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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.50
UBOH's Cash-to-Debt is ranked lower than
72% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. UBOH: 0.50 )
Ranked among companies with meaningful Cash-to-Debt only.
UBOH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.74 Max: No Debt
Current: 0.5
Equity-to-Asset 0.12
UBOH's Equity-to-Asset is ranked higher than
68% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBOH: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
UBOH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.12
0.07
0.12
Interest Coverage 3.26
UBOH's Interest Coverage is ranked higher than
69% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. UBOH: 3.26 )
Ranked among companies with meaningful Interest Coverage only.
UBOH' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 0.81 Max: 3.53
Current: 3.26
0.25
3.53
WACC vs ROIC
5.67%
7.63%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating Margin % 29.90
UBOH's Operating Margin % is ranked lower than
52% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. UBOH: 29.90 )
Ranked among companies with meaningful Operating Margin % only.
UBOH' s Operating Margin % Range Over the Past 10 Years
Min: 11.79  Med: 25.12 Max: 29.9
Current: 29.9
11.79
29.9
Net Margin % 22.72
UBOH's Net Margin % is ranked higher than
53% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. UBOH: 22.72 )
Ranked among companies with meaningful Net Margin % only.
UBOH' s Net Margin % Range Over the Past 10 Years
Min: 11.22  Med: 20.17 Max: 23.3
Current: 22.72
11.22
23.3
ROE % 7.49
UBOH's ROE % is ranked lower than
57% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. UBOH: 7.49 )
Ranked among companies with meaningful ROE % only.
UBOH' s ROE % Range Over the Past 10 Years
Min: 5.13  Med: 7.27 Max: 9.64
Current: 7.49
5.13
9.64
ROA % 0.89
UBOH's ROA % is ranked higher than
52% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UBOH: 0.89 )
Ranked among companies with meaningful ROA % only.
UBOH' s ROA % Range Over the Past 10 Years
Min: 0.46  Med: 0.77 Max: 0.94
Current: 0.89
0.46
0.94
3-Year Revenue Growth Rate 6.50
UBOH's 3-Year Revenue Growth Rate is ranked higher than
64% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. UBOH: 6.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UBOH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -16.5  Med: 5.1 Max: 66.8
Current: 6.5
-16.5
66.8
3-Year EBITDA Growth Rate 9.50
UBOH's 3-Year EBITDA Growth Rate is ranked higher than
61% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. UBOH: 9.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UBOH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.2  Med: 7.3 Max: 29.6
Current: 9.5
-19.2
29.6
3-Year EPS without NRI Growth Rate 7.60
UBOH's 3-Year EPS without NRI Growth Rate is ranked higher than
51% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UBOH: 7.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UBOH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -15  Med: 9.2 Max: 21.3
Current: 7.6
-15
21.3
GuruFocus has detected 3 Warning Signs with United Bancshares Inc $UBOH.
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» UBOH's 10-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
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United Bancshares Inc is a bank holding company. The Company through its subsidiary provides commercial & retail banking services including checking accounts, savings & money market accounts, certificates of deposit, wealth & treasury management services.

United Bancshares Inc is a bank holding company incorporated and organized in 1985 registered under the Bank Holding Company Act of 1956, as amended, and is subject to regulation by the Board of Governors of the Federal Reserve System. It is engaged in the business of commercial banking. It is a 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 Company offers commercial banking services, including checking accounts, savings and money market accounts; certificates of deposit; automatic teller machines; commercial, consumer, agricultural, residential mortgage and home equity loans; safe deposit box rentals; and other personalized banking services. It competes for deposits with other commercial banks, savings associations and credit unions and issuers of commercial paper and other securities, such as shares in money market mutual funds. 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.

