United Bancshares has the GF Score of 46, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes United Bancshares
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
United Bancshares (OTCPK:UBOH) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
United Bancshares GF Score Related Terms
UBOH vs CMHF, SFBC, CZBS: GF Score Comparison
For the Banks - Regional subindustry, United Bancshares's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's GF Score distribution charts can be found below:
* The bar in red indicates where United Bancshares's GF Score falls into.
United Bancshares (UBOH) has a GF Score of 46 as of Jul. 06, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Bancshares and its competitors. This is 38% below median its historical median of 74.00. Over the past decade, United Bancshares' GF Score has ranged from 46.00 to 85.00.
Is United Bancshares' GF Score too high?
United Bancshares' current GF Score of 46 is 38% below median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 46.00 to a high of 85.00. Overall, United Bancshares has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancshares' GF Score compare to CMHF and SFBC?
United Bancshares' GF Score of 46 can be compared against companies in the Banks industry. Historically, United Bancshares' own GF Score has ranged from 46.00 to 85.00 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 GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Bancshares and its competitors. United Bancshares's current GF Score is 46, which is 38% below median its own 10-year median of 74.00. 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 Modestly Overvalued. The stock's GF Value™ is $28.92, compared to a current price of $37.10 — trading 28.3% above its estimated fair value. The current GF Score is 46, which is 38% below median its 10-year median of 74.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For United Bancshares (UBOH), the current GF Score is 46 as of Jul. 06, 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 $37.10 is trading 28.3% above its estimated GF Value™ of $28.92.
GuruFocus considers United Bancshares to be Modestly Overvalued.
Key valuation signals for UBOH:
GF Score: 46 (38% below median its 10-year median of 74.00)
GF Value™: $28.92 vs. price of $37.10 (28.3% 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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