UBOH (United Bancshares) Moat Score: 3/10 (As of Jul. 04, 2026)


UBOH United Bancshares Inc UBOH
46 GF Score
Price $37.10
GF Value $28.92
Valuation Modestly Overvalued
! 1 Warning Sign
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What is United Bancshares Moat Score?

United Bancshares UBOH -2.37% 46 Moat Score is 3 as of Jul. 04, 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. Among 1,611 Banks companies, United Bancshares ranks better than 74.49% on this metric.

United Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

United Bancshares has No Moat: United Bancshares Inc lacks significant market leadership or unique competitive advantages. It operates in a highly competitive banking sector with minimal customer switching costs and no significant intellectual property or brand strength. The company does not exhibit durable cost advantages or regulatory barriers that would provide a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Bancshares might have No Moat - Very weak/transient advantages.

United Bancshares  (OTCPK:UBOH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

United Bancshares Moat Score Related Terms

UBOH vs CMHF, SFBC, CZBS: Moat Score Comparison

For the Banks - Regional subindustry, United Bancshares's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, United Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where United Bancshares's Moat Score falls into.


UBOH
46GF Score
United Bancshares Inc UBOH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
United Bancshares (UBOH) has a Moat Score of 3 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, United Bancshares ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is United Bancshares' Moat Score too high?
United Bancshares' current Moat Score is 3. Based on the distribution chart, United Bancshares ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to CMHF and SFBC?
According to the Banks industry distribution chart, United Bancshares ranks #411 out of 1611 companies for Moat Score. This puts United Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. United Bancshares's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For United Bancshares (UBOH), the current Moat Score is 3 as of Jul. 04, 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:

  • Moat Score: 3
  • 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

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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.10
Price
$28.92
GF Value