Business Description
United Bancshares Inc
NAICS : 522110
SIC : 6021
ISIN : US9094581017
Total Employee Number:
211Description
United Bancshares Inc is a financial holding company engaged in the business of full-service community banking, offering a full range of commercial and consumer banking services. It provides products including residential, commercial and multi-family real estate, commercial, and consumer loans, along with securities portfolio management. Its services include deposit services, lending, and risk management. The Bank offers a range of commercial banking services, including checking, savings, money market accounts, time certificates of deposit, and automated teller machines; as well as commercial, consumer, agricultural, residential mortgage, and home equity loans; online and mobile banking; remote and mobile deposit; safe deposit box rentals; and other personalized banking services.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.42 | |||||
Equity-to-Asset | 0.08 | |||||
Debt-to-Equity | 1.25 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 3/9 | |||||
Beneish M-Score | -2.31 | |||||
WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 4.2 | |||||
3-Year EPS without NRI Growth Rate | 4.9 | |||||
3-Year FCF Growth Rate | 4.7 | |||||
3-Year Book Growth Rate | 13.6 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 51.32 | |||||
9-Day RSI | 50.73 | |||||
14-Day RSI | 49.55 | |||||
3-1 Month Momentum % | -0.5 | |||||
6-1 Month Momentum % | -9.87 | |||||
12-1 Month Momentum % | 29.83 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.54 | |||||
Dividend Payout Ratio | 0.24 | |||||
3-Year Dividend Growth Rate | 2.7 | |||||
Forward Dividend Yield % | 2.62 | |||||
5-Year Yield-on-Cost % | 4.18 | |||||
3-Year Average Share Buyback Ratio | 2.1 | |||||
Shareholder Yield % | -26.69 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 25.18 | |||||
FCF Margin % | 30.74 | |||||
OCF Margin % | 33.38 | |||||
ROE % | 10.59 | |||||
ROA % | 0.91 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 9.38 | |||||
PE Ratio without NRI | 9.38 | |||||
Shiller PE Ratio | 10.07 | |||||
Price-to-Owner-Earnings | 15.52 | |||||
PEG Ratio | 8.53 | |||||
PS Ratio | 2.35 | |||||
PB Ratio | 0.93 | |||||
Price-to-Tangible-Book | 0.93 | |||||
Price-to-Free-Cash-Flow | 8.06 | |||||
Price-to-Operating-Cash-Flow | 7.42 | |||||
EV-to-Revenue | 4.04 | |||||
EV-to-FCF | 13.14 | |||||
Price-to-GF-Value | 1.17 | |||||
Price-to-Projected-FCF | 0.61 | |||||
Price-to-Median-PS-Value | 1.2 | |||||
Price-to-Graham-Number | 0.62 | |||||
FCF Yield % | 13.56 | |||||
Forward Rate of Return (Yacktman) % | 9.64 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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United Bancshares Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 45.379 | ||
| EPS (TTM) ($) | 3.98 | ||
| Beta | -0.0022 | ||
| 3-Year Sharpe Ratio | 0.74 | ||
| 3-Year Sortino Ratio | 2.44 | ||
| Volatility % | 36.14 | ||
| 14-Day RSI | 49.55 | ||
| 14-Day ATR ($) | 0.200034 | ||
| 20-Day SMA ($) | 37.3485 | ||
| 12-1 Month Momentum % | 29.83 | ||
| 52-Week Range ($) | 29.11 - 45 | ||
| Shares Outstanding (Mil) | 2.75 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 3 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
United Bancshares Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
United Bancshares Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Fourth quarter earnings results for 2026 | 2027-01-22 | In 180 days | ||
| Third quarter earnings results for 2026 | 2026-10-23 | In 89 days | ||
| USD 0.260000 Cash Dividend | 2026-08-31 | In 36 days | ||
| General meeting for 2026 | 2026-07-23 | 37.16 (+0.00%) | ||
| Second quarter earnings results for 2026 | 2026-07-22 | 37.16 (+0.00%) | ||
| USD 0.250000 Cash Dividend | 2026-05-29 | 37.16 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-17 | 37.25 (+0.00%) | ||
| Annual report for 2025 | 2026-03-18 | 39.92 (+0.00%) | ||
| USD 0.240000 Cash Dividend | 2026-02-27 | 39.25 (+0.00%) | ||
| Fourth quarter earnings results for 2025 | 2026-01-23 | 42.00 (+0.00%) |
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United Bancshares Inc Frequently Asked Questions
What is United Bancshares Inc(UBOH)'s stock price today?
The current price of UBOH is $37.35. The 52 week high of UBOH is $45.00 and 52 week low is $29.11.
When is next earnings date of United Bancshares Inc(UBOH)?
The next earnings date of United Bancshares Inc(UBOH) is 2026-10-23 Est..
Does United Bancshares Inc(UBOH) pay dividends? If so, how much?
The Dividend Yield %  of United Bancshares Inc(UBOH) is 2.54% (As of Today), Highest Dividend Payout Ratio of United Bancshares Inc(UBOH) was 0.31. The lowest was 0.12. And the median was 0.24. The  Forward Dividend Yield % of United Bancshares Inc(UBOH) is 2.62%. For more information regarding to dividend, please check our Dividend Page.
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