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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 3.38
UBOH's Cash to Debt is ranked higher than
83% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. UBOH: 3.38 )
UBOH' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 3.38

Equity to Asset 0.11
UBOH's Equity to Asset is ranked higher than
78% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBOH: 0.11 )
UBOH' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.11

0.07
0.12
Interest Coverage 1.81
UBOH's Interest Coverage is ranked higher than
74% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 0.26
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 (%) 25.51
UBOH's Operating margin (%) is ranked higher than
69% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. UBOH: 25.51 )
UBOH' s 10-Year Operating margin (%) Range
Min: -257.57   Max: 30.11
Current: 25.51

-257.57
30.11
Net-margin (%) 20.53
UBOH's Net-margin (%) is ranked higher than
73% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. UBOH: 20.53 )
UBOH' s 10-Year Net-margin (%) Range
Min: 11.22   Max: 111.58
Current: 20.53

11.22
111.58
ROE (%) 6.71
UBOH's ROE (%) is ranked higher than
68% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. UBOH: 6.71 )
UBOH' s 10-Year ROE (%) Range
Min: 5.13   Max: 16.83
Current: 6.71

5.13
16.83
ROA (%) 0.76
UBOH's ROA (%) is ranked higher than
72% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBOH: 0.76 )
UBOH' s 10-Year ROA (%) Range
Min: 0.46   Max: 1.57
Current: 0.76

0.46
1.57
ROC (Joel Greenblatt) (%) 59.47
UBOH's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. UBOH: 59.47 )
UBOH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.96   Max: 128.49
Current: 59.47

30.96
128.49
Revenue Growth (%) -5.60
UBOH's Revenue Growth (%) is ranked higher than
61% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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
90% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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
84% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

Insider Trades

Latest Guru Trades with UBOH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.50
UBOH's P/E(ttm) is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 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 0.74
UBOH's P/B is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. UBOH: 0.74 )
UBOH' s 10-Year P/B Range
Min: 0.39   Max: 1.5
Current: 0.74

0.39
1.5
P/S 2.36
UBOH's P/S is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. UBOH: 2.36 )
UBOH' s 10-Year P/S Range
Min: 1.03   Max: 3.4
Current: 2.36

1.03
3.4
PFCF 37.44
UBOH's PFCF is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBOH: 37.44 )
UBOH' s 10-Year PFCF Range
Min: 2.42   Max: 39.05
Current: 37.44

2.42
39.05
EV-to-EBIT 1.27
UBOH's EV-to-EBIT is ranked higher than
99% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. UBOH: 1.27 )
UBOH' s 10-Year EV-to-EBIT Range
Min: -3.2   Max: 74.8
Current: 1.27

-3.2
74.8
PEG 0.70
UBOH's PEG is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBOH: 0.70 )
UBOH' s 10-Year PEG Range
Min: 0.39   Max: 58.89
Current: 0.7

0.39
58.89
Shiller P/E 13.38
UBOH's Shiller P/E is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBOH: 13.38 )
UBOH' s 10-Year Shiller P/E Range
Min: 5.9   Max: 14.45
Current: 13.38

5.9
14.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.71
UBOH's Dividend Yield is ranked lower than
62% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. UBOH: 1.71 )
UBOH' s 10-Year Dividend Yield Range
Min: 0.39   Max: 7.48
Current: 1.71

0.39
7.48
Dividend Payout 0.17
UBOH's Dividend Payout is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. UBOH: 0.17 )
UBOH' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1.67
Current: 0.17

0.09
1.67
Dividend growth (3y) -23.70
UBOH's Dividend growth (3y) is ranked higher than
60% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 1.70
UBOH's Yield on cost (5-Year) is ranked lower than
62% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. UBOH: 1.70 )
UBOH' s 10-Year Yield on cost (5-Year) Range
Min: 0.39   Max: 7.48
Current: 1.7

0.39
7.48

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.86
UBOH's Price/Tangible Book is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. UBOH: 0.86 )
UBOH' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 1.83
Current: 0.86

0.45
1.83
Price/DCF (Projected) 0.42
UBOH's Price/DCF (Projected) is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. UBOH: 0.42 )
UBOH' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 0.74
Current: 0.42

0.21
0.74
Price/Median PS Value 1.08
UBOH's Price/Median PS Value is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. UBOH: 1.08 )
UBOH' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 4.85
Current: 1.08

0.48
4.85
Price/Peter Lynch Fair Value 0.46
UBOH's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBOH: 0.46 )
UBOH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.42   Max: 2.73
Current: 0.46

0.42
2.73
Price/Graham Number 0.65
UBOH's Price/Graham Number is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBOH: 0.65 )
UBOH' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 1.78
Current: 0.65

0.38
1.78
Earnings Yield (Greenblatt) 78.70
UBOH's Earnings Yield (Greenblatt) is ranked higher than
99% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UBOH: 78.70 )
UBOH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 86.7
Current: 78.7

1.3
86.7
Forward Rate of Return (Yacktman) 41.45
UBOH's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. UBOH: 41.45 )
UBOH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 43.6
Current: 41.45

-2.6
43.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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 

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