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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.63
UBOH's Cash to Debt is ranked higher than
65% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. UBOH: 0.63 )
UBOH' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.63

Equity to Asset 0.12
UBOH's Equity to Asset is ranked higher than
82% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBOH: 0.12 )
UBOH' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.12

0.07
0.12
Interest Coverage 1.81
UBOH's Interest Coverage is ranked higher than
74% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. UBOH: 1.81 )
UBOH' s 10-Year Interest Coverage Range
Min: 0.25   Max: 9999.99
Current: 1.81

0.25
9999.99
F-Score: 4
Z-Score: 0.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 27.91
UBOH's Operating margin (%) is ranked higher than
72% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. UBOH: 27.91 )
UBOH' s 10-Year Operating margin (%) Range
Min: 11.79   Max: 30.11
Current: 27.91

11.79
30.11
Net-margin (%) 22.02
UBOH's Net-margin (%) is ranked higher than
76% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. UBOH: 22.02 )
UBOH' s 10-Year Net-margin (%) Range
Min: 11.22   Max: 39.58
Current: 22.02

11.22
39.58
ROE (%) 7.37
UBOH's ROE (%) is ranked higher than
71% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. UBOH: 7.37 )
UBOH' s 10-Year ROE (%) Range
Min: 4.93   Max: 15.54
Current: 7.37

4.93
15.54
ROA (%) 0.83
UBOH's ROA (%) is ranked higher than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. UBOH: 0.83 )
UBOH' s 10-Year ROA (%) Range
Min: 0.46   Max: 1.5
Current: 0.83

0.46
1.5
ROC (Joel Greenblatt) (%) 64.16
UBOH's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. UBOH: 64.16 )
UBOH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 29.71   Max: 94.47
Current: 64.16

29.71
94.47
Revenue Growth (%) -5.60
UBOH's Revenue Growth (%) is ranked higher than
60% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBOH: -5.60 )
UBOH' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 8.4
Current: -5.6

0
8.4
EBITDA Growth (%) 22.00
UBOH's EBITDA Growth (%) is ranked higher than
88% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBOH: 22.00 )
UBOH' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 22
Current: 22

0
22
EPS Growth (%) 18.10
UBOH's EPS Growth (%) is ranked higher than
83% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. UBOH: 18.10 )
UBOH' s 10-Year EPS Growth (%) Range
Min: -15   Max: 21.3
Current: 18.1

-15
21.3
» UBOH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 11.50
UBOH's P/E(ttm) is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. UBOH: 11.50 )
UBOH' s 10-Year P/E(ttm) Range
Min: 5.6   Max: 23.89
Current: 11.5

5.6
23.89
P/B 0.80
UBOH's P/B is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBOH: 0.80 )
UBOH' s 10-Year P/B Range
Min: 0.39   Max: 1.5
Current: 0.8

0.39
1.5
P/S 2.40
UBOH's P/S is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UBOH: 2.40 )
UBOH' s 10-Year P/S Range
Min: 1.03   Max: 3.4
Current: 2.4

1.03
3.4
PFCF 12.40
UBOH's PFCF is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. UBOH: 12.40 )
UBOH' s 10-Year PFCF Range
Min: 2.26   Max: 19.88
Current: 12.4

2.26
19.88
EV-to-EBIT 10.69
UBOH's EV-to-EBIT is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. UBOH: 10.69 )
UBOH' s 10-Year EV-to-EBIT Range
Min: 1.2   Max: 74.8
Current: 10.69

1.2
74.8
PEG 0.70
UBOH's PEG is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. UBOH: 0.70 )
UBOH' s 10-Year PEG Range
Min: 0.37   Max: 5.99
Current: 0.7

0.37
5.99
Shiller P/E 13.00
UBOH's Shiller P/E is ranked higher than
93% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. UBOH: 13.00 )
UBOH' s 10-Year Shiller P/E Range
Min: 5.9   Max: 14.51
Current: 13

5.9
14.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
UBOH's Dividend Yield is ranked lower than
73% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. UBOH: 1.40 )
UBOH' s 10-Year Dividend Yield Range
Min: 0.39   Max: 7.48
Current: 1.4

0.39
7.48
Dividend Payout 0.16
UBOH's Dividend Payout is ranked higher than
95% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBOH: 0.16 )
UBOH' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1.67
Current: 0.16

