United BancsharesUBOH 46 FCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.88 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,505 Banks companies, United Bancshares ranks better than 55.61% on this metric.
The historical rank and industry rank for United Bancshares's FCF Margin % or its related term are showing as below:
UBOH'
s FCF Margin % Range Over the Past 10 Years
Min: 6.05 Med: 22.67 Max: 44.38
Current: 29.55
During the past 13 years, the highest FCF Margin % of United Bancshares was 44.38%. The lowest was 6.05%. And the median was 22.67%.
UBOH's FCF Margin % is ranked better than 55.61% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs UBOH: 29.55
United Bancshares FCF Margin % Related Terms
United Bancshares FCF Margin % Historical Data
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The historical data trend for United Bancshares's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, United Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Bancshares's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bancshares (UBOH) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Bancshares and its competitors. Over the past decade, United Bancshares' FCF Margin % has ranged from 6.05 to 44.38. According to the industry distribution chart, United Bancshares ranks #668 out of 1505 companies in the Banks industry, placing it in the top 44.4%.
Is United Bancshares' FCF Margin % too high?
United Bancshares' current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 6.05 to a high of 44.38. Based on the distribution chart, United Bancshares ranks #668 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, United Bancshares has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancshares' FCF Margin % compare to BORT and CZBS?
According to the Banks industry distribution chart, United Bancshares ranks #668 out of 1505 companies for FCF Margin %. This puts United Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.42. Historically, United Bancshares' own FCF Margin % has ranged from 6.05 to 44.38 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bancshares stock overvalued right now?
Based on GuruFocus' analysis, United Bancshares (UBOH) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.88, compared to a current price of $38.00 — trading 31.6% above its estimated fair value. The current FCF Margin % is 0.00%. United Bancshares' overall GF Score™ is 46/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Bancshares (UBOH), the current FCF Margin % is 0.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bancshares (UBOH) Overvalued in 2026?
Based on GuruFocus' analysis, United Bancshares stock appears to be overvalued.
The current stock price of $38.00 is trading 31.6% above its estimated GF Value™ of $28.88.
GuruFocus considers United Bancshares to be Significantly Overvalued.
Key valuation signals for UBOH:
FCF Margin %: 0.00%
GF Value™: $28.88 vs. price of $38.00 (31.6% above fair value)
No single metric tells the full story. See the UBOH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
46GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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