UBOH (United Bancshares) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is United Bancshares LT-Debt-to-Total-Asset?

United Bancshares UBOH -2.37% 46 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.92 (Modestly Overvalued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. United Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

United Bancshares's long-term debt to total assets ratio declined from Mar. 2025 (0.01) to Mar. 2026 (0.01). It may suggest that United Bancshares is progressively becoming less dependent on debt to grow their business.

United Bancshares (OTCPK:UBOH) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

United Bancshares LT-Debt-to-Total-Asset Related Terms

United Bancshares LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for United Bancshares's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

United Bancshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.02

0.01

United Bancshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.01	0.01	0.01	0.01

46GF Score

United Bancshares Inc UBOH

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

United Bancshares LT-Debt-to-Total-Asset Calculation

United Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	16.568	/	1193.397
	=	0.01

United Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	16.314	/	1215.023
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

United Bancshares (UBOH) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on United Bancshares and its competitors.

Is United Bancshares' LT-Debt-to-Total-Asset too high?

United Bancshares' current LT-Debt-to-Total-Asset is 0.01. 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' LT-Debt-to-Total-Asset compare to CMHF and SFBC?

United Bancshares' LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on United Bancshares and its competitors. United Bancshares's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For United Bancshares (UBOH), the current LT-Debt-to-Total-Asset is 0.01 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 28.3% above its estimated GF Value™ of $28.92. GuruFocus considers United Bancshares to be Modestly Overvalued.

Key valuation signals for UBOH:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $28.92 vs. price of $37.10 (28.3% 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

Industry Financial Services Banks

Comparable Companies CMHF SFBC CZBS HARL TYBT BORT GSBX OFED PROV RVSB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 105 Progressive Drive, Columbus Grove, OH, USA, 45830

Website https://www.theubank.com

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

Get the complete analysis for UBOH

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.10

Price

$28.92

GF Value

View UBOH Analysis

See LT-Debt-to-Total-Asset data for all stocks →