UBOH (United Bancshares) Interest Expense: $-17.87 Mil (TTM As of Mar. 2026)


UBOH United Bancshares Inc UBOH
46 GF Score
Price $37.10
GF Value $28.93
Valuation Modestly Overvalued
! 1 Warning Sign
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What is United Bancshares Interest Expense?

United Bancshares UBOH 46 Interest Expense is $-17.87 Mil as of Mar. 2026. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.93 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. United Bancshares's interest expense for the three months ended in Mar. 2026 was $ -4.04 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-17.87 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. United Bancshares's Operating Income for the three months ended in Mar. 2026 was $ Mil. United Bancshares's Interest Expense for the three months ended in Mar. 2026 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

United Bancshares Interest Expense Historical Data

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The historical data trend for United Bancshares's Interest Expense 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.

United Bancshares Interest Expense Chart

United Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.07 -3.26 -14.09 -20.99 -18.47

United Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -4.64 -4.64 -4.81 -4.38 -4.04
UBOH
46GF Score
United Bancshares Inc UBOH
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bancshares Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-17.87 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-17.87 Mil mean?
United Bancshares (UBOH) has a Interest Expense of $-17.87 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on United Bancshares and its competitors.
Is United Bancshares' Interest Expense too high?
United Bancshares' current Interest Expense is $-17.87 Mil. 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' Interest Expense compare to CMHF and SFBC?
United Bancshares' Interest Expense of $-17.87 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on United Bancshares and its competitors. United Bancshares's current Interest Expense is $-17.87 Mil. 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 $28.93, compared to a current price of $37.10 — trading 28.2% above its estimated fair value. The current Interest Expense is $-17.87 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For United Bancshares (UBOH), the current Interest Expense is $-17.87 Mil 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 $37.10 is trading 28.2% above its estimated GF Value™ of $28.93. GuruFocus considers United Bancshares to be Modestly Overvalued.

Key valuation signals for UBOH:

  • Interest Expense: $-17.87 Mil
  • GF Value™: $28.93 vs. price of $37.10 (28.2% above fair value)
  • GF Score™: 46/100 with 1 warning sign

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 Business Description

Address 105 Progressive Drive, Columbus Grove, OH, USA, 45830
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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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.10
Price
$28.93
GF Value