0.09
1.67
Dividend growth (3y) -23.70
UBOH's Dividend growth (3y) is ranked higher than
58% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. UBOH: -23.70 )
UBOH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 10.1
Current: -23.7

0
10.1
Yield on cost (5-Year) 1.40
UBOH's Yield on cost (5-Year) is ranked lower than
71% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. UBOH: 1.40 )
UBOH' s 10-Year Yield on cost (5-Year) Range
Min: 0.39   Max: 7.48
Current: 1.4

0.39
7.48

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
UBOH's Price/Tangible Book is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. UBOH: 0.90 )
UBOH' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 1.83
Current: 0.9

0.45
1.83
Price/DCF (Projected) 0.40
UBOH's Price/DCF (Projected) is ranked higher than
94% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. UBOH: 0.40 )
UBOH' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 0.69
Current: 0.4

0.21
0.69
Price/Median PS Value 1.10
UBOH's Price/Median PS Value is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UBOH: 1.10 )
UBOH' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 4.82
Current: 1.1

0.48
4.82
Price/Peter Lynch Fair Value 0.80
UBOH's Price/Peter Lynch Fair Value is ranked higher than
92% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBOH: 0.80 )
UBOH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52   Max: 1.96
Current: 0.8

0.52
1.96
Price/Graham Number 0.70
UBOH's Price/Graham Number is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. UBOH: 0.70 )
UBOH' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 1.78
Current: 0.7

0.38
1.78
Earnings Yield (Greenblatt) 9.30
UBOH's Earnings Yield (Greenblatt) is ranked higher than
82% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UBOH: 9.30 )
UBOH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 85.6
Current: 9.3

1.3
85.6
Forward Rate of Return (Yacktman) 25.38
UBOH's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. UBOH: 25.38 )
UBOH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.8   Max: 45.3
Current: 25.38

-0.8
45.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
United Bancshares, Inc., an Ohio corporation was incorporated and organized in 1985. The Company is a bank holding company for The Union Bank Company. The Bank is engaged in the business of commercial banking. The Bank is an Ohio state-chartered bank, which serves the Ohio counties of Allen, Hancock, Putnam, Sandusky, Van Wert and Wood, with office locations in bowling green, Columbus Grove, Delphos, Findlay, Gibsonburg, Kalida, Leipsic, Lima, Ottawa, and Pemberville, Ohio. The Bank offers a range of commercial banking services, including checking accounts, savings and money market accounts; time certificates of deposit; automatic teller machines; commercial, consumer, agricultural, residential mortgage and home equity loans; safe deposit box rentals; and other personalized banking services. The Corporation competes for deposits with other savings associations, commercial banks and credit unions and issuers of commercial paper and other securities, such as shares in money market mutual funds. In making loans, the Corporation competes with other commercial banks, savings associations, consumer finance companies, credit unions, leasing companies, mortgage companies and other lenders. As an Ohio state-chartered bank, the Bank is supervised and regulated by the Ohio Division of Financial Institutions and the Federal Deposit Insurance Corporation. The deposits of the Bank are insured by the FDIC and the Bank is subject to the applicable provisions of the Federal Deposit Insurance Act. The Corporation is also subject to the reporting requirements of, and examination and regulation by, the Federal Reserve Board.
» More Articles for UBOH

Headlines

Articles On GuruFocus.com
.7 ptbv Apr 29 2013 
Insider buying .7 PT Apr 27 2013 
United Bancshares Inc. Reports Operating Results (10-Q) Nov 15 2010 
United Bancshares Inc. (UBOH) CFO Brian D Young buys 1,468 Shares May 19 2010 
United Bancshares Inc. (UBOH) CEO Daniel Walter Schutt buys 1,826 Shares May 19 2010 
United Bancshares Inc. Reports Operating Results (10-Q) May 11 2010 
United Bancshares Inc. Reports Operating Results (10-Q) Nov 13 2009 
United Bancshares Inc. (UBOH) CEO Daniel Walter Schutt buys 1,472 Shares May 13 2009 
United Bancshares Inc. (UBOH) CFO Brian D Young buys 1,221 Shares May 13 2009 
United Bancshares Inc. Reports Operating Results (10-Q) May 01 2009 

More From Other Websites
UNITED BANCSHARES INC/OH Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 25 2014
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