Ratios

vs
industry
vs
history
PE Ratio 12.20
UBOH's PE Ratio is ranked higher than
56% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. UBOH: 12.20 )
Ranked among companies with meaningful PE Ratio only.
UBOH' s PE Ratio Range Over the Past 10 Years
Min: 5.61  Med: 10.63 Max: 23.83
Current: 12.2
5.61
23.83
PE Ratio without NRI 12.20
UBOH's PE Ratio without NRI is ranked higher than
58% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. UBOH: 12.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
UBOH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.61  Med: 10.63 Max: 23.83
Current: 12.2
5.61
23.83
Price-to-Owner-Earnings 14.32
UBOH's Price-to-Owner-Earnings is ranked lower than
52% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. UBOH: 14.32 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UBOH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.28  Med: 12.31 Max: 115.06
Current: 14.32
7.28
115.06
PB Ratio 0.92
UBOH's PB Ratio is ranked higher than
63% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBOH: 0.92 )
Ranked among companies with meaningful PB Ratio only.
UBOH' s PB Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.73 Max: 1.38
Current: 0.92
0.39
1.38
PS Ratio 2.78
UBOH's PS Ratio is ranked higher than
59% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. UBOH: 2.78 )
Ranked among companies with meaningful PS Ratio only.
UBOH' s PS Ratio Range Over the Past 10 Years
Min: 1.03  Med: 2.15 Max: 3.15
Current: 2.78
1.03
3.15
Price-to-Free-Cash-Flow 16.02
UBOH's Price-to-Free-Cash-Flow is ranked lower than
66% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. UBOH: 16.02 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UBOH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.27  Med: 7.49 Max: 38.17
Current: 16.02
2.27
38.17
Price-to-Operating-Cash-Flow 10.20
UBOH's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. UBOH: 10.20 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UBOH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.25  Med: 6.06 Max: 30.46
Current: 10.2
2.25
30.46
EV-to-EBIT 11.41
UBOH's EV-to-EBIT is ranked higher than
52% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. UBOH: 11.41 )
Ranked among companies with meaningful EV-to-EBIT only.
UBOH' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.2  Med: 11.8 Max: 74.8
Current: 11.41
-3.2
74.8
EV-to-EBITDA 11.41
UBOH's EV-to-EBITDA is ranked lower than
52% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. UBOH: 11.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBOH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3.2  Med: 11.8 Max: 74.8
Current: 11.41
-3.2
74.8
PEG Ratio 0.82
UBOH's PEG Ratio is ranked higher than
68% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. UBOH: 0.82 )
Ranked among companies with meaningful PEG Ratio only.
UBOH' s PEG Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.84 Max: 4.39
Current: 0.82
0.36
4.39
Shiller PE Ratio 15.47
UBOH's Shiller PE Ratio is ranked higher than
69% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. UBOH: 15.47 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBOH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.41  Med: 10.07 Max: 17.48
Current: 15.47
5.41
17.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.19
UBOH's Dividend Yield % is ranked lower than
64% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. UBOH: 2.19 )
Ranked among companies with meaningful Dividend Yield % only.
UBOH' s Dividend Yield % Range Over the Past 10 Years
Min: 0.39  Med: 3.13 Max: 7.48
Current: 2.19
0.39
7.48
Dividend Payout Ratio 0.26
UBOH's Dividend Payout Ratio is ranked higher than
64% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UBOH: 0.26 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UBOH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.26 Max: 0.71
Current: 0.26
0.04
0.71
3-Year Dividend Growth Rate 30.10
UBOH's 3-Year Dividend Growth Rate is ranked higher than
86% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. UBOH: 30.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UBOH' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.45 Max: 93.1
Current: 30.1
0
93.1
Forward Dividend Yield % 2.34
UBOH's Forward Dividend Yield % is ranked lower than
64% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. UBOH: 2.34 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.20
UBOH's 5-Year Yield-on-Cost % is ranked lower than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UBOH: 2.20 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UBOH' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.39  Med: 3.13 Max: 7.48
Current: 2.2
0.39
7.48
3-Year Average Share Buyback Ratio 1.70
UBOH's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. UBOH: 1.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UBOH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -44.6  Med: 0.3 Max: 1.8
Current: 1.7
-44.6
1.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.09
UBOH's Price-to-Tangible-Book is ranked higher than
55% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. UBOH: 1.09 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UBOH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.46  Med: 1.06 Max: 2.02
Current: 1.09
0.46
2.02
Price-to-Intrinsic-Value-Projected-FCF 0.49
UBOH's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
77% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UBOH: 0.49 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UBOH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.41 Max: 0.71
Current: 0.49
0.21
0.71
Price-to-Median-PS-Value 1.29
UBOH's Price-to-Median-PS-Value is ranked lower than
68% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. UBOH: 1.29 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UBOH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.12 Max: 2.47
Current: 1.29
0.48
2.47
Price-to-Peter-Lynch-Fair-Value 0.80
UBOH's Price-to-Peter-Lynch-Fair-Value is ranked higher than
68% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBOH: 0.80 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UBOH' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.45  Med: 0.84 Max: 2.05
Current: 0.8
0.45
2.05
Price-to-Graham-Number 0.77
UBOH's Price-to-Graham-Number is ranked higher than
61% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. UBOH: 0.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UBOH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 0.75 Max: 1.32
Current: 0.77
0.41
1.32
Earnings Yield (Greenblatt) % 8.76
UBOH's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. UBOH: 8.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBOH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 8.3 Max: 85.6
Current: 8.76
1.3
85.6
Forward Rate of Return (Yacktman) % 23.34
UBOH's Forward Rate of Return (Yacktman) % is ranked higher than
76% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. UBOH: 23.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UBOH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.7  Med: 20.2 Max: 42
Current: 23.34
-1.7
42

More Statistics

Revenue (TTM) (Mil) $24.30
EPS (TTM) $ 1.68
Beta0.35
Short Percentage of Float0.59%
52-Week Range $17.18 - 23.78
Shares Outstanding (Mil)3.27
» More Articles for UBOH

Headlines

Articles On GuruFocus.com
8 Undervalued Stocks for the Peter Lynch Ratio Feb 27 2017 
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 

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