7
Dividend and company notices.
Market events
0
Insider, filing, dividend, and price events.
Source records
14
Captured updates we can trace.
Whisone is bullish because fundamentals are solid at 73/100 while today's volume is only 34% of average. Whisone has moderate conviction here. The final read is being balanced by the weighted scores for fundamentals, technicals, insider flow, sentiment, event flow, and liquidity.
Whisone v2 splits the read into weighted parts so the score is not just one hidden number.
Fundamentals
Growth, margins, cash flow, and valuation.
Sentiment
Market mood from flow, events, and attention.
ROE
9.1%
Return on equity
ROA
1.1%
Return on assets
Debt / equity
0.24
Lower is usually safer.
P/B ratio
94.51
Useful for book value support.
Dividend yield
0.6%
Current income signal.
99/100
Direction
Cautious
Main supports
Business quality and balance-sheet strength are supporting the outlook.
Valuation still leaves room versus fair value and analyst anchors.
Recent price and fundamentals refreshes improve signal reliability.
What can go wrong
Volatility is elevated, so the path can stay rough even if the thesis is right.
Fair value
₦3,010.85
Analyst view
Strong Buy
Analyst target
₦59.14
Forecast refresh
Updated 17 min ago
Quality score
72
Growth score
69.68
These are the external analyst numbers and business outlook figures already synced into the company record.
Low target
₦2,200,000,000,000.00
High target
₦2,500,000,000,000.00
Revenue this year
₦2.36T
Revenue next year
₦2.63T
EPS this year
₦15.72
EPS next year
₦18.34
Dividend / share
₦0.25
Forward P/E
-
₦2.30
2024-05-13
Payment: 2024-05-24 | Qualification: 2024-05-10 | Yield at declaration: N/A
₦0.50
2023-09-28
Payment: 2023-10-06 | Qualification: 2023-09-26 | Yield at declaration: N/A
Updated 1 min ago
Bulk intraday company price snapshot from NGXPulse.
NGX Pulse bulk price snapshot
Updated 6h ago
Bulk intraday company price snapshot from NGXPulse.
NGX Pulse bulk price snapshot
Updated 1d ago
Bulk intraday company price snapshot from NGXPulse.
NGX Pulse bulk price snapshot
Updated 2d ago
Bulk intraday company price snapshot from NGXPulse.
Price points saved
50
Latest market date
2026-06-25
Dividend yield
0.6%
Ex-dividend date
Oct 6, 2025
The CEO urged internal auditors to embrace AI as the sector navigates a rapidly changing digital landscape.
Sector spillover signals
banking selloff
UBA may also move because the FINANCIAL SERVICES sector may be hurt by banking selloff. Confidence 90%.
The piece describes a broad selloff in banking stocks that dragged the overall equities market lower.
trading_volume_lead
UBA may also move because the FINANCIAL SERVICES sector may benefit from trading_volume_lead. Confidence 67%.
The Financial Services Industry led activity with 1.523 billion shares (65.53% of volume) and the highest traded value contribution, driving sector liquidity and activity.
CBN draft holding-company rules
UBA may also move because the FINANCIAL SERVICES sector may be hurt by cbn draft holding-company rules. Confidence 67%.
The draft guidelines requiring ~N370bn fresh capital are said to weigh on banking stocks and drag the broader market lower.
FX Volatility
UBA may also move because the FINANCIAL SERVICES sector may move with fx volatility. Confidence 63%.
Currency conditions shape costs, debt, and translation effects.
FX volatility / naira devaluation
UBA may also move because the FINANCIAL SERVICES sector may move with fx volatility / naira devaluation. Confidence 63%.
Naira devaluation and currency reforms caused large FX-driven gains/losses for banks and underwriters holding foreign-currency securities.
Insurance industry reform
UBA may also move because the FINANCIAL SERVICES sector may move with insurance industry reform. Confidence 63%.
The Insurance Industry Reform Act 2025 removed composite business structures, requiring industry participants to unbundle life and general operations.
Regulation / industry reform
UBA may also move because the FINANCIAL SERVICES sector may move with regulation / industry reform. Confidence 63%.
The company announced it will split general and life insurance businesses to conform with the Nigeria Insurance Industry Reform Act 2025.
fixed-income yield attraction
UBA may also move because the FINANCIAL SERVICES sector may move with fixed-income yield attraction. Confidence 63%.
Rising yields encouraged rotation out of equities into bonds, reducing support for stocks; banks (a large index share) were part of the weakness.
UBA
UBA
Price: ₦39.85
P/E: 4.9
Yield: 0.6%
ABBEYBDS
ABBEYBDS
Price: ₦8.05
P/E: 32.98
Yield: 1.4%
ACCESSCORP
ACCESSCORP
Price: ₦22.95
P/E: 1.63
Yield: N/A
AFRINSURE
AFRINSURE
Price: ₦0.20
P/E: N/A
Yield: N/A
Industry
Commercial Banks
Founded
1948
Employees
10,821
Ticker
UBA
Estimated earnings date
2026-04-23
Latest annual result filed
2026-04-03
₦44.2B
Book value / share
94.51
